📉 Good News: Rates Are Finally Dropping
In late 2025, Insurance Commissioner John King announced that State Farm will reduce auto rates by over 10%, the state's largest insurer. This follows tort reform measures (SB 68 and SB 69) that curbed "nuclear verdicts" and third-party litigation funding. After years of 20%+ annual increases, Georgia drivers are finally seeing relief.
Georgia Auto Insurance: Quick Facts (2025)
| Category | Details |
|---|---|
| Minimum Liability | 25/50/25 |
| Average Full Coverage | $2,739/year ($228/month) |
| Average Minimum Only | $1,058/year ($88/month) |
| National Rank | 13th Most Expensive (improving) |
| Fault System | At-Fault (Modified Comparative) |
| Credit Scoring | âś… Allowed |
| Super Speeder Law | $200 state fee for 85+ mph |
Atlanta vs. Rural Georgia: The 40% Gap
| City | Avg Full Coverage | vs. State Avg |
|---|---|---|
| Atlanta | $3,112/year | +14% |
| Savannah | $2,800/year | +2% |
| Columbus | $2,515/year | -8% |
| Augusta | $2,360/year | -14% |
Atlanta's notorious traffic (ranked 10th worst in America) drives significantly higher accident rates and premiums.
Georgia's Tort Reform: What Changed
HB 221: Prior Approval Authority
Insurance Commissioner now has 60-day review period for rate increases. Previously, insurers could implement 25% hikes immediately under "file and use." This closed a loophole allowing rapid rate escalation.
SB 68 & SB 69: Litigation Reform
Curbed third-party litigation funding and restricted "direct action" lawsuits against insurers in trucking cases. These reforms target the "social inflation" that drove Georgia's premium crisis.
Georgia's Largest Auto Insurers (2025)
| Rank | Company | Market Share |
|---|---|---|
| 1 | State Farm | ~23.4% |
| 2 | Allstate | ~9.2% |
| 3 | GEICO | ~9% |
| 4 | USAA | ~8% |
| 5 | Progressive | ~7% |
⚠️ Georgia's Super Speeder Law
Georgia's "Super Speeder" law adds a $200 state fee on top of local fines if you're convicted of driving 85+ mph on any road, or 75+ mph on a two-lane road. This fee is billed separately by mail—many drivers don't know it's coming until their license is suspended for non-payment.
Insurance impact: A super speeder ticket can increase your premiums 40-50% for 3-5 years.
Georgia Car Insurance: FAQs
Are Georgia insurance rates going down?
Yes. Tort reform is working. State Farm announced 10%+ rate cuts in late 2025, and other insurers are expected to follow. However, rates increased 50%+ from 2021-2024, so decreases are relative to historically high levels.
Does Georgia require uninsured motorist coverage?
No, but insurers must offer it. Given Georgia's moderate uninsured driver rate (~12%), UM coverage is strongly recommended. You must sign a written waiver to reject it.
How does the super speeder law affect insurance?
A super speeder conviction (85+ mph) typically results in 40-50% premium increases for 3-5 years. Combined with the $200 state fee and local fines, a single ticket can cost $3,000+ over time.
The Bottom Line on Georgia Car Insurance
Georgia's insurance market is finally stabilizing after years of crisis. Tort reform is delivering real rate decreases, with State Farm leading at 10%+. This is good news for Georgia drivers who've endured some of the steepest premium increases in America.
Action items: Re-quote your policy now—carriers are filing decreases. Avoid super speeder violations. Atlanta drivers should shop aggressively, as geographic disparities remain significant.