Minimum Requirement on Georgia Auto Insurance Liability

Reader’s Question:

I just want to know what are the minimum requirements for car insurance in the state of Georgia?

Tom

Columbus, GA

Georgia state law requires motor vehicle owners and lessees to maintain continuous mandatory liability auto insurance coverage of at least the minimum limits in order to operate a vehicle in the state of Georgia highways or roads. The minimum liability limits set by the state of Georgia is commonly referred to as 25/50/25.

These minimum liability limits numbers stand for: bodily injury liability of $25,000 per person up to $50,000 per accident and liability limits of $25,000 per accident for property damage.

What Kind Of SR22 Auto Insurance is Required In Georgia?

Q: What kind of SR22 auto insurance am I required to carry in Georgia?

A: In Georgia, the most SR22 auto insurance you are required to carry is the state minimum liability. Liability will take care of the medical bills of the injured driver and passengers of another car if you cause an accident, as well as any damage done to that car or any other property. The minimum limits are as follows:

• $25,000 bodily injury liability for a single person
• $50,000 bodily injury total in an accident
• $25,000 property damage liability

Although this is all the SR22 auto insurance that the law requires, you may have other conditions which require you to have more. If you are financing or leasing a car, you will probably have to purchase comprehensive, collision, and even gap insurance. Other possibilities include special features such as roadside assistance and uninsured motorist coverage, although these are never required in Georgia.