Georgia Auto Insurance Requirements & Rates
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 under a traditional at-fault tort system, meaning the driver responsible for an accident is liable for damages. The state requires all drivers to carry proof of insurance and electronically verifies coverage through the Georgia Electronic Insurance Compliance System (GEICS).
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
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Compare Auto Rates for FreeFrequently Asked Questions
Is Georgia a no-fault insurance state?
No, Georgia is an at-fault tort state. The driver responsible for an accident is liable for all damages, and injured parties can sue for amounts exceeding insurance policy limits. This differs from no-fault states where each driver's insurance pays their own medical bills regardless of fault. Georgia's system makes higher liability limits essential to protect personal assets.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Georgia's 25/50/25 minimum is often insufficient for serious accidents, leaving your personal assets exposed in lawsuits.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both you and your vehicle. Required by lenders and recommended for vehicles worth more than $5,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Covers your vehicle regardless of fault.
Collision Coverage
Pays for damage to your vehicle after an accident, whether you're at fault or not. Not required by Georgia but mandated by all vehicle lenders.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Georgia requires insurers to offer this but allows drivers to reject it in writing.
SR-22 Insurance
A certificate of financial responsibility filed with the state after serious violations like DUI, reckless driving, or driving uninsured. Not a separate policy but a filing attached to your existing coverage.