Driving in Georgia requires more than just a license. Here's exactly what coverage the state requires — and why the minimums often aren't enough.
Georgia law requires every registered vehicle to carry a minimum amount of auto liability insurance. Driving without it can result in fines, license suspension, and serious financial risk if you're involved in an accident.
What Georgia Requires
The state mandates a minimum of 25/50/25 liability coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
What Those Numbers Mean
Liability insurance covers other people's injuries and property damage when you cause an accident — it does not cover your own vehicle or medical bills. If a multi-car accident causes $80,000 in injuries to two people, Georgia's minimum covers only $50,000 of that. You'd be personally responsible for the rest.
Why the Minimums Often Aren't Enough
Medical costs and vehicle repair costs have risen substantially. A single hospitalization can easily exceed $25,000. Most experienced agents recommend at least 50/100/50 coverage, and ideally 100/300/100 if you have assets to protect.
What About Uninsured Motorist Coverage?
Georgia requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage, but it's not mandatory for drivers to carry it. Given that roughly 12% of Georgia drivers are uninsured, UM coverage is highly recommended — it protects you if you're hit by someone who has no insurance or not enough to cover your damages.
Penalties for Driving Uninsured
Getting caught without insurance in Georgia results in a $185 lapse fee for a first offense, license plate suspension, and potential SR-22 requirements. Repeat offenses escalate quickly.