Teen Driver Insurance in Georgia: Parent Guide
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
Georgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
Under Georgia's graduated licensing system, 15-year-olds can get a learner's permit (Class CP) after completing an approved driver education course, 16-year-olds progress to an intermediate license (Class D) with passenger and nighttime restrictions, and full unrestricted licenses (Class C) are available at age 18. Georgia law mandates that all insurers offer a good student discount to drivers under 25 who maintain at least a 3.0 GPA, making it one of the few states where this discount is legally required rather than carrier-discretionary.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Georgia
$375–$440/mo
Typical monthly rate in Georgia, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Vehicle type — a teen driving a 10-year-old sedan with liability-only coverage costs far less to insure than a teen assigned to a newer SUV with full coverage and a lien holder requirement.
- Metro Atlanta vs. rural Georgia — teen drivers in Fulton and DeKalb counties face higher premiums due to congestion and higher claim frequency, while rural areas like South Georgia see lower base rates but fewer carrier options.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am (secondary)
Passengers
no passengers first 6 months, then max 1 younger than 21 for 6 months, then max 3
Source: IIHS and GA DDS, verified July 2026
Coverage Types
Liability-Only for Older Vehicles
Carrying only Georgia's required 25/50/25 liability (or higher limits like 100/300/50) without collision or comprehensive coverage. Works for parents whose teen drives a paid-off vehicle worth less than $3,000–$4,000.
Full Coverage for Financed or Newer Vehicles
Liability plus collision and comprehensive, required by lenders and recommended for vehicles worth more than $5,000–$8,000. Includes protection for the teen's vehicle in addition to liability for damage the teen causes.
Uninsured Motorist Coverage
Covers your teen's injuries and vehicle damage if hit by a driver with no insurance or insufficient coverage. Not required in Georgia but offered by all carriers.
Higher Liability Limits
Increasing liability from Georgia's minimum 25/50/25 to 100/300/100 or 250/500/100. Protects the parent's assets if the teen causes a serious accident and the claim exceeds minimum limits.
Telematics / Usage-Based Insurance
A discount program that monitors your teen's driving through a mobile app or plug-in device, rewarding safe behavior like smooth braking, obeying speed limits, and avoiding late-night driving.
Good Student Discount
A discount for students under 25 who maintain at least a 3.0 GPA or equivalent. Requires periodic proof of grades, typically each semester or annually.