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 enforces compliance through electronic verification with the Georgia Electronic Insurance Compliance System (GEICS), which matches vehicle registrations against active policies.
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 Rates and Get CoveredFrequently Asked Questions
How does GEICS affect my Georgia car insurance?
The Georgia Electronic Insurance Compliance System (GEICS) matches vehicle registrations against active insurance policies in real time. When your policy lapses or cancels, GEICS notifies the Department of Driver Services within days, triggering automatic license and registration suspension without warning. This system has reduced uninsured rates but eliminated the grace period previously available for coverage gaps.
Coverage Types
Liability Insurance
Georgia's required 25/50/25 minimum liability often proves inadequate in serious accidents. Increasing to 100/300/100 limits costs approximately $20–$40/month more but protects your assets if damages exceed the minimum.
Full Coverage
Combines liability, collision, and comprehensive into complete protection for your vehicle and legal liability. Required by lenders and recommended for vehicles worth more than $4,000–$5,000.
Comprehensive Coverage
Covers non-accident damage including theft, weather, vandalism, and animal collisions with your deductible applying per claim. Particularly valuable for vehicles parked outdoors or in areas with weather exposure.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Functions as backup protection despite Georgia's electronic verification efforts.
Collision Coverage
Repairs or replaces your vehicle after accidents with other cars or objects regardless of fault. Your deductible ($500–$1,000 typically) applies before coverage pays the remaining repair or replacement cost.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed by your insurer to prove continuous coverage after DUI, reckless driving, or driving uninsured. Required for three years in Georgia following certain violations.