Georgia, like most states, requires all drivers to maintain a liability policy on their vehicle.  Georgia is also known as a tort state.  This means that instead of a no-fault system, damages are paid by whoever was at fault.  Depending on the policy of a driver and the insurance company, liability benefits may or may not extend to drivers of the vehicle unless they are listed on the policy.

Q: “What is the minimum amount of auto insurance coverage that I need in Georgia?”

Liability policies cover expenses for which a driver is deemed responsible in case of an accident.  The minimum liability coverage in Georgia is known as a 25/50/25 policy.  This means that the minimum coverage is $25,000 for single occupant driver, $50,000 for more than one occupant, and $25,000 for property damages. It is always recommended to carry more than the minimum amount of insurance, especially with collision and comprehensive coverage. If you do not carry enough coverage to protect your assets, in the event of an accident you may be left having to pay the rest of the bill!

Compare Georgia Car Insurance Rates Online

When comparing auto insurance rates, Georgia is right in the middle of the road compared to the national average.  To make finding the right insurance policy for the best rate, go to autoinsurancebystate.com. You can get multiple quotes from the top auto insurance companies just by putting your zip code in.  In less than two minutes you can apply online and get instant quotes.  Just point and click!

Current Providers in Georgia

For More Information

Georgia Department of Insurance
Two Martin Luther King, Jr. Drive
West Tower, Suite 716
Atlanta, Georgia 30334
Phone: (404) 656-2070
Toll Free: (800) 656-2298
Fax: (404) 657-8542