Georgia Minimum Coverage Car Insurance: Requirements and Costs (December 2024)


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Georgia requires drivers to have a minimum of $25,000 bodily injury liability per person, $50,000 per accident and $25,000 in property damage liability. Since Georgia follows an at-fault system, the driver responsible for an accident must cover the damage.

To drive legally, you must meet the minimum car insurance requirements. The cost of minimum coverage is about $61 per month. When looking for the cheapest car insurance in Georgia, balance cost with coverage.

Why Trust MoneyGeek? We analyzed Quadrant Information Services and the Georgia Department of Insurance data to provide the most accurate cost data for various Georgia drivers.

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These rates reflect the cost of minimum coverage car insurance requirements in Georgia as of December 2024.

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Georgia Minimum Coverage Car Insurance Requirements

In Georgia, drivers must carry minimum coverage auto insurance to drive legally. The state's minimum amounts for liability coverage are as follows:

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

Georgia’s fault system impacts insurance premiums, as the at-fault driver in an accident must cover all damage. Insurers consider the likelihood of liability for damage in a crash, which can influence rates.

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ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN GEORGIA?

Georgia doesn’t require collision or comprehensive insurance as part of its minimum auto coverage, but lenders usually require both if you finance or lease a vehicle. Collision insurance covers accident-related damage to your car, while comprehensive covers theft and natural disasters.

Given their protection, collision and comprehensive coverages are worth considering for vehicle owners, especially those with newer or higher-value cars. Your choice depends on your financial situation and vehicle value.

What Does Minimum Coverage Cover?
What Liability Insurance Covers
What Liability Insurance Doesn't Cover

Injuries to others if you're at fault in an accident

Your injuries

Damage to another person’s property if you're at fault in an accident

Damage to your car

Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy

Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

Repairs for weather-related accidents or if you were hit by an animal

The table reflects Georgia's minimum car insurance requirements, including bodily injury and property damage coverage. Remember, specific coverage details depend on your policy's terms and conditions.

Average Cost of Minimum Coverage Car Insurance in Georgia

Age is a key factor in determining car insurance costs. In Georgia, the age group with the highest premium for state minimum coverage is 22 to 29, primarily due to their higher risk of accidents and less driving experience.

The table below shows the average cost of minimum coverage car insurance in Georgia by age group, showing how rates vary with age.

22-29$922$77
30-59$735$61
60 +$718$60

Cheapest Companies for Minimum Coverage Car Insurance in Georgia

In Georgia, the most affordable options for minimum coverage insurance are:

  • Auto-Owners Insurance Co: $432 per year and $36 per month.
  • Country Financial: $511 per year and $43 per month.

Choose the best car insurance in Georgia that fits your budget and provides adequate coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Auto-Owners Insurance Co$432$36
Country Financial$511$43
GEICO$581$48
Mercury$683$57
Progressive$875$73
State Farm$983$82
Allstate$1,079$90

Optional Add-On Coverages in Georgia

In Georgia, optional add-on coverages include uninsured/underinsured motorist coverage, medical payments coverage, collision coverage and comprehensive coverage. These options protect against damage not covered by state minimum insurance, such as vehicle repairs or medical expenses, regardless of fault. Assessing how much car insurance you need can help you determine the usefulness of these add-ons.

Add-On Coverage
What It Covers
What It Doesn't Cover

Uninsured/Underinsured motorist coverage

Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance

Damage to your vehicle if you're at fault or damage that exceeds policy limits

Personal injury protection (PIP)

Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault

Vehicle damage or injuries to the other driver

Roadside assistance

Services like towing, flat tire changes and jump-starts when your car breaks down

Cost of parts or repairs needed after the tow

Gap insurance

Pays the difference between your car's current value and what you still owe if it's totaled or stolen

Vehicle depreciation or overdue loan payments

Rental car reimbursement

The cost of a rental car while your vehicle is being repaired after a covered event

Fuel, insurance or other rental extras

Penalties for Driving Without Insurance in Georgia

The ticket cost for driving without insurance in Georgia varies, mainly based on past offenses. Penalties are generally less severe for first-time offenders than those with previous violations, but repeat offenders can expect to face harsher consequences.

  • Fines: First-time offenders face substantial fines that increase significantly for subsequent offenses.
  • Vehicle impoundment: Authorities may impound your car, increasing costs.
  • Vehicle registration suspension: Your vehicle's registration could be suspended, requiring payment of fees to restore it.
  • License suspension and reinstatement fee: Your driving privileges may be revoked, with reinstatement contingent on paying fees.
  • Required SR-22: You may have to provide proof of insurance through an SR-22 form, demonstrating financial responsibility.

Driving without minimum coverage auto insurance is a severe violation in Georgia, emphasizing the importance of adhering to the law. Ensuring you have the required insurance keeps you compliant and protects you financially on the road.

What to Do if Your Policy Is Canceled

After your car insurance policy is canceled in Georgia, seek new coverage to avoid the serious risks of driving uninsured. Consult your previous insurance agent for options or shop around for new policies from different providers. Maintain at least the state minimum car insurance coverage.

The Georgia Department of Revenue (DOR) will be notified when you lack insurance because insurance companies must report cancellations. The DOR operates a database similar to TexasSure, which helps track the insurance status of vehicles registered in the state.

If you're struggling to find coverage, Georgia has no specific state program for drivers. However, the Georgia Automobile Insurance Plan (GAAIP) is a market of last resort for high-risk drivers. Carry state minimum car insurance coverage to stay safe and legal.

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WHY WAS MY POLICY CANCELED?

Your car insurance policy in Georgia may have been canceled for a few reasons:

  • Non-payment: If you missed paying your premiums, the insurance company could cancel your policy.
  • Fraud: Providing false information or making deceptive claims can lead to cancellation.
  • License suspension: Losing your driving privileges means you can't be insured.
  • Too many claims: Filing numerous claims in a short period might result in loss of coverage.
  • Risky driving: Serious traffic violations can cause an insurer to consider you too high risk to insure.

FAQ: Georgia Minimum Coverage Car Insurance

Find answers to your questions regarding Georgia's minimum car insurance requirements.

What is the minimum car insurance coverage in Georgia?

Why does Georgia require minimum automobile liability coverage for motorists?

Do you need comprehensive insurance in Georgia?

What happens if you drive uninsured in Georgia?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.