Teen Driver Insurance in Georgia: Parent & New Driver Guide
Georgia requires 25/50/25 liability coverage and is an at-fault state.
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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
State Requirements
Teen drivers in Georgia must progress through a graduated licensing system: a learner's permit starting at age 15 (requiring 40 hours of supervised driving including 6 hours at night), an intermediate license at age 16 with strict passenger and curfew restrictions, and a full license at age 18 (or 17 with approved driver education). Georgia law mandates that insurers offer good student discounts to drivers under 25 who maintain a B average or better, making it one of the strongest consumer protections for parents adding teen drivers.
Bodily Injury Liability
Property Damage Liability
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What are Georgia's graduated licensing requirements for teen drivers?
Georgia requires teens to hold a learner's permit for at least one year starting at age 15, complete 40 hours of supervised driving (including 6 hours at night), and pass a road test to obtain an intermediate license at age 16. The intermediate license restricts driving between midnight and 6 a.m. for the first six months (then 1 a.m.–6 a.m.), limits passengers to immediate family for six months (then one peer passenger), and prohibits cell phone use. Teens reach full licensure at age 18, or at age 17 if they complete an approved driver education course and meet Joshua's Law requirements.
Coverage Types
Liability Insurance
Covers injuries and property damage your teen causes to others. Georgia's 25/50/25 minimum is often inadequate for serious accidents involving inexperienced drivers.
Collision Coverage
Pays to repair your teen's vehicle after an accident regardless of fault. Required by lenders if the vehicle is financed.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal collisions. Often paired with collision for newer vehicles.
Uninsured Motorist Coverage
Protects your teen if injured by a driver without insurance or adequate coverage. Not required in Georgia but offered at policy purchase.
Full Coverage for Financed Vehicles
Combination of liability, collision, and comprehensive required by lenders when a teen's vehicle is financed or leased.
Medical Payments Coverage
Covers medical expenses for your teen and passengers regardless of fault, supplementing health insurance.