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Do I Need Car Insurance in Georgia

Why do you need car insurance in Georgia? Is there any genuine reason that one should purchase car insurance in GA or it is only because it is a legal requirement? Yes it is important for car owners to go for auto insurance in Georgia as there is so much importance attached to it. In Georgia it is an offence to drive a car without car insurance and the offence carries severe penalties. You need to go for car insurance because it protects you from fire, theft and vandalism. They also minimize your costs in case you are involved in an accident. If you drive your car without insurance, you will be putting your life and those of others at risk.


There are different car insurance plans in GA. The first to be discussed here is the liability and collusion. The liability is the one that covers the damage caused to individuals when an accident occurs and they are written in three numbers e.g. 25/50/25 meaning $25,000 for bodily injury costs per individuals, $50,000 for bodily injury costs on each accident and $25,000 for damage caused on the property. The liability on the bodily injuries covers the wages lost and the hospital bills for damages caused to others in the event of an accident. The collusion coverage is the one that is for damages on the car/vehicle. It is for the repair and replacement of the vehicle where an accident has happened. If the repairs on cars are over 70% of the value of the car, your car will be replaced by the insurance companies in Georgia. There is also the comprehensive which is for natural disaster, animal collusion, theft, vandalism, fire etc.

GeorgiaAutoInsuranceCar insurance in GA protects your investments that are why it is very important that you go for them. This includes the loans that you may have taken to purchase your car and your car/vehicle. They stop you from being bankrupt because you can easily go bankrupt if in case of an accident that causes injury to another individual. You may end up in a serious financial trouble because there are so many costs that you incur when you are involved in an accident and all these costs you have to pay for them by yourself.

It is also a requirement to have car insurance in GA as per the laws of that state. As a driver, you need to have an accident liability insurance for the cars that you own and it must cover $25,000 for each person bodily injury, $50,000 for bodily injury where several persons are involved and $25,000 in case of a property damage where an accident occurs. There are severe penalties for those who drive without car insurance. The registration of your vehicle will be suspended, you will have to pay fine and there is a reinstatement fee of $60.  If you drive a car that has a suspended registration, be sure to go through a very harsh penalty as this is taken as a misdemeanor.

We can assist you find Georgia cheap car insurance by comparing the various insurance companies that are there in this state. Enter your ZIP on top of this page and compare the quotes from the 3 cheap providers that we will match you with and immediately start doing some savings with your car insurance company.