What are the minimum car insurance requirements in Georgia?

Every state sets different rules about car insurance—rules about fault, minimum insurance limits, and penalties for failure to comply with the laws. The state of Georgia is no different. Drivers are required to carry insurance to cover any property damage or personal injury that may occur in a car accident. Georgia is a fault state, meaning that blame is assigned after an accident and the party responsible for the crash must pay for the damage. Auto insurance covers these costs, up to a certain limit.

The state requires every vehicle to carry minimum coverage. In Georgia, the state mandates:

  • Bodily injury liability:  $25,000 per person. $50,000 for multiple people in an accident.
  • Property damage liability:  $25,000 for one incident.


Bodily injury liability covers the injuries suffered by a person in an accident. It could cover medical expenses, lost income, as well as pain and suffering. Property damage liability provides compensation for the damage done to another person’s property, such as a car, bicycle, mailbox, home, and more.

These amounts are the minimum amounts required by Georgia law, though many drivers elect to purchase larger policies in order to further protect themselves from the possibility of personal financial responsibility in the case of a serious accident. Drivers who fail to secure the appropriate levels of insurance can be penalized. Uninsured motorists are subject to fines, the loss of driving privileges, and the revocation of vehicle registration. Driving an unregistered vehicle is a misdemeanor in Georgia.

Additional Coverage Available to Georgia Motorists

State law requires only bodily injury and property damage coverage, though many drivers opt to purchase additional insurance to offer further protection from accidents. Most insurers also offer policies that cover:

  • Medical payments. This coverage can provide payment for medical expenses due to injuries as a result of an accident.
  • Collision. Collision coverage can pay for the replacement or repairs to a vehicle after a crash.
  • Comprehensive insurance. This coverage offers protection from damages or losses not related to road accidents, such as theft or weather damage.
  • Uninsured and underinsured motorist insurance. If a driver with no insurance or not enough insurance is at fault for an accident, this coverage can cover the expenses related to the accident.


If you or someone you love has been injured in a car accident, you may be entitled to compensation, even if the driver responsible doesn’t have auto insurance. Call the experienced lawyers at Rechtman & Spevak at 888-522-7798 to learn more about your options and find out what we can do to help, and download our FREE book, The Ultimate Guide to Accident Cases in Georgia.