Minimum Car Insurance in Georgia

Georgia drivers must carry liability insurance of at least $25,000 per person and $50,000 per incident for bodily injury and $25,000 per incident for property damage (25/50/25). Collision and comprehensive coverage are not required by state law (lenders usually require them). Policies must also include uninsured motorist coverage unless a named insured rejects it in writing.

Georgia uses the at-fault (tort) system: required liability insurance pays damages to others when you are ruled at fault for an accident, and the basic coverages sold are bodily injury liability, property damage liability and uninsured motorist coverage. Medical payments coverage for your own injuries is optional. The Alabama Department of Insurance's national list also places Georgia among the "Tort States."

Every auto liability policy on a vehicle principally garaged or used in Georgia must include uninsured motorist coverage for bodily injury and property damage, at limits of at least $25,000/$50,000 for injury and $25,000 for property, or equal to the policy's liability limits if higher (the insured may choose lower UM limits). The coverage does not apply if a named insured rejects it in writing, and need not be added at renewal with the same insurer after a rejection. Deductibles of $250, $500 or $1,000 are available. The insured may choose between UM coverage that adds on top of the at-fault driver's available liability coverage or (by written selection) coverage that pays only the difference between that coverage and the UM limits.