Georgia Auto Insurance

Georgia Car Insurance
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
 
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Save with the AARP Auto & Home Insurance Program from The Hartford.
 
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
 

Car Insurance for Georgia Drivers

Car Insurance Georgia Whether you’re visiting downtown Atlanta or spending time in the Blue Ridge Mountains, you’ll want to feel protected as you travel. Luckily, it’s easy to get the Georgia auto insurance you need from the AARP® Auto Insurance Program from The Hartford.1 In fact, we’ve been protecting AARP members and their families in Georgia with car insurance since 1984.
 
To learn more about insurance requirements in Georgia and see what your options are, request quotes from auto insurance companies. Comparing car insurance prices can help you get cheap car insurance.
 
Our specialists are available at 888-413-8970 to answer any questions you may have and help you find the best auto insurance in Georgia. You can also get a car insurance quote online from us today.
 

GA Auto Insurance GA Auto Insurance Benefits and Discounts

Drivers in Georgia can receive valuable benefits for AARP members from the AARP Auto Insurance Program from The Hartford, including:
 
  • 12-month Rate Protection: With this benefit, we’ll lock your premium in for a full year.
  • New Car Replacement:§§ This helps replace your totaled new car with one of the same make, model and equipment without subtracting depreciation. This only applies if you total your new car within the first 15 months or 15,000 miles after you buy it.
  • First Accident Forgiveness: With this benefit, we won’t charge you for your first accident.
  • Disappearing Deductible: This reduces your collision deductible on your auto policy each year all the way to $0 as long as you maintain a clean driving record.
  • 24/7 Claim Service: Our representatives are available 24 hours a day, 7 days a week at 800-243-5860 to help guide you through the claim process.

Additional Car Insurance Coverages and Benefits Available to Georgia Drivers

For added protection, Georgia drivers may also be eligible for the following coverages from the AARP® Auto Insurance Program from The Hartford:
 

Required Car Insurance Coverage in Georgia

Georgia state law requires these minimum bodily injury liability and property damage liability insurance limits:2
 
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $25,000 for property damage per accident

Optional Georgia Car Insurance Coverages

Following your state requirements for auto insurance coverage is a good start. However, that state minimum doesn’t always give you the full coverage you need. To fill in gaps, you may need additional policies, like:
 
To see how much coverage will cost you, speak to your insurance company. They’ll calculate your premiums based on factors like your driving records and credit scores. You can also ask our specialists any questions you have at 888-413-8970.
 

Proof of Car Insurance in Georgia

Best Car Insurance in Georgia If you’re a licensed driver in the state of Georgia, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. If you’re in an accident, you’ll be required to give it to a police officer. To make it even easier, Georgia does allow electronic proof of auto insurance coverage. And with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 
Some penalties you may face if you can’t provide proof of insurance include:
 
  • Paying a fine
  • Facing jail time
  • A suspended license for 60 days

Georgia Uninsured Driver Facts

Uninsured motorist coverage helps protect you if you’re in an accident with a driver that doesn’t have coverage. However, the state of Georgia doesn’t require drivers to carry this insurance.
 

Georgia Driving Laws

Georgia, like other states, has a number of safe driving laws that help protect you on their roads. These are just a few of those guidelines:3
 

Georgia Seat Belt Laws:

It’s a mandatory law to wear a seat belt while driving in Georgia.
 

Georgia Distracted Driving Laws:

Texting while operating a vehicle is banned for all drivers in the State of Georgia.
 

Georgia Teen Driver Laws:

Auto Insurance Quotes Georgia Teenagers dream of getting their license. To make sure teen drivers are safe while they’re learning, Georgia has implemented graduated licensing laws to ensure that they gain the experience and maturity required to be safe behind the wheel. These laws limit nighttime driving and restrict passengers. They also require a certain amount of supervised driving practice.
 
To learn more about auto insurance in Georgia call us today at 888-413-8970. You can also get a quote online.
 
 
 
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.