Georgia Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

If you live in Georgia, the minimum car insurance coverage you must have according to the law is 25/50/25. Having this coverage means having $50,000 in bodily injury coverage per accident with a $25,000 limit per person and $25,000 in property damage coverage. Having the minimum coverage protects drivers from having to pay for the medical costs and other expenses of a third party in case of an accident. However, add-ons and other coverages can be purchased to increase protection. There is a no car insurance penalty in Georgia for those who have no insurance policies, with the consequences ranging from fines to jail time.

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What Is the Minimum Car Insurance Requirement in Georgia?

How much car insurance you need in Georgia should follow the minimum liability coverage the state requires. This includes:

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $25,000 in property damage per accident

Note that insurers can refer to these values in shorter forms, such as 25/50/25. While these limits are the legally required minimums, more coverage can be added as needed or desired.


What Does This Minimum Coverage Mean?

Like most states, car insurance is required in Georgia. Drivers must have 25/50/25 in liability coverage, which pays for injuries caused to a third party and any damages to their property. For bodily injury coverage, drivers must have a minimum limit of $25,000 per person and $50,000 for all persons involved in an accident. For property damage, a policy must have at least a $25,000 limit.

Take note that the state’s minimum requirements may not be enough to cover you in an accident. Consider getting additional coverage to increase your protection.

How Much Does the Minimum Car Insurance Cost in Georgia?

In Georgia, car insurance premiums are determined based on a number of factors. Your age, ZIP code, driving history, credit score and more are considered by insurers, with some factors being more heavily weighed compared to others. Cost can also vary based on the insurance company of your choosing.

USAA offers the cheapest auto insurance in Georgia at an average of $493 per year. However, their services can only be purchased by those in military families. The next cheapest option, and the most widely available, is GEICO, with policies costing an average of $722 per year.

Cheapest Minimum Liability Car Insurance in Georgia

Cheapest Minimum Car Insurance in Georgia
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These prices are only estimates based on rates for an average Georgia driver and should not be used to compare insurance prices.

Rates in Georgia were gathered based on the state’s minimum liability requirement of 25/50/25. MoneyGeek also used a driver’s profile of a 40-year-old Georgia resident with a 2010 Toyota Camry and a good driving record and credit score.


What Is the Minimum Car Insurance Requirement in Georgia While Leasing a Car?

Apart from Georgia’s minimum liability requirements, drivers that lease their cars may have to consider their leasing company’s rules on car insurance. Typically, financial leasing companies have higher requirements, mandating full coverage insurance with at least 100/300/50 liability limits. Ask your financial leasing company what their minimum requirements are since this can vary from company to company.

The minimum liability limits in Georgia may not be enough to protect you from financial repercussions if you get into an accident. This is why how much car insurance you need should depend on your personal factors, such as your driving history and financial stability, along with external factors, such as how many uninsured drivers there are in the state.

In Georgia, 12.4% of drivers are uninsured. This puts you at risk if you get into an accident with one of them and you have no full coverage insurance. That said, MoneyGeek generally recommends having full coverage insurance with at least 50/100/50 in liability limits.

Penalties for Driving Without Car Insurance in Georgia

In Georgia, car insurance laws mandate that drivers need to have a minimum amount of liability insurance before they can drive around the area. Without this, the state can impose fines and penalties.

By law, the Georgia Department of Revenue has the right to impose the following consequences to drivers without car insurance:

  • Suspend or revoke the vehicle registration and license of the driver
  • Fine the driver or vehicle owner $25 for any lapses in coverage while the vehicle is registered
  • Fine the driver or vehicle owner up to $160 on top of the $25 fine if the lapse of coverage fine is not paid without 60 days
  • Refuse to reinstate vehicle registration or renew it if fines have not been paid or the vehicle continues to be uninsured

Frequently Asked Questions About Car Insurance in Georgia

Understanding car insurance in Georgia can be difficult since there are a number of laws and requirements to remember. Below, MoneyGeek answered a few frequently asked questions about car insurance in Georgia.

Learn More About Car Insurance

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.