Car Insurance Requirements in Georgia
Georgia law requires all drivers to carry minimum liability coverage. Here's what you need to know
Required Coverage
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Coverage: Required unless rejected in writing
Why OCHO is Different in Georgia
OCHO offers convenient, customer-first solutions designed with your needs in mind. Here’s what sets us apart from the rest:
- $0 Down Payment Options: Get covered today without a large upfront cost
- Flexible Payment Plans: Pay when you get paid—no more stress about inconvenient due dates.
- Instant Coverage: Get your insurance card immediately
- Build Credit: On-time payments can help improve your credit score*
- Extra Time to Pay: Need a bit more time? We offer up to 15 days of flexibility without penalties.
The Easy Way to Get Insured: OCHO’s Low Upfront Costs
Buying car insurance in Georgia can be expensive, especially when a high down payment stands in the way of getting covered. That’s why OCHO has worked hard to make insurance more accessible for everyone. Even if you don’t qualify for $0 down, we still reduce the upfront cost significantly compared to buying directly from the insurance company. Our mission is to ensure you can get the coverage you need without straining your wallet, offering lower down payments so you can protect what matters most without unnecessary financial stress.
Georgia Auto Insurance Facts
- Georgia's average car insurance cost is about $2,572 annually (2024 data)
- The state has strict penalties for driving without insurance
- Georgia's Move-Over Law requires drivers to change lanes for emergency vehicles
- Texting while driving is banned with fines up to $150
Smart Coverage Options for Georgia Drivers
Basic Coverage
- Liability Insurance (Required)
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
Full Coverage
- Collision Coverage
- Comprehensive Coverage
- Rental Car Coverage
- Roadside Assistance
Important Georgia Insurance Laws to Know
Move-Over Law
- Requires drivers to change lanes when approaching emergency vehicles
- If unable to move over, must slow down below posted speed limit
- Violations can result in fines up to $500
- Counts as a moving violation on your record
Hands-Free Georgia Act
- Complete ban on handheld phone use while driving
- No texting, browsing, or watching videos
- Hands-free calls and GPS only
- First offense carries a $50 fine
License Points System
- Points remain on record for 2 years
- 15 points in 24 months leads to suspension
- Insurance rates often increase with points
- Some violations can be offset by defensive driving courses
Understanding Georgia Auto Insurance Landscape
Georgia's diverse geography and driving conditions create unique insurance needs:
Metropolitan Atlanta
- Heavy traffic patterns
- Higher accident rates
- Increased risk of theft and vandalism
- Complex commuting routes
Coastal Areas (Savannah, Brunswick)
- Hurricane and flood risks
- Tourist traffic considerations
- Seasonal weather challenges
Rural Georgia
- Wildlife collision risks
- Limited emergency services
- Varied road conditions
Getting Started is Easy
1. Download Our App
While you can apply using our web application, we highly recommend downloading the OCHO app (Apple or Android). It makes managing your insurance effortless—right from your phone. Once you’re insured, you can use the app to do things like request more time to pay with just a tap, view your policy details, and handle payments with ease.
2. Enter Your Info
Simply provide a few details, and we’ll take care of the rest. Our streamlined process ensures you get accurate quotes without the hassle of long forms or unnecessary steps.
3. Get Covered
Once you’ve selected your plan, you’ll receive instant proof of insurance, so you can hit the road with confidence. No waiting, no stress, just coverage when you need it.
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