Auto insurance coverage basics

A plain-English look at Georgia personal auto coverage. Coverage options vary by insurance provider.

  • LiabilityPays for injuries and property damage you cause to others. Georgia law requires at least $25,000 per person and $50,000 per incident for bodily injury, and $25,000 per incident for property damage. Many drivers choose higher limits.
  • Uninsured / underinsured motoristHelps protect you and your passengers when the at-fault driver has no insurance or not enough.
  • Medical paymentsHelps pay medical bills for you and your passengers after an accident, regardless of fault.
  • CollisionPays to repair or replace your car after a crash with another vehicle or object, minus your deductible.
  • ComprehensiveCovers theft, fire, hail, flooding, falling objects and animal strikes, minus your deductible.
  • Rental reimbursementHelps pay for a rental car while yours is being repaired after a covered claim.
  • Roadside assistanceTowing, jump-starts, lockouts, flat tires and fuel delivery.
  • Gap / loan-leaseIf a financed or leased car is totaled, helps pay the difference between its value and what you still owe.
  • SR-22 filingsA form some drivers must have filed with the state after certain violations. Not every insurance provider offers it; we can help you find one that does.
  • Rideshare and deliveryA personal policy may not cover you while driving for a rideshare or delivery app. Ask us about options that fill that gap.
  • DeductiblesThe amount you pay before collision or comprehensive coverage pays. A higher deductible usually lowers your premium.
  • What affects your priceYour driving record, the vehicles you drive, where you live and park, how much you drive, your coverage limits and deductibles, and the discounts you qualify for.

Insurance providers we work with

As an independent agency, we compare these insurance providers for you. What stands out:

  • ProgressiveSnapshot, a usage-based program with a participation discount, and Accident Forgiveness options. Available in most states.
  • GEICOMechanical breakdown coverage for newer cars, plus emergency road service and rental reimbursement.
  • Liberty MutualRightTrack driving discount program and Accident Assistance crash detection. Accident Forgiveness and New Car Replacement where available.
  • TravelersIntelliDrive 365, a smartphone app program that can reward safer driving with savings on auto insurance; Travelers lists Georgia among its available states. Accident Forgiveness and New Car Replacement options where available. Ask us about Travelers options in Georgia.
  • National GeneralRoadside assistance and an auto protection plan, where available. Ask us about National General options in Georgia.
  • EncompassNew Car Replacement, Accident Forgiveness, loan/lease gap and 24/7 roadside assistance, where available. Ask us about Encompass options in Georgia.
  • KemperRoadside assistance, rental reimbursement, a paid-in-full discount, flexible payment options and bilingual service.
  • MercuryDiscounts such as multi-car, pay-in-full, auto-pay, electric vehicle and good student, plus the MercuryGO driving program.
  • GAINSCOAsk us about GAINSCO options.
  • The HartfordNew Car Replacement, RecoverCare and Disappearing Deductible, where available.
  • ClearcoverRoadside assistance, an alternate transportation benefit, an OEM parts option for newer vehicles and limited rideshare coverage.
  • NationwideOn Your Side claims service with a repair guarantee at network shops, and SmartRide. Vanishing Deductible and Accident Forgiveness where available.
  • BranchBundle home and auto in a single, streamlined experience. Ask us about Branch options in Georgia.
  • HagertyInsurance for classic and collector vehicles, including 1980-and-newer collector cars, collector trucks and SUVs, motorcycles and modified cars. Ask us about Hagerty options in Georgia.
  • American ModernInsurance for classic and collector cars. Ask us about American Modern options in Georgia.
  • More Coming SoonNew insurance providers are being added.

Availability and features vary by driver, vehicle and ZIP; ask for a quote.

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