Georgia Minimum Insurance

1251 Marietta Blvd NW

Ste 5269

Atlanta, GA 30318

Georgia State Minimum Auto Insurance Requirements:

1. Bodily Injury Liability (BIL):

Georgia requires a minimum BIL coverage of $25,000 per person and $50,000 per occurrence. This coverage pays for injuries to others if you’re at fault in an accident.

2. Property Damage Liability (PDL):

PDL coverage of at least $25,000 is mandatory. It covers damage to someone else’s property caused by your vehicle.

3. Uninsured Motorist Coverage (UM):

Georgia law mandates UM coverage of $25,000 per person and $50,000 per occurrence. UM protects you if you’re involved in an accident with an uninsured or underinsured driver.

4. Underinsured Motorist Coverage (UIM):

UIM coverage is also required, with the same minimum limits as UM. It covers you when the at-fault driver’s insurance is insufficient to cover your damages.

5. Proof of Insurance:

Georgia drivers must carry proof of insurance at all times. Acceptable proof includes an insurance card, electronic copy, or a letter from your insurer.

Georgia State Minimum Motorcycle Insurance Requirements:

Bodily Injury Liability (BIL):
- Motorcyclists must have BIL coverage of $25,000 per person and $50,000 per occurrence.
Property Damage Liability (PDL):
- PDL coverage of at least $25,000 is mandatory for motorcycles.

Georgia State Minimum Boat Insurance Requirements:

Liability Coverage:
- While Georgia doesn’t specifically require boat insurance, liability coverage is essential. It protects you if you cause damage to someone else’s property or injure someone while operating your boat.

Georgia State Minimum RV Insurance Requirements:

Liability Coverage:
- Similar to boats, RVs don’t have specific state requirements, but liability coverage is crucial. It covers property damage and bodily injury caused by your RV.

Choose your coverage wisely and stay compliant with Georgia’s insurance laws! 🚗🏍️🚤

Georgia Auto Insurance Laws and Regulations

1. Minimum Liability Coverage

In Georgia, drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Here are the specifics:

Bodily Injury Liability:
- $25,000 per person
- $50,000 per incident
Property Damage Liability:
- $25,000 per incident

Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. These minimum limits ensure that everyone involved in an accident has necessary coverage. Remember that liability coverage does not pay for your own injuries or vehicle damage1 2.

2. Physical Damage Insurance

While Georgia state law does not require you to purchase physical damage coverage, it’s essential to understand your options. Physical damage insurance helps pay for loss or damage to your own vehicle. There are two types:

Comprehensive: Also called “other than collision coverage,” it covers theft, vandalism, and fire-related losses.
Collision: This covers losses associated with vehicle collisions.

If you financed or leased your vehicle, the lender or leasing company usually requires physical damage coverage. As a policyholder, you can file a claim under your own Physical Damage coverage even if someone else caused the accident1.

3. Uninsured Motorist Insurance

Georgia requires all drivers to have Liability Insurance to drive. Unfortunately, some drivers either do not follow the law or unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you.

Additional Resources

For more detailed information, explore these official sources:

Remember to consult a licensed insurance agent to tailor your coverage to your specific needs. Safe travels on Georgia roads! 🛣️🌟

If you are a driver in Georgia, you need to have auto insurance to protect yourself and others in case of an accident. But how much auto insurance do you need and what are the different types of coverage available? In this blog post, we will answer these questions and help you understand the state minimum auto insurance requirements in Georgia.

What are the state minimum auto insurance requirements in Georgia?

According to Georgia law, all drivers must have at least the following required minimum auto insurance coverages for their vehicle:

- Bodily injury liability: $25,000 per person and $50,000 per accident

- Property damage liability: $25,000 per accident

- Uninsured motorist bodily injury*: $25,000 per person and $50,000 per accident

- Uninsured motorist property damage*: $25,000 with a $250, $500, or $1000 deductible

*Uninsured motorist coverage can be rejected in writing.

These coverages are meant to pay for the medical expenses and property damage of the other party if you cause an accident. They do not cover your own injuries or damages to your own vehicle. For that, you may need additional coverages such as collision and comprehensive.

What are the different types of auto insurance coverage?

Besides the required minimum coverages, there are other types of auto insurance coverage that you can choose from to protect yourself and your vehicle. Here are some of the most common ones:

- Collision coverage: This pays for the repair or replacement of your vehicle if it is damaged in an accident with another vehicle or object, regardless of who is at fault. Collision coverage usually has a deductible, which is the amount you have to pay out of pocket before the insurance pays the rest.

- Comprehensive coverage: This pays for the repair or replacement of your vehicle if it is damaged by something other than a collision, such as fire, theft, vandalism, hail, flood, or animal. Comprehensive coverage also usually has a deductible.

- Medical payments coverage: This pays for the medical expenses of you and your passengers if you are injured in an accident, regardless of who is at fault. Medical payments coverage can also cover funeral expenses if someone dies in an accident.

- Personal injury protection (PIP): This is similar to medical payments coverage, but it also covers other expenses related to an injury, such as lost income, child care, and household services. PIP is mandatory in some states, but not in Georgia.

- Gap insurance: This pays for the difference between the actual cash value of your vehicle and the amount you owe on your loan or lease if your vehicle is totaled in an accident. Gap insurance can be useful if you have a new or expensive vehicle that depreciates quickly.

What are the local rates for auto insurance in Georgia?

The cost of auto insurance in Georgia depends on many factors, such as your age, gender, driving history, credit score, vehicle type, location, and coverage options. According to The Zebra, the average annual premium for auto insurance in Georgia is $1,982, which is higher than the national average of $1,674. However, you may be able to find cheaper rates by comparing quotes from different insurers and taking advantage of discounts.

How can I save money on auto insurance in Georgia?

There are many ways to save money on auto insurance in Georgia. Here are some tips:

- Shop around: Compare quotes from different insurers and see which one offers the best value for your needs. You can use online tools like NerdWallet or The Zebra to compare rates from multiple companies.

- Bundle your policies: If you have other types of insurance, such as home or renters insurance, you may be able to get a discount by bundling them with your auto insurance policy.

- Raise your deductibles: If you have collision and comprehensive coverage, you can lower your premium by choosing a higher deductible. However, make sure you can afford to pay the deductible in case of a claim.

- Drive safely: Avoid accidents and violations that can increase your premium. You may also qualify for a safe driver discount if you have a clean driving record.

- Take a defensive driving course: Some insurers offer a discount if you complete a state-approved defensive driving course. Check with your insurer if they offer this option and how much you can save.

- Pay in full: Some insurers charge a fee if you pay your premium monthly or quarterly. You can avoid this fee by paying your premium in full at the start of your policy term.

- Improve your credit score: Some insurers use your credit score

Georgia Minimum Insurance

1251 Marietta Blvd NW

Ste 5269

Atlanta, GA 30318