Save on Georgia car insurance
Georgia drivers know Elephant has you covered
Get a Georgia car insurance quote for our 12% web discount!
If you’re a Georgia resident searching for car insurance, you’ve come to the right place. We know choosing coverage can be tricky, but it doesn’t have to be. Learn about Georgia car insurance requirements while saving money on your policy.
Minimum car insurance coverage requirements in Georgia
Georgia law requires all drivers must have at least 25/50/25 liability limits on their car insurance coverage. This means:
$25,000
Bodily injury liability coverage per person
$50,000
Bodily injury liability coverage per accident
$25,000
Property damage liability coverage per accident
These minimum coverage requirements help protect the victim from being financially on the hook for property damage or bodily injury in the event of an accident.
You can take advantage of the auto insurance coverage options available from Elephant, including:
Liability coverages
Liability coverage helps cover other people (not you) for their injuries and property damage if you cause an accident. Even though it doesn’t cover your injuries or damaged property, Liability coverage does help protect you from being financially on the hook if you cause an accident. Learn more about the differences between liability and full coverage policies.
Comprehensive and collision
Comprehensive and collision coverages handle a wide range of incidents. Collision helps pay to repair or replace your car if it is damaged in an accident, regardless of who is at fault. You select a deductible that you can pay out of pocket and your insurance company pays for the remaining damage up to your selected coverage limits. Comprehensive coverage can help cover your vehicle in the event of non-collision-related incidents, like theft, vandalism, or natural disasters.
Uninsured/underinsured motorist
When another driver is at fault for an accident and does not have motor insurance, uninsured motorist coverages can help cover damages, medical treatment, and lost wages related to the accident. If your injury expenses exceed the at-fault party’s liability limits, you can use underinsured motorist bodily injury coverage to help pay for the amount not covered by the at-fault person’s insurance.
- Uninsured/underinsured bodily injury coverage (UMBI/UIMBI) helps cover your medical expenses, lost wages, and pain and suffering if you’re injured in an accident caused by an uninsured or underinsured driver.
- Uninsured/underinsured property damage coverage (UMPD/UIMPD) helps cover damage to your car if it is hit by an uninsured or underinsured driver.
Medical payments or MedPay
- Medical payments is a type of insurance that may provide reimbursement up to the limits of the policy for your reasonable and necessary medical expenses and funeral expenses if you are injured in a car accident, regardless of who is at fault.
- MedPay coverage may apply no matter who is at fault in the accident.
Rental reimbursement
Rental reimbursement provides rental car coverage if your car isn’t drivable for more than 24 hours because of a covered loss under Comprehensive or Collision coverage.
Towing & roadside assistance
Roadside assistance coverage saves you from being stranded on the side of the road when something goes wrong with your car. If you lock your keys in your car or you get a flat tire, you can call roadside assistance to get help as soon as possible.
Factors that impact your car insurance rate in Georgia
Your car insurance rate is dependent on many variables. Here are a few factors that may impact your insurance rate:
Driving record
Frequent accidents, tickets, and insurance claims alert the insurance company that you may be a high-risk driver, and your rate may be higher than a driver with a clean record.
Vehicle usage
You could pay higher rates if you have a long commute, drive frequently, or use your vehicle for business. You could qualify for a rate reduction if you don’t drive often, work from home, or park in a garage or covered carport.
Type of vehicle
The type of vehicle you drive can impact your insurance rate. New cars that have a many safety features, cars that are more expensive to repair, or are considered luxury vehicles often require higher premiums. Learn more about how your vehicle impacts your rates.
Rate trends
Rates for car insurance in Georgia sometimes trend up or down. The premium you pay will depend in part on these overall rate trends.
Car insurance information by major cities in Georgia:
How to save on car insurance in Georgia
Discounts
You can take advantage of the many car insurance discounts offered by Elephant, including:
- Multi-car discount
- Responsible driver discount
- Good student discount
- Paperless account discount
You can also save up to 12% just by quoting online!
Save on your car insurance when you bundle
Unlock even more savings when you bundle your insurance with Elephant. Combine select coverages like homeowners or renters insurance with your Elephant auto policy to keep money in your pocket with our multi-policy discount.
Frequently asked questions about Georgia car insurance
Here are a few frequently asked questions about Elephant Insurance policies:
+What coverage is right for me?
Like most things, car insurance isn’t one-size-fits-all, but when you have the right tools, you can feel confident in your selected policies. Now that you’re familiar with each coverage type and your state’s minimum requirements, you’re well on your way to finding the best coverage. For more guidance, check out our Coverage Wizard or read more in-depth about Elephant’s affordable coverages!
+What if I need to get my car repaired after an accident?
To make your claims experience as easy as possible, Elephant’s network of repair shops are pre-qualified to ensure quality & exceptional standards.
+When and how can I change my car insurance policy?
At any time! Making changes to your policy shouldn’t be difficult. You can login to your account to make most changes to your plan or call to speak to a representative to help.