What Is Minimum Auto Insurance Coverage In Georgia?
Reader’s Question:
What is the minimum auto insurance coverage in Georgia? Are there any policy I need to purchase?
Andrea
Columbus, GA
Like any other rules, auto insurance in Georgia sets a minimum amount of auto insurance. The liability policy is required by the states and the coverage will only apply to the person whose name is indicated on it. As compared with other states in the US, Georgia has the highest least amount of liability coverage required to drivers.
The minimum liability auto insurance coverage in Georgia are:
- $25,000 Bodily Injury Liability limits of per injured person up to a total of
- $50,000 per accident, and
- $25,000 Property Damage Liability coverage
Although auto insurance in Georgia does not require collision and comprehensive coverage, drivers will need this coverage to pay the cost of repairing his/her vehicle. Other than paying the cost of vehicle repair of the victim, the insured should also think of his/her needs after the accident. Collision and comprehensive coverage can ease the financial burden of shelling out money for this. In case you got your car damaged because an animal immediately crossed the road, this coverage will still pay for the vehicle repair.
Worst case scenario that can happen to a driver is to get hit by a vehicle that is not insured. If collision and comprehensive insurance will pay the vehicle cost, uninsured/underinsured will take care of your medical expenses. You can also use this when the at-fault driver does not have sufficient auto insurance coverage to pay the total amount of costs.
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.
Cheap SR22 Auto Insurance For Older Cars
Q: My car is old, but I still need it and my premium’s are still high. How can I get cheap SR22 auto insurance on this older car?
A: Good question. When you have an old car, you have to take into consideration a couple of things. First of all, what kind of safety features does it have? Even the basics such as seat belts and air bags will save you money, but if you can have anti lock disc brakes installed as well, that’s another good step.
Second of all, how much is it worth? Check Kelley’s Blue Book and see. If your car values less than a thousand dollars, then it’s time to cut off the fat. A thousand dollar car doesn’t need comprehensive or collision insurance, and you can get by fine with just the minimum liability. Otherwise, you’ll be spending more each year on your supposedly cheap SR22 auto insurance than you would get back if you just sold the thing.
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.
Loading ...