Georgia Auto Insurance Requirements & Rates 2025
Georgia requires 25/50/25 liability coverage and is an at-fault state.
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Georgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Georgia operates as an at-fault tort state, meaning the driver responsible for an accident is liable for damages. The state requires continuous proof of insurance; failure to maintain coverage triggers automatic license suspension under Georgia's Electronic Insurance Compliance System (EICS), which cross-references DMV records with insurer databases. Georgia does not require uninsured motorist coverage, but insurers must offer it at policy purchase.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
about $130/mo
Average car insurance spending in Georgia
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- North Georgia mountain counties see elevated comprehensive claims from deer strikes and hail, while coastal counties (Chatham, Glynn) face hurricane and flooding exposure affecting rates.
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Georgia a no-fault insurance state?
No, Georgia is an at-fault tort state. The driver who causes an accident is financially responsible for injuries and property damage. Injured parties can sue at-fault drivers directly for damages exceeding insurance limits, putting personal assets at risk. This makes higher liability limits critical — Georgia's 25/50/25 minimum is insufficient for most serious accidents, particularly on high-speed highways.
Do I need SR-22 insurance in Georgia?
You need an SR-22 certificate if convicted of DUI, reckless driving, driving without insurance, or accumulating excessive points. The SR-22 is not separate insurance — it's a filing your insurer submits to the Georgia DDS proving you maintain continuous coverage. Georgia requires SR-22 for 3 years; any coverage lapse restarts the clock and triggers immediate license suspension through the Electronic Insurance Compliance System.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Georgia's 25/50/25 minimum is insufficient for most serious accidents — increasing to 100/300/100 adds approximately $25–$45/month but protects personal assets.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage. Protects both your vehicle and your liability exposure in all accident scenarios.
Comprehensive Coverage
Pays for non-accident damage including theft, weather, vandalism, and animal strikes. Particularly valuable for vehicles parked outdoors or driven in diverse Georgia climates.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Functions as backup liability protection.
Collision Coverage
Repairs or replaces your vehicle after accidents regardless of fault. Required by lenders but optional for owned vehicles.
SR-22 Insurance
A certificate of financial responsibility filed with the Georgia DDS after DUI, reckless driving, or driving without insurance. Not separate insurance — an endorsement on your policy proving continuous coverage.