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Georgia Insurance

Direct Auto & Life Insurance is proud to offer personal auto insurance and commercial auto insurance in Georgia, the "Peach State." It’s where you can taste the sweetest peaches and Vidalia onions, and even get a sweet deal on affordable auto insurance.

At Direct, getting the affordable auto insurance coverage you need is easy. All drivers are welcome to apply for coverage, even those who may not be accepted by other Georgia auto insurance companies. When you choose Direct for your personal or commercial auto insurance needs, you’ll find flexible auto insurance coverage plans and easy access to insurance agents near you, online, in-person, or over the phone!

We offer free quotes for affordable auto insurance, no matter your past credit score or driving history. At Direct you’ll get flexible auto insurance coverage plans to fit your needs, and easy access to agents near you, online or over the phone.

Below is helpful information about Georgia Auto Insurance:

Where do I find the cheapest car insurance in Georgia?

The first step to finding the cheapest car insurance is to understand the vehicle factors that car insurance companies take into account when calculating your premium.

Georgia car insurance rates can vary depending on your driving record, the type of vehicle you drive, and the amount of coverage you choose. When evaluating your quote for cheap auto insurance in Georgia, check that you're getting the amount of coverage that's right for you.

Minimum Requirements for Car Insurance in Georgia

Georgia law requires that Georgia drivers have liability insurance on all their registered vehicles and carry proof of insurance in their vehicles at all times. The minimum required insurance coverages in Georgia are:

  • Bodily Injury Liability coverage of at least $25,000 to cover injury or death to any one person that results from an auto accident, and $50,000 to cover injuries to or death of more than one person resulting from a single auto accident.

  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

Coverage Definitions

Bodily Injury Liability (BIL): pays for medical and legal protection should you or another insured on your policy cause bodily injury to another person while operating your vehicle. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.

Property Damage Liability (PDL): pays for damage to another's property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage.

Uninsured Motorist Coverage (UM): Pays for medical and related expenses you incur if you’re injured in a car accident and the driver who is at fault does not have liability insurance or cannot be identified. In some states, uninsured motorist coverage will help pay for expenses if the driver at fault has insurance but does not have a sufficient amount to cover your claim. This coverage can be rejected in Georgia.*

What happens if I don’t have the minimum coverage?

Without the minimum amount of liability coverage required by Georgia law, you will not be able to register your vehicle. Georgia drivers caught without minimum coverage are subject to punishment such as fines, suspended licenses, and even incarceration. Direct offers cheap auto insurance policies with instant proof of insurance to make auto insurance coverage quick and hassle-free.

Does Direct offer other products in Georgia?

Direct not only provides the minimum required auto coverage for Georgia drivers, but also offers additional coverage such as comprehensive, collision, medical payments, and uninsured motorist coverage (UM). We also offer roadside assistance, emergency protection plans, and term life insurance for additional peace-of-mind on and off the road. Explore our products to discover everything Direct has to offer.

Commercial Auto Insurance in Georgia

In addition to car insurance, motorcycle insurance, and life insurance, Direct is proud to offer commercial auto insurance in Georgia. We insure vehicles that may be used by builders, contractors, landscapers, plumbers, farmers, realtors, ice cream vendors, and many more types of small businesses. Commercial auto insurance is typically for drivers who use their vehicle or truck to do activities related to their occupation or business (other than commute). Our commercial auto policies are competitively priced for individuals or fleets of up to 20 vehicles, with policy terms of 6 or 12 months.**

Visit one of Direct’s 33 participating offices across Georgia to purchase commercial auto insurance or give us a call at 1-877-GO-DIRECT(1-877-463-4732).

Where can I find more information about insurance?

Understanding the ins and outs of car insurance in Georgia can be tough. If you have questions, would like to learn more about other Georgia auto insurance options, or if you would like to get an affordable auto insurance quote, contact us: online, over the phone at 1-877-GO DIRECT (1-877-463-4732), or visit one of our many office locations in Georgia.

Other Resources

*Note that uninsured motorist coverages can be rejected in Georgia. To help you choose the coverage that’s right for you, talk with your insurance agent before rejecting uninsured motorist coverage in Georgia. In 2012, the Insurance Research Council reported that about 1 in 8 drivers were uninsured.
**Commercial auto insurance produced by Right Choice Insurance Agency, Inc. and Direct General Insurance Agency, Inc. d/b/a Direct Auto & Life Insurance as agents for Titan Indemnity Company, a Nationwide Insurance Company & its affiliates. Not available in all stores. Pay plans, discounts and coverages subject to terms and conditions.

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