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Georgia Auto Insurance Law -Four Factors You Need To Know

Georgia is known for many things from which the historical heritage and the southern hospitality stand out the most. The drivers in the state of Georgia, as other drivers in other states, must follow its auto insurance requirements and laws to have the privilege to operate a motor vehicle. Even though that many car insurance laws in Georgia are pretty much the same to insurance laws in other states, they have few specifics that are characteristic for this state.

Minimum coverage

According to the Georgia law, all drivers need to carry their accident liability insurance policy in their vehicle in any given moment. Their insurance policy must be according to the Georgia standards and to carry at least $25.000 per person for injuries sustained in an accident cause by the insurer, $50.000 for bodily injuries of two or more people and $25.000 for property damage. The common term used to refer to these minimum requirements is 25/50/25. However, one needs to know that these requirements are designed only for the purpose of protecting other parties in an accident cause by the insurer. That is the only goal and this coverage doesn’t help for damages to the insurer’s vehicle, property or person in case of some sort of vehicle accident.



The tort system is how Georgia deals with traffic accidents. According to the tort law system one party is always guilty in an accident. As a result of that, Georgia motorists are not obligated to possess personal injury insurance or to have under-insured/uninsured motorist protection. Hypothetically, if you are involved in an accident, you possess the minimum required insurance coverage and the other involved party is uninsured motorists. The tort law says one of the parties needs to be “at fault” for the accident. In case it’s your fault, your insurance will cover the other party’s damage. On the other hand, if the uninsured motorist is at fault, you are not entitled to any money compensation from him. Might sound unfair but that’s how the law functions and it works as such for a long time.


One needs to be fully aware that Georgia has heavy penalties for drivers caught behind the wheel without proper GA auto insurance policy. The law is pretty clear and strict when it comes to penalizing drivers without insurance – every driver that drives uninsured risks 60 to 90 days suspension of his driver’s license. In order to register your vehicle in the State of Georgia you need to provide written proof of insurance. Also, if a driver without insurance policy is pulled his vehicle can be towed. In addition to that the driver risks several more fines if caught driving without it.


The State of Georgia offers few exceptions to its insurance laws. Here are the exemptions

–              Salvaged or junked vehicles or vehicles with an expired lease

–              Vehicles used seasonally or for agricultural purposes such as farming equipment

–              Repossessed vehicles or vehicles that have been stolen

–              Motorists are not required to insure inoperable vehicles

Even though that this gives you a glimpse in how the auto insurance in Georgia system works it won’t help you much in getting the best rates.

Simply enter your zip on the top of this page and get quotes from the cheapest insurance providers. Combine our free quote system with your knowledge in Georgia auto insurance laws and you’ll never overpay your insurance policy.