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Georgia car insurance

Georgia Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Georgia mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Georgia allows certain exemptions including:

  • The vehicle’s lease is terminated
  • The vehicle is inoperable or it was stolen or repossessed
  • It was wrecked, salvaged or junked
  • It is only used for seasonal or agricultural purposes
  • Ownership was transferred out of state or the owner moved

    Georgia Minimum Liability Coverage
    Each state sets its own minimum liability amounts. In Georgia they are as follows:
    • Bodily Injury for One Person: $25,000
    • Bodily Injury for All Injuries: $50,000
    • Property Damage: $25,000

    Georgia Uninsured/Underinsured Motorist Coverage
    Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

    Georgia does not require this coverage.

    No Fault Insurance
    In Georgia, you are not required to carry no-fault insurance. Georgia is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.