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 at-fault state for car insurance claims.

Field report · GA

Car insurance in Georgia

Georgia is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristNot required

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

Illustrative estimate: roughly $1,000/year for minimum coverage - somewhat above the national average.

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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