AUTO INSURANCE · GEORGIA

Georgia auto insurance that actually matches how you drive.

Georgia's 25/50/25 state minimum is a number the legislature set in 1992. Current medical costs and vehicle repair costs ran past it long ago. We place auto coverage that would actually hold up in a real claim, across carriers that compete on price and service rather than one captive quote.

Free Coverage Review

WHAT'S COVERED

The three parts of a Georgia auto policy

Liability (BI and PD)

Pays for injuries and property damage you cause others. Georgia minimum is 25/50/25. Most clients carry 100/300/100 or higher.

Collision and Comprehensive

Collision for crash damage. Comprehensive for theft, hail, vandalism, flood, and animal strikes. Required when the vehicle is leased or any party holds a secured financial interest in it.

Uninsured Motorist (UM/UIM)

Pays when an at-fault driver has no insurance or not enough. Georgia has a meaningful share of uninsured drivers.

Medical Payments (MedPay)

Covers medical costs for you and passengers regardless of fault. Optional but useful for households without strong health insurance.

IMPORTANT LIMITATIONS

What a Georgia auto policy does not cover

Using a personal vehicle for rideshare or delivery

Uber, Lyft, DoorDash, Instacart, and similar work are excluded on a personal auto policy. You need either the platform's commercial coverage, a rideshare endorsement, or a commercial auto policy.

Wear, tear, and mechanical breakdown

Regular maintenance, engine failure, transmission failure, and tire wear are not covered. Mechanical breakdown coverage is a separate product.

Intentional acts and racing

Damage caused intentionally, during a speed contest, or while the driver is committing a felony is excluded.

Custom equipment above the limit

Most policies cap custom equipment coverage at $1,000 to $5,000. If you have meaningful aftermarket work, it needs to be scheduled.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Send us your current auto dec page. We will tell you where you are underinsured.

Most Georgia drivers we review are carrying liability limits that were set when the policy was first written and never updated. Send the dec page. We will show you what raising UM and liability actually costs.

$1,400 to $3,200 per year for most Georgia drivers

Free Coverage Review