Car Insurance in Georgia: Requirements

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Minimum car insurance in Georgia

Liability insurance covers damage and injuries you cause to others. If you have purchased only a low limit of liability insurance and cause a large accident, you can be sued for what your insurance won't cover. 

Minimum auto liability insurance in Georgia:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

This is often written as 25/50/25.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

Uninsured/underinsured motorist is for injuries to you or your passengers if you're hit by a driver who has no liability insurance or not enough. Insurers in Georgia must offer it but you can turn it down.

   More: Cheap car insurance in Georgia

Optional Georgia car insurance

Comprehensive insurance: Covers the theft of your car or damage from flood, fire, hail, vandalism, falling objects and explosions. It also covers damage from hitting an animal, like a deer.

Collision insurance: For damage to your car from hitting another car or an object, like a tree.

Rental reimbursement: This coverage type pays for a rental car while your vehicle is in the shop due to a car accident.

Medical payments (MedPay): MedPay covers injuries and funeral expenses for you or your passengers, no matter who caused the accident. It's available in Georgia but not required.

You must show an insurance ID card (or other proof of financial responsibility) in Georgia when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your vehicle is involved in a car accident

Penalties for not having auto insurance in Georgia

  • Misdemeanor, subject of a fine of $200 to $1,000 and/or up to 12 months imprisonment; suspension of registration until proof provided and fee are paid.

Source: Property Casualty Insurers Association of America

Complaints against car insurance companies in Georgia

A national "complaint ratio" number shows the number of complaints against a company relative to the insurer's size of business. Shown below are national complaint ratios for the largest auto insurance companies in Georgia.

Georgia auto insurance complaints

DUI laws in Georgia

First offense

The first DUI offense is a misdemeanor in Georgia. If convicted, you could face the following fines and penalties:

  • A fine between $300 to $1,000.
  • Up to one year in jail.
  • License suspension up to one year.
  • $210 license-reinstatement fee.
  • Mandatory minimum of 40 hours of community service.
  • You may be able to do limited driving (such as work, school) with an ignition interlock.

Second offense

The second offense within five years of the first offense is a misdemeanor. If convicted, you could face:

  • A fine between $600 to $1,000.
  • Mandatory minimum of 48 hours in jail, with a possible 90 days to one year.
  • License suspension for three years.
  • $210 license-reinstatement fee.
  • Minimum 30 days of community service.
  • A mandatory clinical evaluation; if necessary, completion of a substance abuse treatment program at your expense.
  • If you're on probation, you must install an ignition interlock for at least 12 months.

Third offense

The third offense within five years of the second offense is a high and aggravated misdemeanor. If convicted, you could get:

  • Mandatory minimum of 15 days in jail.
  • A fine of $1,000 to $5,000.
  • License revocation for five years.
  • Mandatory minimum of 30 days community service.
  • Your name, photo and address published in the local newspaper at your expense.
  • You'll be declared a habitual violator, and your license plate will be seized by the court and sent to the Department of Motor Vehicle Safety.
  • A mandatory clinical evaluation; if necessary, completion of a substance abuse treatment program at your expense.
  • If you are on probation, you must install an ignition interlock system for at least 12 months.

    DUI penalty sources: Governors Office of Highway Safety in Georgia and the National Conference of State Legislatures

Distracted driving laws in Georgia

Prohibits drivers from using hand-held cell phone while driving


All cellphone ban

Only school bus drivers

All cellphone use banned for novice drivers

Yes, drivers under age 18

Text messaging ban while driving

All drivers

Source: Governors Highway Safety Association

Updated June 13, 2018

Find a Georgia auto insurance agent:

Acworth Car Insurance
Americus Car Insurance
Auburn Car Insurance
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Braselton Car Insurance
Brunswick Car Insurance
Buford Car Insurance
Cairo Car Insurance
Calhoun Car Insurance
Canton Car Insurance
Carrollton Car Insurance
Cartersville Car Insurance
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Fairburn Car Insurance
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Fort Oglethorpe Car Insurance
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Griffin Car Insurance
Grovetown Car Insurance
Hampton Car Insurance
Hinesville Car Insurance
Holly Springs Car Insurance
Jefferson Car Insurance
Jesup Car Insurance
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LaGrange Car Insurance
Lawrenceville Car Insurance
Lilburn Car Insurance
Loganville Car Insurance
Marietta Car Insurance
McDonough Car Insurance
Milledgeville Car Insurance
Monroe Car Insurance
Moultrie Car Insurance
Newnan Car Insurance
Norcross Car Insurance
Peachtree City Car Insurance
Perry Car Insurance
Pooler Car Insurance
Powder Springs Car Insurance
Richmond Hill Car Insurance
Rincon Car Insurance
Riverdale Car Insurance
Rome Car Insurance
Smyrna Car Insurance
Snellville Car Insurance
St. Marys Car Insurance
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Stockbridge Car Insurance
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Thomaston Car Insurance
Thomasville Car Insurance
Tifton Car Insurance
Toccoa Car Insurance
Union City Car Insurance
Valdosta Car Insurance
Vidalia Car Insurance
Villa Rica Car Insurance
Waycross Car Insurance
Winder Car Insurance
Woodstock Car Insurance

MORE: Additional Georgia Cities & Towns

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