Introduction to Auto Insurance in Georgia
For Georgia drivers, understanding auto insurance is crucial for protecting your financial security and ensuring compliance with state laws. Whether you’re an individual driver, part of a growing family, or have teenagers about to get behind the wheel, knowing the ins and outs of Georgia’s auto insurance requirements is essential.
“On Georgia’s busy highways and country roads alike, adequate auto insurance isn’t optional—it’s your financial shield against the unexpected.”
Georgia requires all drivers to carry minimum liability insurance of 25/50/25, which means:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage [1]
Additionally, insurers must offer Uninsured Motorist coverage, though drivers may reject this coverage in writing. [2]
Why Minimum Coverage Is NEVER Enough
Georgia’s 25/50/25 minimums fall dangerously short of providing adequate financial protection in today’s environment. Consider these eye-opening statistics:
- The average hospital stay following an auto accident in Georgia costs approximately $84,000 [3]
- The average new vehicle costs about $45,000, well above the property damage minimum [4]
- In 2023, Georgia recorded over 382,000 traffic crashes with an average property damage claim of $5,200 and an average bodily injury claim of $38,700 [5]
“The gap between Georgia’s minimum coverage and the real cost of an accident isn’t just a financial risk—it’s a potential life-altering financial disaster waiting to happen.”