Georgia Minimum Car Insurance Requirements: What You Need to Know

If you own a car in Georgia, you have to carry liability insurance on it. The law sets a minimum, and a lot of drivers buy exactly that without knowing what it pays for. Here's what the minimum covers, what it leaves out, and how to decide if it's enough for you.

The 25/50/25 rule

Georgia requires every registered vehicle to have at least:

• $25,000 for bodily injury to one person

• $50,000 for bodily injury to everyone hurt in one accident

• $25,000 for damage to other people's property

This coverage pays for the other people involved when you cause an accident. It does not pay to fix your own car or your own medical bills.

Georgia is an at-fault state

In Georgia, the driver who causes the crash is responsible for the damage. If the bills are more than your limits, the other driver can come after you personally for the difference. A new car can easily cost more than $25,000, and a short hospital stay can too.

Uninsured motorist coverage

Insurance companies in Georgia have to offer you uninsured motorist coverage, and you have to turn it down in writing if you don't want it. It pays your medical bills and car repairs when the driver who hits you has no insurance, or not enough. Plenty of drivers on Georgia roads are uninsured, so we recommend keeping it.

What happens if you drive without insurance

Insurers report your coverage to the state electronically. If your policy lapses, the state can suspend your registration, and you'll pay fees to reinstate it. Getting caught driving uninsured can also mean fines and a suspended license. A lapse can raise your rates for years afterward, too.

How much coverage should you carry?

It depends on what you own and what you could lose in a lawsuit. Many of our clients in Hapeville and Atlanta choose 50/100/50 or 100/300/100, plus uninsured motorist coverage. If your car is financed or leased, your lender will also require collision and comprehensive. Learn more on our car insurance page.

Get a quote

Total Insurance Hapeville compares rates from several carriers so you can see what minimum coverage costs next to higher limits. Call (404) 767-6750 or request a free quote online. Se habla español.