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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.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes

$25,000 per person

$50,000 per accident

Property Damage Liability Yes

$25,000

Uninsured Motorist Coverage No

$25,000 per person

$50,000 per accident

Underinsured Motorist Coverage No  
Personal Injury No  



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:

Read about special considerations for drivers in:

 

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Contacts for Auto Insurance Information In Georgia

Georgia Department of Revenue: Motor Vehice Division
PO Box 740381
Atlanta, GA 30374-0381
www.dmvs.ga.gov/motor
Georgia Insurance & Safety Fire Commissioner
2 Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, GA 30334
www.inscomm.state.ga.us

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: February 14, 2008

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Key Facts...
As of 2006, motor vehicle collisions account for more than 1 million deaths and 20 million to 50 million injuries each year. You owe it to yourself and your family to find good quality car insurance that fits your needs.
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