Georgia Car Insurance Requirements (Updated for 2025)
If you drive in Georgia, you must carry minimum liability insurance to legally operate a vehicle. Georgia is an at-fault state, meaning the driver responsible for the accident pays damages. Below are the 2025 requirements and optional coverages to consider.
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Minimum Liability Coverage in Georgia
Georgia requires drivers to maintain the following minimum coverage:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
This is often called 25/50/25 coverage.
Optional Coverages to Consider
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist Coverage (UM/UIM)
- Comprehensive Coverage
- Collision Coverage
- Roadside Assistance
- Rental Car Reimbursement
If your vehicle is leased or financed, your lender may require full coverage.
Penalties for Driving Without Insurance
- Fines up to $1,000
- Suspension of driver’s license and vehicle registration
- SR-22 insurance filing requirement
Proof of Insurance Requirements
Georgia drivers must carry proof of insurance and present it during traffic stops, accidents, or registration renewals. Acceptable proof includes:
- Insurance ID card
- Digital proof via insurer’s app
- Electronic verification through Georgia’s DMV
Compare Auto Insurance Quotes in Georgia
Rates vary by location, driving history, age, and vehicle type. Use the tool below to compare personalized quotes from top Georgia insurers:
FAQs
Is Georgia a no-fault state?
No. Georgia is an at-fault state; the driver at fault is responsible for damages.
Is PIP required in Georgia?
No, PIP is optional but available.
What is SR-22 insurance?
SR-22 is a certificate of financial responsibility required for certain high-risk drivers to prove they carry minimum insurance.