State Requirements
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Georgia’s minimum car insurance coverage

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Georgia:

Is it mandatory to have car insurance in Georgia?


What are the minimum limits for Georgia?

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$25,000 property damage per accident



Dairyland® coverage in Georgia

At Dairyland, we’re proud to be able to help drivers in Georgia meet their insurance needs. Here are some of the parameters of our insurance coverage in Georgia:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Georgia?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident



What liability coverages are required to be offered in Georgia? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage must be offered, but they can be rejected.

What are all the coverages available in Georgia?

  • Bodily Injury
  • Property Damage
  • Uninsured Motorist Bodily Injury (added on or reduced)
  • Uninsured Motorist Property Damage (added on or reduced)
  • Medical Payments
  • Comprehensive
  • Collision
  • Rental Reimbursement
  • Special Equipment
  • Roadside assistance

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Georgia?  

20 years 

How far back does Georgia go to look at violation history?  

3 years

What additional policy types are offered in Georgia? 

Named non-owner

Is an insurance score used in my rating in Georgia? If so, is it mandatory?  

Yes, it’s part of rating but you can opt out.

What policy terms does Dairyland offer in Georgia?

6 months

What is Dairyland’s minimum down payment option in Georgia?

25% and five installments

Are SR22s used in Georgia? 

Yes, SR22s are available in Georgia and are filed electronically with no fee.

What discounts are available from Dairyland in Georgia?

  • Multi-car
  • Homeowners
  • Prior insurance (transfer)
  • Paid in full
  • Quarterly
  • Good student
  • Defensive driver course 
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