Liability Car Insurance in Georgia
Numbers refreshed
What Georgia's cheapest legal policy costs, and what it leaves out.
- $99.is the average monthly cost for liability.
- Minimum liability limits are 25/50/25.
- Ranks 5th of 51 states for cost (1st = highest).
How much liability coverage costs in Georgia
For Georgia, the average yearly price for liability-only car insurance is $1,187, or about $99 each month. For liability coverage, Georgia ranks as the 4th most expensive state.
| Coverage in Georgia | Per year | Per month |
|---|---|---|
| Liability | $1,187 | $99 |
| Collision | $524 | $44 |
| Comprehensive | $262 | $22 |
| Full coverage (all three) | $1,973 | $164 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay under the minimum
Georgia sets a minimum of 25/50/25 liability. Each person hurt is covered for $25,000, everyone hurt in one crash for $50,000 and damage to other people's property for $25,000.
Other people are covered by liability. Unless you add collision coverage, you pay to repair your own car.
Any amount above your limits after a crash can be claimed from you. Raising your limits usually adds much less to your premium than the increase in protection.
First written