Georgia- Auto Insurance

Drivers are required to carry auto insurance across the country. But regulations on coverage minimums, liability insurance and required documentation can vary from state to state.

Guidelines

  • Georgia is not unlike most jurisdictions. If you drive a car, you must have it insured.
  • Georgia’s Department of Revenue requires auto insurance companies to provide your policy information. The state monitors whether your policy is current through a database. You are allowed to visit the Department’s database to make sure the information about you on file is accurate.
  • You should carry proof of insurance in your car. If your company does not provide you with a proof of insurance card, ask for one or make a copy of your policy’s declarations
  • A lapse in Georgia is only 10 days. In the case of lapse of coverage, you will be fined $25, plus a $60 reinstatement fee to make your registration valid. If you fail to rectify the situation and you drive with a suspended registration, you’re committing a misdemeanor and could face additional fines and impoundment.
  • In Georgia, minimum liability coverage is $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more persons, and $25,000 per accident for property damage.
  • Some drivers are eligible for exemptions from insurance coverage requirements or lapse fees, if the vehicle was sold, if the lease expired, if the owner moved out of state, if the vehicle was salvaged, or if the vehicle is stored. Members of the military also may be eligible.

Contact:

Georgia Dept. of Insurance
2 Martin Luther King, Jr. Dr.
West Tower, Suite 716
Atlanta, Georgia 30334
Phone: 1-404-656-2070
Toll Free: 1-800-656-2298

Web Site: www.inscomm.state.ga.us/INSURANCE

 Georgia (GA) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $1000 and jail term up to one year

Inside Georgia- Auto Insurance