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AUTO INSURANCE · GEORGIA

Georgia auto insurance that actually matches how you drive.

Georgia's 25/50/25 state minimum is a number the legislature set in 1992. Current medical costs and vehicle repair costs ran past it long ago. We place auto coverage that would actually hold up in a real claim, across carriers that compete on price and service rather than one captive quote.

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WHAT'S COVERED

The three parts of a Georgia auto policy

Liability (BI and PD)

Pays for injuries and property damage you cause others. Georgia minimum is 25/50/25. Most clients carry 100/300/100 or higher.

Collision and Comprehensive

Collision for crash damage. Comprehensive for theft, hail, vandalism, flood, and animal strikes. Required when the vehicle is leased or any party holds a secured financial interest in it.

Uninsured Motorist (UM/UIM)

Pays when an at-fault driver has no insurance or not enough. Georgia has a meaningful share of uninsured drivers.

Medical Payments (MedPay)

Covers medical costs for you and passengers regardless of fault. Optional but useful for households without strong health insurance.

IMPORTANT LIMITATIONS

What a Georgia auto policy does not cover

Using a personal vehicle for rideshare or delivery

Uber, Lyft, DoorDash, Instacart, and similar work are excluded on a personal auto policy. You need either the platform's commercial coverage, a rideshare endorsement, or a commercial auto policy.

Wear, tear, and mechanical breakdown

Regular maintenance, engine failure, transmission failure, and tire wear are not covered. Mechanical breakdown coverage is a separate product.

Intentional acts and racing

Damage caused intentionally, during a speed contest, or while the driver is committing a felony is excluded.

Custom equipment above the limit

Most policies cap custom equipment coverage at $1,000 to $5,000. If you have meaningful aftermarket work, it needs to be scheduled.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Send us your current auto dec page. We will tell you where you are underinsured.

Most Georgia drivers we review are carrying liability limits that were set when the policy was first written and never updated. Send the dec page. We will show you what raising UM and liability actually costs.

$1,400 to $3,200 per year for most Georgia drivers

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