Georgia Car Insurance Laws and Regulations
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Georgia Auto Insurance

Requirements of Motorists under GA State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Georgia Car Insurance Requirements

Coverage Minimum - 25/50/25

Coverage Explanation - Car insurance coverage in Georgia must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident.

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Important Georgia Auto Insurance Laws!

1. All vehicles registered or operated in GA are required to be covered by a liability insurance policy issued through a Georgia agent with an insurance company licensed to sell in Georgia.

2. Motor vehicle owners in this state are required to obtain and keep Georgia liability insurance coverage on their vehicle(s) to legally operate them; to register and obtain Georgia license plates (tags); and to renew, replace, or transfer their existing Georgia license plates (tags).

3. Non-motorized vehicles (Trailers, campers, etc.) and vehicles exempt from registration in this state (Snowmobiles, bicycles, mopeds, all-terrain vehicles, golf carts, etc.) do not require insurance coverage.

4. Under Georgia auto insurance law, insurers must be licensed with the Regulatory Services Division of the Georgia Insurance and Safety Fire Commissioner's office (ICO) to be able to issue Georgia liability insurance policies for motor vehicles in this state.

5. Your insurer must issue you, their insured, an insurance information card for each vehicle they insure.

6. In accordance with Georgia auto insurance law your insurance information card must be carried in your vehicle at all times.

Important to Note:

Effective January 1, 2004, acceptable proof of Georgia liability insurance coverage under Georgia auto insurance law will be a valid insurance coverage indicator on your vehicle's tag record on the Department of Motor Vehicle Safety's tag and title database, GRATIS (Georgia Registration and Title Information System).

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