What Are Georgia's Minimum Auto Insurance Requirements?

Overview

Georgia law requires every driver to carry at least 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. These are legal minimums, not a guarantee that an at-fault driver's coverage will be enough to pay for your medical bills and losses. Knowing these numbers matters because they set the ceiling on what you can collect directly from a minimally-insured driver's policy.

Frequently Asked Questions

What are Georgia's minimum auto insurance requirements?

Georgia requires drivers to carry liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage, commonly written as 25/50/25. This is the minimum needed to legally register and drive a vehicle in Georgia.

Is 25/50/25 coverage enough if I'm injured in a crash?

Often not. Serious injuries like broken bones, surgery, or long-term treatment can easily cost far more than $25,000, which means a minimally-insured at-fault driver's policy may not fully cover your losses even if your claim succeeds.

What happens if my damages are higher than the at-fault driver's policy limit?

If your damages exceed the other driver's coverage, your own underinsured motorist coverage, if you carry it, may be able to help make up the difference. It's worth having a lawyer review your own policy, not just the other driver's.

Does Georgia require any other type of coverage besides liability?

Liability coverage is the only type Georgia mandates by law. Coverage like collision, comprehensive, or uninsured motorist protection is optional, though insurers must offer uninsured motorist coverage unless you reject it in writing.

How do I find out how much insurance the other driver actually had?

This information typically surfaces during the claims process or through the police report, and an attorney or the insurance company can help confirm coverage limits early on so you know what you're working with.

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This page is for general informational purposes only and does not constitute legal advice. Laws vary by state and every case is different. Contact us to discuss the specific facts of your situation.

What Are Georgia's Minimum Auto Insurance Requirements?

Overview

Frequently Asked Questions

Have Questions About Your Injury Case?

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