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Georgia Car Insurance Requirements

Numbers refreshed

Georgia drivers must carry this minimum coverage, which pays for the following.

  • Liability costs an average of $99 each month.
  • The minimum liability limits are 25/50/25.
  • Among 51 states, it ranks 5th for cost.1st = highest.

Georgia's requirements

CoverMinimum
Bodily injury, per person$25,000
Bodily injury, per crash$50,000
Property damage, per crash$25,000
Personal injury protectionNot required
Uninsured motoristNot required
Underinsured motoristNot required
Fault systemAt-fault

Source: Georgia Office of Insurance and Safety Fire Commissioner, Auto; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).

What the numbers cover

Georgia drivers need 25/50/25 liability coverage at the very least. One injured person is covered for $25,000 and everyone hurt in the same crash is covered for $50,000. Damage to other people's property is covered for $25,000.

These limits often don't cover the full cost of medical bills or a newer car. You can be asked to pay any amount above those limits, which is why many drivers buy 100/300/100 instead. The average liability policy in Georgia costs $1,187 each year.

Driving without insurance

Driving without insurance in Georgia may cost you your license and registration. Getting them back may require filing proof of insurance for several years.

Contact the Georgia Department of Driver Services (DDS) with any questions.

First written