120+ more*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
Coverage  | Minimum Requirement in Georgia |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
The state of Georgia requires all drivers to meet the minimum liability insurance requirements of 25/50/25.[1] Georgia is an at-fault state, which means the driver who causes an auto accident is responsible for damages and medical bills.
Georgia’s insurance requirements fall squarely in the middle of what most states require. For instance, Alaska requires minimum liability limits of 50/100/25, while Florida requires only $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability.
Georgia drivers must have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage. This is comparable to the liability laws in many states — 35 others have the same requirements.
But Georgia’s minimum required coverage amounts may not provide enough protection. If you cause an accident that injures one or more people, your insurance won’t pay more than $25,000 per person and $50,000 total, no matter how high the medical bills are.
If you add in follow-up appointments and lost wages, the costs can easily exceed $50,000, leaving you personally liable for the rest out of pocket.
Georgia requires at least $25,000 in property damage liability insurance per accident. This coverage pays to repair or replace the other driver’s vehicle if you cause an accident.
Property damage liability also covers damage to fences, mailboxes, and public property, such as utility poles and traffic signs. Coverage limits are similar to those required in other states, with 26 states implementing the same requirement.
As with minimum bodily injury liability requirements, $25,000 in property damage liability may not be enough. Since the average American who bought a new car in 2026 spent $49,353, an at-fault crash involving just one car could easily exceed the $25,000 limit.
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Georgia’s minimum car insurance requirements provide a basic level of financial protection, but they’re likely not enough for most drivers. While liability insurance helps pay for the other driver’s medical bills and car repairs after an at-fault accident, the state’s minimum policy limits can quickly be exhausted after a serious car crash.
Insurance experts often recommend higher liability limits to better protect yourself financially.[2] In Georgia, it’s also worth considering uninsured motorist (UM) coverage, which can help pay for your medical bills if an uninsured driver causes an accident.
Coverage | Recommended Coverage |
|---|---|
| Bodily injury liability | $100,000 per person/$300,000 per accident |
| Property damage liability | $100,000 per accident |
| Uninsured motorist coverage | $100,000 per person/$300,000 per accident |
Some Georgia drivers may have additional auto insurance requirements beyond the state minimums. For example, if you take out an auto loan, your lender will typically require full-coverage car insurance, including comprehensive and collision coverage.
This insurance protects your vehicle against physical damage while you pay off your loan, including hail and wind damage that’s common in parts of Georgia during summer thunderstorms. Some lenders may also require gap coverage for a new-vehicle purchase, which pays the difference between what you owe on your loan and the car’s value if you total your car.
Georgia drivers pay an average of $157 per month for liability insurance, which is well above the national average of $98 per month. Georgia’s minimum liability requirements aren’t unusually high, so it’s likely other factors influence the state’s average rates.
One of the main reasons for Georgia’s much higher-than-average liability rates is the state’s high number of uninsured drivers. About 19% of Georgia drivers are uninsured, according to the Insurance Information Institute, which forces even the best insurers to raise rates to offset the costs of uninsured drivers.[3]
In addition, metropolitan areas like Atlanta and Columbus experience high traffic and accident frequency, which contributes to more claims, lawsuits, and higher premiums across the state.[4]
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $72 |
| State Farm | $78 |
| Country Financial | $79 |
| Allstate | $85 |
| Mile Auto | $90 |
| USAA | $91 |
| Progressive | $102 |
| Mercury | $125 |
| Bristol West | $146 |
| Root | $146 |
| GEICO | $147 |
| Clearcover | $153 |
| GAINSCO | $155 |
| Direct Auto | $157 |
| The General | $165 |
| AssuranceAmerica | $167 |
| National General | $176 |
| Safeco | $179 |
| Trexis One | $179 |
| Mendota | $186 |
| Nationwide | $188 |
| First Acceptance | $193 |
| Insurify Car | $195 |
| Excepsure | $197 |
| Trexis | $198 |
| Hugo | $266 |
| Liberty Mutual | $315 |
If you fail to show proof of insurance coverage in Georgia, you may face the following penalties:
Fines: If you let your insurance lapse, the Georgia Department of Revenue will fine you $25 if your vehicle is actively registered. If you don’t pay the fine within 30 days, you’ll face a fine of up to $160.
License suspension: Your driver’s license may be suspended or revoked if you can’t show proof of insurance. If you are convicted multiple times for failing to show proof of insurance, Georgia may require you to maintain SR-22 coverage for three years from the conviction date. Premiums must also be prepaid for six months at a time.[5]
Registration suspension: The state could refuse to renew or reinstate your vehicle registration.
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The following are other coverages worth considering in Georgia:
Uninsured motorist coverage: Because roughly 19% of Georgia drivers are uninsured, many drivers choose to carry UM coverage. If an uninsured driver causes an accident, UM coverage helps pay for your medical bills and vehicle damage.
Comprehensive coverage: Georgia experiences severe weather, including thunderstorms, hail, and tornadoes. Comprehensive coverage protects you financially against weather-related damage, theft, and vandalism, while liability insurance alone doesn’t cover your car.
Collision coverage: Atlanta is one of the most congested cities in the country, increasing the risk of accidents. Collision coverage pays to repair or replace your vehicle after an accident, regardless of who’s at fault.
Gap insurance: In Georgia, nearly 31% of drivers finance their vehicles, and about 3% lease them. Gap insurance covers the difference between what you owe on your loan and what your car is worth if it’s totaled.
Knowing what type of auto insurance coverage you need beyond what’s legally required can be complicated. Answers to frequently asked questions about Georgia’s car insurance requirements can help.
Georgia law requires all drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage. No other coverages are mandated by state law, but you may want to consider additional coverage options, such as higher liability limits and UM coverage.
Minimum liability insurance helps pay for injuries and property damage you cause to others in an at-fault accident. It doesn’t cover your medical expenses, vehicle repairs, or damage caused by an uninsured driver.
Given Georgia’s high rate of uninsured drivers and severe weather risk, consider adding uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage.
Georgia is an at-fault state, meaning the driver who causes a car accident is financially responsible for the other party’s medical expenses and property damage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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