Georgia car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Georgia drivers must carry at least $25,000/$50,000 of bodily injury liability and $25,000 of property damage liability. In 2023, insured drivers in Georgia spent an average of $1,555.08 on car insurance, 21% above the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Georgia the 6th most expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Georgia

Coverage	Minimum
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability, per accident	$25,000

You'll often see this written as 25/50/25. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.

Is Georgia a no-fault state?

No. Georgia isn't one of the 12 no-fault states listed by the Insurance Information Institute, so the driver who causes a crash, and their insurer, is generally responsible for the other people's injuries and damage. That's why the liability limits above matter so much.

SR-22 rules in Georgia

Georgia's Department of Driver Services (DDS) requires proof of financial responsibility for a probationary license. Under DDS Rule 375-3-3-.02, that proof is an SR-22 filed by your insurer, or a Form DS-266 filed by a vehicle owner or employer who insures the car you'll drive.

The rule also says the insurer must give DDS at least 20 days' notice (Form SR-26) before canceling, and an SR-22 not marked "premium financed" can't be canceled for nonpayment. The policy has to stay in force for the full required period, so ask DDS how long yours lasts.

What drives car insurance costs in Georgia

Average spending in Georgia rose 23% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Georgia average	U.S. average
2019	$1,264.81	$1,075.08
2020	$1,258.65	$1,047.76
2021	$1,264.73	$1,060.23
2022	$1,345.38	$1,124.45
2023	$1,555.08	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 19.0% of drivers in Georgia were uninsured in 2023, higher than the national estimate of 15.4%. That's the 11th highest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
Crash deaths. Georgia recorded 1,403 motor vehicle crash deaths in 2024, or 1.15 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 23rd lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 35% of Georgia's crash deaths happened in rural areas (U.S.: 41%), 24% involved speeding (U.S.: 29%), and 20% of those killed were pedestrians (U.S.: 18%).

Ways to save on car insurance in Georgia

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Georgia can vary widely. More ways to lower your bill.
Don't drop uninsured motorist coverage to save money. With roughly 1 in 5 drivers in Georgia uninsured, it's what pays your injury bills if one of them hits you. How UM coverage works.
Shop at every renewal. Prices in Georgia rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
Pick a deductible you can actually pay. Raising it lowers your premium, but only if you could cover it after a claim. How deductibles work.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.