What are state minimums for car insurance in Georgia?

Georgia requires a minimum of 25/50/25 of bodily injury and property damage coverage. The average rate of auto insurance is around $46.44/mo.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Oct 21, 2021

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Things to remember...

  • Georgia drivers are required by law to purchase a minimum level of liability auto insurance
  • Buying more than the minimum required coverage types and amounts can be beneficial in some cases
  • The status of a driver’s insurance policy is provided to the state through an electronic system
  • Drivers in Georgia who are not properly insured by face fines, the loss of their driver’s license, and other serious penalties

When you get behind the wheel of a car in Georgia, you are assuming financial responsibility for any expenses that you create for other people. For example, if you cause a car accident while driving on Georgia’s roads, you will be required to pay for all related vehicle repairs, medical bills, and more.

Some car accidents can easily result in tens of thousands of dollars worth of damage or more, and many drivers do not have the financial means to pay these expenses out of their own funds.

Georgia is one of many states that has a liability insurance requirement for drivers, and this requirement gives you the means to pay for expenses that you are responsible for. Make sure you are getting the best rates with our free insurance comparison tool above!

How to Read Car Insurance Requirements

One of the first things that you will notice as you shop around for new car insurance rates in Georgia is that there are multiple types of coverage that you can buy, and you can specify a dollar amount or coverage limit for each type of insurance that you add to your policy.

Some of the many auto coverage types that you may come across include:

  • Bodily Injury Liability – Bodily injury liability insurance is required in Georgia, and it pays for the medical expenses, funeral expenses, lost wages, and more for other parties if you cause an accident.
  • Property Damage Liability – Property damage liability insurance is another type of required coverage in Georgia. This type of liability insurance pays for repairs or a replacement for all types of property that you damage while driving, including vehicle repairs.
  • Personal Injury Protection (PIP) / Medical Payments – Personal injury protection is not required in Georgia, but because it is highly beneficial in many situations, some other states do require it. While bodily injury liability insurance pays for other people’s medical expenses, personal injury protection pays for your own medical bills related to an accident.
  • Collision Insurance – Collision insurance pays for your own vehicle’s repair bills or for a full replacement in some cases, but it only pays benefits to you if the damage was caused be a collision.
  • Comprehensive Insurance – Comprehensive insurance is similar to collision coverage, but it is more inclusive. For example, in addition to providing you with benefits related to a collision, it also offers benefits for damage related to a fire, bad weather conditions, theft, and more. Collision and comprehensive insurance are optional in Georgia, but some auto lenders may require them as a term of the car loan.
  • Uninsured and Underinsured Motorist Coverage – In the event you are hit by a hit and run driver or by an uninsured motorist, this type of coverage will pay for vehicle repairs, medical expenses, and more.

If you are buying a new car insurance policy in Georgia, you first need to determine what type of auto coverage you need per state law as well as what type of optional coverage you want to buy.

Then, you need to determine the coverage limit for each for each type of insurance that you are interested in adding to your policy.


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What are the Minimum Coverage Requirements for Georgia?

As a Georgia driver, you must buy coverage that at least complies with the state’s minimum requirements for car insurance. These requirements include:

  • $25,000 for property damage liability insurance per accident
  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident

The car insurance requirements mentioned above are for personal-use vehicles in Georgia. Some drivers may have a special-use car, such as a classic car that is stored and rarely driven, or a commercial-use vehicle.

Be aware that you may need to comply with different car insurance requirements if your vehicle has a special use or classification.

If You Are Not Properly Insured in Georgia

Georgia law enforcement officials research your current insurance status against an electronic database when they pull you over for a moving violation.

You are not necessarily required to carry an insurance card with you at all times for this reason, but you still need to have an insurance card on hand in the event you are in a car accident.

If you are not properly insured according to state law, you may be fined and have your driver’s license suspended immediately. The reinstatement fee after a license suspension is $200.

Minimum Requirement vs. Recommended Coverage

Some Georgia drivers believe that they only need to buy the minimum amount of car insurance required by law. While it is true that this legal requirement must be met by all driers, there are instances when you may need to buy more auto coverage.

For example, you may need to buy more car insurance if your lender requires you to have collision or comprehensive insurance.

In addition, there are instances when the legally required coverage limits in this state will not pay for all of your expenses, but these expenses are still yours to pay.

You could be sued for damages if you do not pay them as needed. When you increase your coverage types and limits, you may be able to reduce the likelihood of having to pay for expenses out of your own funds or of being sued.

Getting Car Insurance in Georgia

You may be buying car insurance in Georgia for the first time, or you may be updating your coverage to meet your current needs. Regardless of why you are shopping for new auto insurance in this state, consider determining how much coverage you want to buy as a first step.

You can also use the Internet to research leading providers and make a list of top-ranked providers in the areas of customer service and financial strength.

After you have taken these important steps, you can easily use the Internet to request quotes from providers on your list. Online quotes are usually fast and easy to obtain, and this can simplify the entire shopping experience for you.

Remember to repeat this process every six months to keep your coverage updated. Use our free quote tool below today to compare the best rates! 


  1. https://www.iii.org/article/what-covered-basic-auto-insurance-policy
  2. https://wallethub.com/edu/pip-insurance/9248/

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