Georgia car insurance

Located in the Southeastern United States, Georgia is the eighth most populous state in the country and the largest state east of the Mississippi River. Its diverse topography features mountains, farmlands and shoreline. Its capital, Atlanta, is one of the top 10 most populated cities in the U.S., and Savannah is a popular coastal destination. It's the country's number one producer of peanuts, peaches and Vidalia onions, home to a variety of professional sports teams and numerous landmarks, including Stone Mountain and the birthplace of Martin Luther King Jr. and former President Jimmy Carter.

Not in Georgia? Check your state requirements to determine your auto insurance needs.

Finding the right car insurance for you means staying up to date on Georgia requirements. The table below lists the coverages and minimum coverage limits that are required in Georgia. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

Insurance coverage is subject to the coverage limits stated in your policy.

¹Although Georgia law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

In Georgia, Medical Payments (MedPay) coverage is optional and helps pay for your injuries right after an accident--no matter who's at fault. Uninsured/Underinsured Motorist coverage is also optional. This coverage protects you if the other driver has no insurance or not enough to cover your medical expenses.

If you are in an accident with an uninsured or underinsured motorist, any MedPay coverage you have would apply first. If that coverage plus the at-fault driver's liability coverage (if any) isn't sufficient to cover your medical expenses, then your Uninsured/Underinsured Motorist Bodily Injury coverage kicks in (if added).

Adding MedPay and Uninsured/Underinsured Motorist Bodily Injury coverage can mean fewer out-of-pocket costs and more financial protection when you need it most.

Allstate also offer these other types of car insurance coverage:

• Roadside
• Allstate Ride For Hire®
• Transportation expense coverage

Learn about these and other car insurance coverage types available.

It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Georgia auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

• Multiple policy / bundling discount
• Responsible payer discount
• Good student discount

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

The average annual cost for minimum coverage in Georgia is $1,009. For full coverage, the average annual cost is $2,867 according to Bankrate.

In addition to selecting the coverages, limits and deductibles that are right for you, these factors could also affect your car insurance rates in Georgia:

• The type of car you’re insuring (year, make, model)
• Your driving habits and annual mileage
• Demographic factors, like ZIP code
• Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Georgia, you are allowed to show an electronic copy of your insurance card on your mobile device.

You can use the Allstate® app to access a digital ID card.³

• Georgia Department of Driver Services (DDS)
• Georgia Department of Revenue
• Graduated driver licensing (GDL) laws in Georgia
• Georgia Allstate Agents