Short answer: Every driver in Georgia must carry at least this coverage. The minimums are in the table below. It’s an at-fault state: the driver who causes a crash is responsible for the damage. Requirements checked against the Georgia Office of Insurance and Safety Fire Commissioner (October 2026).
Georgia car insurance requirements
The minimum limits for Georgia policies:
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing. Compare Georgia with every other state.
What Georgia drivers should know
- Georgia is an at-fault state. Uninsured motorist coverage is included automatically unless you reject it in writing.
- Insurers report coverage electronically to the state (GEICS), so a lapse can quickly lead to fees and a suspended registration.
- Metro Atlanta traffic makes location a major rating factor — prices can differ a lot between ZIP codes.
Home insurance in Georgia
- Tornadoes, severe storms and hail affect much of Georgia, and coastal homes face hurricane risk with separate wind deductibles.
- Flood insurance is separate from home insurance — worth considering near the coast and in low-lying areas.
- The Georgia Underwriting Association offers basic property coverage for homes that can’t get private insurance.
Ways to save in Georgia
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.
