Georgia is an at-fault state with 25/50/25 minimum liability limits: $25,000 of bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage. Unlike Florida next door, there's no PIP requirement, the driver who causes a crash pays for it, through their liability coverage.
Minimums are the legal floor, not a recommendation. The $25,000 property damage limit is the most the liability coverage would pay for covered damage to other property in one accident, so compare the cost of higher limits as well as the cost of the minimum policy.
The figures below explain the policy structure used in Georgia. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Georgia minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
Source: Georgia Office of Commissioner of Insurance — Auto insurance
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Georgia
State law is only the starting point. These Georgia-specific details show what to confirm before you compare coverage or buy a policy.
How Georgia's at-fault system works
After a crash, the at-fault driver's liability coverage pays for the other side's injuries and damage. Your own injuries ride on the other driver's policy, or on your own optional coverages (medical payments, uninsured motorist) when the other driver is uninsured or underinsured.
Georgia insurers offer uninsured and underinsured motorist coverage, which can protect the policyholder when an at-fault driver has no insurance or not enough. Check the declarations and any signed selection or rejection form rather than assuming two proposals include the same UM/UIM protection.
SR-22s in Georgia
Georgia's Driver Services rules use an SR-22 as proof of financial responsibility in specified reinstatement cases. An SR-22A applies after a second or subsequent no-insurance conviction and must generally remain on file for three years; the first six-month filing is marked paid in full. The DDS order or reinstatement notice controls which form a driver needs.
How Georgia verifies continuous insurance
Georgia vehicle owners and lessees must keep liability insurance in force while a registration is active. Insurers transmit policy information electronically to the Georgia Department of Revenue, where it is matched to the vehicle record. Drivers can use the state's DRIVES service to check whether coverage appears in the system.
For a standard individually insured vehicle, the Department of Revenue says the insurance card alone is not the state's primary proof because the insurer reports coverage electronically. The card still needs to be carried in the vehicle and can be needed after a crash or while traveling in another state. If the vehicle identification number or effective date is wrong, the insurer must correct the electronic record.
Compare Georgia options using one coverage design
Enter your ZIP once, keep the limits consistent and review which licensed partners may be available for your profile.
No account · No obligation
You review the contact consent before sending and can see who may contact you.
Start a Georgia quote requestWhat affects car insurance rates in Georgia?
Average annual expenditure for auto insurance in Georgia was $1,347 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement. It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Georgia ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Georgia car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Georgia. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Georgia city
State law applies across Georgia, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Georgia page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is Georgia Office of Commissioner of Insurance, Auto Insurance (25/50/25 minimums); O.C.G.A. §40-9-37 (financial responsibility) and §33-7-11 (UM/UIM). Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Georgia Office of Commissioner of Insurance — Auto insurance ↗Official state consumer page listing Georgia's minimum auto liability limits.
State requirement source
Georgia Department of Revenue — Insurance coverage ↗Official state guidance on continuous coverage, electronic insurer reporting and acceptable proof of insurance.
State requirement source
Georgia Department of Driver Services — SR-22 and SR-22A rules ↗Official state rules describing when Georgia requires an SR-22 or SR-22A and how long the filing must remain in force.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 9, 2026
Georgia car insurance FAQs
Ready to request options in Georgia?
Request options for your ZIP with no account and no obligation to buy. Keep the coverage consistent so the comparison stays useful.
No account · No obligation
You review the contact consent before sending and can see who may contact you.
Start my quote request