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Georgia Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Georgia. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Georgia will offer a minimum level as follows:

$25,000 in Bodily Injury per person
$50,000 in Bodily Injury per accident
$25,000 in Property Damage
$2,000 in Medical Payments

Be sure to carry proof of liability insurance on your person or in the vehicle while driving.

What Is The Average Premium for Auto Insurance in Georgia?

$65 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $65. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

Georgia Uses Electronic Insurance Database

Like many states Georgia has made electronic reporting of auto insurance mandatory for insurance companies. This allows law enforcement and drivers to check the status of auto insurance online. You still need to carry proof of insurance in case the officer asks but they will likely be able to see it online.

Georgia SR-22 Auto Insurance

Georgia requires drivers with suspended licenses to maintain a financial responsibility filing called SR-22. For most drivers whose license has been suspended you must file this form with the Department of Motor Vehicles. The form is required for violations such as failure to pay child support and accumulation of points on record but is most commonly needed for drivers with a DUI conviction. This filing is normally required for a period of 3 years but may be longer depending on your court order. Reference our SR22 insurance page for more details about SR-22 forms.




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