Georgia Auto Insurance Policy Requirements

Q: What is in a basic Georgia auto insurance policy?
A: Your Georgia auto insurance policy may be made up of these main kinds of coverage:

  1. Liability Coverage
    1. Because property and people comprise separate insurance concepts, liability insurance is divided into these two kinds of coverage:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is mandatory in the state of Georgia. All legal drivers must possess a valid driver’s license as well as this minimum liability coverage in your auto insurance policy:
      1. 25/50/25” (Georgia ‘s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to more than one person.
      4. $25,000 for damage to property.
    3. When a vehicle is leased rather than owned, the liability minimums are different.
  2. Collision Coverage is absolutely necessary only when the vehicle is financed (i.e. you have not fully paid for it). Otherwise, if the vehicle has been paid for, then collision is simply a recommended but optional addition to your Georgia auto insurance policy.
  3. Comprehensive Coverage is only absolutely necessary if the vehicle is currently financed. Otherwise, if the vehicle has been paid for, then comprehensive is an optional addition to a Georgia auto insurance policy.
  4. Medical Payments Coverage is definitely recommended, though not required, for a Georgia auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is another recommended yet optional part of your insurance policy in Georgia.
  6. Personal Injury Protection (PIP) Coverage is not required by law on your Georgia auto insurance policy.
  7. Other Auto insurance Policy Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Georgia a No-Fault state?
A: No, Georgia is not a state that uses no-fault insurance.

Q: How can I get a discount on a Georgia auto insurance policy?
A: In the state of Georgia there are several ways to procure discounts on auto insurance policies. See our list of auto insurance discounts to see if you qualify.

Q: Where can I find more information about Georgia auto insurance?
A: Please consult these reliable internet resources for more information on Georgia insurance:
  1. Georgia Insurance Resources
    1. The Georgia Department of Driver Services (DDS) administers licensing and registration of vehicles, driver’s license services, and drivers training.
    2. The website of the Georgia Insurance and Fire Safety Commissioner includes a helpful FAQs page for automobile insurance.
  2. National Insurance Resources

The grand land of peaches is home to many options in auto insurance, and a CLICKinsure agent is ready to help. From the Georgia Mountains to the Coastal Plain, and from Hog Hammock to Mount Etonah, we proudly serve the 159 counties of Georgia, including the beautiful cities of Atlanta, Augusta, Savannah, Columbus, Macon, Athens, Gainesville, Albany, Dalton, Warner Robins, Valdosta, Brunswick, Rome, Hinesville, LaGrange, Statesboro, Dublin, Milledgeville, Waycross and Calhoun. Choose CLICKinsure as your auto insurance broker for the state of Georgia.