Georgia Auto Insurance — Minimum Coverage & 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 as a traditional tort state, meaning the at-fault driver is financially responsible for accident damages. Drivers must carry proof of insurance at all times — police can verify coverage electronically through the Georgia Electronic Insurance Compliance System (GEICS), which flags uninsured vehicles automatically.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$77–$156/mo
Typical monthly rate in Georgia, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
How does Georgia verify insurance coverage?
Georgia uses the Georgia Electronic Insurance Compliance System (GEICS), which receives real-time updates from insurers about policy status. Police can verify your coverage electronically during traffic stops. The system automatically issues citations to uninsured registered vehicles, so you can receive penalties even without being pulled over.
Coverage Types
Liability Insurance
The only coverage Georgia law requires. Pays for injuries and property damage you cause to others, but provides zero coverage for your own medical bills or vehicle repairs. State minimum 25/50/25 limits are frequently insufficient for serious accidents.
Full Coverage
Bundles liability, collision, comprehensive, and typically uninsured motorist coverage. Protects your vehicle and raises liability limits, but costs $100–$135/month more than minimum coverage for an average vehicle.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when you're hit by an uninsured or underinsured driver. Georgia insurers must offer this, but you can reject it in writing to lower premiums by $8–$15/month.
SR-22 Insurance
Not a coverage type, but a certificate your insurer files with Georgia DDS proving you carry state-required insurance. Mandated after DUI, reckless driving, or multiple violations. The filing itself costs $15–$25, but underlying premiums rise 80–120%.