What is the minimum car insurance requirement in Georgia?

Georgia requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Georgia an at-fault or no-fault state?

Georgia is an at-fault state for car insurance claims.

Field report · GA

Car insurance in Georgia

Georgia is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorNo single 'DMV' - driver's licenses are issued by the Georgia Department of Driver Services, while vehicle registration/titling is handled by the Georgia Department of Revenue, Motor Vehicle Division

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Not mandatory to purchase; insurers must include UM (matching your liability limits) by default, but you can reject it in writing.

Estimated cost

$1,046 a year for minimum coverage, $2,909 for full coverage2

Average annual premiums in Georgia for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI, driving uninsured, an at-fault accident without insurance, or reckless driving, usually for about 3 years.

Local conditions worth knowing

Georgia is repeatedly cited among higher-risk states for traffic fatalities and at-fault accident rates, though its exact national ranking varies by dataset.

Frequently asked

What is the minimum car insurance requirement in Georgia?: Georgia requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Georgia an at-fault or no-fault state?: Georgia is an at-fault state for car insurance claims.
Do I need an SR-22 in Georgia?: Typically required after a DUI, driving uninsured, an at-fault accident without insurance, or reckless driving, usually for about 3 years.
Is uninsured motorist coverage required in Georgia?: Not mandatory to purchase; insurers must include UM (matching your liability limits) by default, but you can reject it in writing.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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