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Important Georgia Auto Insurance Laws to Observe While Driving

According to the laws of the United States of America, it is compulsory for every driver and motorist to get vehicle insurance before hitting the road. However, there are some exceptions to this law. For example, there are certain parts of Alaska which do not place this law on its motorists. Apart from Alaska, almost every other state places some sort of minimum liability coverage which can differ from state to state. This vehicle insurance is made compulsory for your own protection in addition to the protection of other drivers on the road. Should a bad incident or an accident occur, you will not have to go through the mental stress of financial burden. This is the reason why you should always make sure that your coverage for auto insurance in Georgia is current and up to date.


The tort system is in place for covering the laws of auto insurance in Georgia. According to this system, you are not legally bound to get underinsured or uninsured motorist coverage in your auto insurance policy. However, it is a risk not to have this kind of protection added to your insurance policy. The tort system states that if you are found at fault for causing an incident or accident on the road, you and your insurance company are liable to pay for all the damages. Georgia follows a 25/50/25 policy for minimum liability coverage. This means that there is 25,000$ per person, 50,000$ per accident and 25,000$ for property damage.

There are some instances when vehicle insurance is not required. These scenarios can include a number of situations for example the owner might have left the area, his vehicle might have been leased and the lease has ended, the vehicle has been stolen, repossessed or simply not operating anymore, the vehicle has been sold, stored or junked. If any of these conditions apply to you, you should immediately contact the Department of Revenue so that they can adjust your record.

Some auto insurance providers in Georgia exclude other drivers from your household. According to state law, they are allowed to do that. This means that if someone else is driving your vehicle and there is an accident or an incident, the insurance company is not responsible for paying the damages. If you have any doubts regarding this, you should be sure to consult your insurance agent and you should also remember to always read the terms and conditions of your auto insurance policy carefully.

To get the most affordable rates of auto insurance in Georgia you should put the ZIP code of your area at the top of the page and get a free price quote comparison.