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Georgia’s minimum car insurance coverage requirements

Illustration of a peach orchard in GeorgiaIllustration of a peach orchard in Georgia


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?

Yes

What are the minimum limits for Georgia?

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

—or—

25/50/25

Auto coverages in Georgia

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 available in Georgia?

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

—or—

100/300/100

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

Bodily injury liability and property damage liability must be offered and can’t be rejected. Uninsured motorist bodily injury and uninsured motorist property damage coverage must be offered, but they can be rejected.

What coverages are available in Georgia?

  • Bodily injury liability

  • Property damage liability

  • 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

  • Lienholder deductible

  • Car loan protection

What’s the oldest a vehicle can be to get 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?

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

Yes, an insurance score is part of rating but you can opt out.

What policy terms are available in Georgia?

6 months

What is the minimum down payment option in Georgia?

25% and five installments.

Are SR22s used in Georgia? If so, is there a fee?

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

What discounts are available in Georgia?

  • Multi-car

  • Homeowners

  • Prior insurance (transfer)

  • Paid in full

  • Quarterly

  • Defensive driving course

  • Good student

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