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Or call 1-800-378-7262.

Bundle your Georgia auto insurance with Esurance home insurance to score our Multi-Policy discount.*

affordable car insurance in georgia

Whether your favorite Georgia day trip is shooting the Hooch on an inner tube built for 2, shooting the links at St. Simons, or gazing at shooting stars atop Bald Mountain, you likely spend a lot of time on the road. Make sure your adventures are hassle-free with a reliable car and the best Georgia car insurance for your needs.

Esurance can help you find the best car insurance rates in Georgia. When deciding what coverage to buy, keep in mind that minimum Georgia car insurance requirements include bodily injury liability and property damage liability. It's a good idea to consider adding uninsured/underinsured motorist coverages too.

From Augusta to Attapulgus, Ringgold to Cumberland Island, Esurance can help you find affordable auto insurance quotes in Georgia. We make it easy to compare rates online — including everything you need to protect your vehicle, meet state requirements, and enjoy the Peach State's many adventures stress-free.

what our customers say

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I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida

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Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina

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The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

georgia car insurance discounts from esurance

Good news, Georgians: we offer a bunch of discounts in Georgia that are ripe for the picking. See if you qualify for these money-savers when you get a quote:

  • Claim-Free discount
  • Good Student discount
  • Defensive Driver discount
  • Fast 5® discount
  • Multi-Policy discount
  • Homeowners discount
  • DriveSense® discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount

Some exclusions may apply. If you already have an Esurance policy, call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts.

esurance renters plus® discount in georgia**

Esurance customers in the Peach State who add renters coverage to their auto insurance policies could qualify for our Renters Plus discount. What better way to protect your car and your stuff on one policy — and save some cash while you're at it?

car insurance coverages in georgia

Required coverages

The Peach State requires its drivers to carry the following liability coverage minimums:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident

Optional coverages

These additional coverages in Georgia can give you added financial protection and peace of mind if you ever need to file a claim:

  • Comprehensive
  • Collision
  • Medical and funeral services payments
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

If you have an Esurance policy and have questions regarding your coverages, our customer service reps are here to provide answers at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.

factors that could influence auto insurance rates in georgia

Insurance companies (including Esurance) can take the following factors into account to determine your policy premium:

  • Driving record and claim history
  • Year, make, and model of your car
  • ZIP Code where your vehicle is parked
  • Average annual mileage driven
  • Prior insurance history
  • Number of years you've been licensed
  • Gender, age, and marital status
  • Credit-based insurance score

georgia facts for drivers

Proof of car insurance

Georgia requires you to carry your insurance policy info card in the car with you whenever you're behind the wheel.

Electronic proof of insurance for your car is accepted in addition to paper documents if you get pulled over or otherwise need to prove you have coverage.

If you're covered by Esurance in the Peach State, you have automatic access to our helpful mobile app, where you can access your ID cards and policy documents any time of day.

To find a coverage plan that works for you, be familiar with Georgia car insurance laws and the strict driving laws in the state. The Peach State requires continuous coverage, and a lapse in coverage can result in fines, as well as registration and license suspension.

Uninsured drivers in Georgia

A report from the Insurance Research Council estimated that about 12 percent of Georgia drivers were uninsured in 2015, which was just below the national average of 13 percent.

Georgia's Joshua Law

Joshua's Law requires that 16-year-olds applying for an intermediate drivers license must complete a driver education course and have a total of 40 hours of experience (including 6 hours at night) while driving supervised by a licensed, adult driver. Drivers 17 years old and older are not required to take the course but they must have the same number of supervised driving hours.

It's important to note that anyone under 18 who has withdrawn from school, has a conduct infraction, or has frequent unexcused absences is not allowed to apply for or keep a drivers license or permit. For more information about restrictions for teen drivers, visit the Georgia Department of Driver Services.

esurance-certified repair shops in georgia

If you're an Esurance customer and you take your car to a shop in our E-star® network, you can track your repairs online through RepairView® and share them via Facebook (if you're into that). And your repairs will be guaranteed for as long as the car's yours.

Find an E-star repair shop near you.

Related links

Auto insurance in Atlanta
Residents in Atlanta: see how much you could start saving today with reliable car coverage from Esurance.

Bodily injury and property damage liability coverages
These required car insurance coverages in Georgia can help financially protect you if you accidentally injure someone or damage their property.

Georgia Office of Insurance
Get the lowdown on auto insurance in the Peach State, straight from the source.

Georgia Department of Driver Services
From info on teen drivers to reinstating your drivers license, the Georgia Department of Driver Services is here to help.

Does "full coverage" cover it all?
Find out what so-called full coverage actually covers (and what it doesn't).

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.