Georgia Auto Insurance Requirements

As one of the many “tort” states in the U.S., Georgia law mandates certain liability coverage minimums. In a tort state, you are financially responsible for all property damage and personal injury incurred in an accident you causes. Minimum auto insurance requirements for liability in Georgia are 25/50/25 (see the chart below).

For increased financial protection, Georgia drivers might consider including medical payments, collision, comprehensive, uninsured and underinsured motorist coverage add-ons to their policies.

Please be advised that these are only the minimums. It is strongly recommended that a higher level of protection is purchased, as medical expenses and other such costs can add up quickly.

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Auto Insurance for Leased Vehicles in Georgia

Most leasing companies in Georgia typically require drivers to maintain insurance coverage which exceeds the minimums set by Georgia state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Read about special considerations for drivers in:

• Atlanta

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Contacts for Auto Insurance Information In Georgia

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Last Updated: August 19, 2010