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What Are the Minimum Car Insurance Requirements in Georgia

It’s no secret that the cost of car insurance can be incredibly expensive. In fact, it’s one of the most common reasons people switch providers. So, what are the minimum requirements for car insurance in Georgia? In this blog post, we will answer this question and more. We will discuss what factors impact your rate, as well as the types of vehicles that are covered under a minimum policy. Finally, we will give you a rundown on some of the most important things you need to know about getting car insurance in Georgia.

What are the minimum car insurance requirements in Georgia?

In Georgia, the minimum liability insurance requirement is $25,000 per person and $50,000 per accident. You must also have uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. Additionally, you must carry proof of insurance in your vehicle at all times.

What if I do not have car insurance?

If you do not have car insurance, you are not required to purchase it in order to operate a vehicle on Georgia roads. However, without insurance, you may be subject to fines and penalties if you are involved in an accident. In fact, driving without car insurance is considered a misdemeanor offense in the state of Georgia. Additionally, if your uninsured motorist policy does not cover losses due to injury or property damage, then you may be obligated to pay for damages that occur as a result of an accident.

How can I get car insurance if I do not meet the requirements?

In order to be insured under the Georgia car insurance law, a driver must meet two requirements: they must be at least 18 years old and have a valid driver’s license. There are other requirements, but these are the two most important.

If you do not meet either of these requirements, you may still be able to get car insurance if you can prove that you have adequate coverage through another means such as rent-a-car insurance, credit card insurance, or an uninsured motorist policy. To find out more about getting car insurance if you don’t meet the Georgia minimum requirements, contact your local automobile insurance company or search online for resources.

What are the penalties for driving without car insurance?

Minimum car insurance requirements in Georgia vary depending on your driving record and the type of vehicle you drive. If you have a clean driving record, you may only need $50,000 in liability insurance. If your driving record is less than perfect, you will likely need at least $100,000 in liability insurance. The minimum required liability insurance for a car with a value of under $10,000 is $25,000. For cars with a value over $10,000, the minimum required liability insurance is increased to $50,000.

If you are caught driving without car insurance in Georgia, you will be subject to penalties that can include fines, license suspension and even jail time. You will also be responsible for any damages caused by the uninsured driver while they are on the road. The penalties for driving without car insurance can be severe and should not be taken lightly.

If you find that you have lost your car or had it damaged while it was uninsured, it is important to seek out professional help as soon as possible to avoid additional penalties and potential legal troubles.

What are the minimum car insurance requirements in Georgia?

According to the Georgia Department of Insurance, the minimum requirements for car insurance in Georgia are as follows:

$20,000 per person/$40,000 per accident

No-fault insurance for bodily injury and property damage

Six month policy with a $1,000 deductible

The following is a list of additional requirements that may be needed depending on your driving record or age:


It’s important to be aware of the minimum car insurance requirements in Georgia so that you’re not surprised when your policy doesn’t cover everything. Being knowledgeable about the state laws governing car insurance will help you protect yourself and ensure that you’re fully covered if an accident happens. Make sure to read our full article on the subject to learn more.

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