Car insurance · Georgia
Car insurance requirements in Georgia
Liability minimum 25/50/25. Claims system: fault-based claims.
Verified summaryAll Georgia insurance topics
Requirements
Minimum car insurance requirements in Georgia
| Coverage | Requirement in Georgia |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per incident |
| Property damage liability | $25,000 per incident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Not listed as a required minimum |
What the law requires you to carry
- Bodily injury liability: at least $25,000 per person and $50,000 per incident
- Property damage liability: at least $25,000 per incident
Uninsured drivers
Uninsured motorist coverage in Georgia
Not listed as a required minimum.
Optional coverage
Coverage you can add in Georgia
- Uninsured motorist
- Collision
- Comprehensive
- Medical payments
- Rental reimbursement
Penalties
Penalties for driving without insurance in Georgia
Georgia law requires you to keep proof of the required minimum insurance in the vehicle. Confirm current penalties for driving without insurance with Georgia state agencies.
Good to know
Other things to know in Georgia
- The Georgia Office of Insurance and Safety Fire Commissioner describes liability as the coverage Georgia drivers must have to drive on public roads, and describes physical damage coverages as optional choices.
- The commissioner's office also publishes a short list of consumer tips on its auto insurance page.
- Georgia limits shown are legal minimums. A serious crash can exceed them, so consider higher limits.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Georgia
- Georgia Office of Insurance and Safety Fire Commissioner
- Website: oci.georgia.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- Georgia OCI: Auto insuranceoci.georgia.gov
- Georgia Legal Aid: Minimum auto insurance (quotes O.C.G.A. 40-6-10)legalaid-ga.org
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Georgia.
Home insurance resources and the health marketplace for Georgia are on its overview page.