Driving in Georgia comes with responsibilities, including having proper auto insurance. The law in Georgia requires every driver to carry a minimum amount of coverage to protect themselves and others on the road.
Many drivers may not fully understand these minimums or how they impact them in case of an accident. Knowing the state’s insurance rules can help avoid legal trouble, protect your finances and ensure peace of mind when you are behind the wheel.
What coverage does Georgia require?
Georgia is a fault-based state, also known as a tort state, meaning the at-fault driver is liable for any expense incurred during an accident. The injured party can file a claim with the at-fault driver’s insurance or sue for damages if needed.
To meet legal requirements, Georgia drivers must carry the following minimum auto insurance coverage:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
These amounts cover injuries or damages you may cause to others. However, they do not cover your injuries or car repairs if you are liable.
It is worth noting that while these are the minimums, they may not be enough for serious accidents. Many drivers choose higher limits or add coverage like collision or comprehensive to protect themselves further. Driving without insurance or with less than the required minimums can lead to heavy fines, license suspension or even criminal charges in Georgia.
While Georgia’s required coverage may seem like a decent safety net, the reality is that accident costs can quickly go beyond these amounts. Medical bills, car repairs and legal claims can easily exceed the minimum limits, leaving drivers to pay out of pocket.
For better protection, many drivers choose higher coverage limits or add optional insurance like collision, comprehensive or uninsured motorist coverage. If you have questions about your coverage or face legal trouble after an accident, consulting with an experienced legal team can allow you to get helpful guidance.