Auto Insurance Minimum Requirements
Georgia requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Georgia is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Important Notes
Georgia law mandates real-time electronic transmission of coverage status via the GEICS system.
Uninsured / Underinsured Motorist
Must be offered matching chosen liability limits; can be rejected in writing.
SR-22 Filings
Required for 3 years following license reinstatement for DUI, driving without insurance, or points accumulation.
Alternatives to Insurance
A cash deposit or corporate surety bond of $75,000 filed with the state.
Fine
$200–$1,000
License / Registration
Suspension: Yes (60 days)
SR-22 Required After
Yes
What is the minimum car insurance required in Georgia?
Georgia requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Georgia a no-fault state?
No, Georgia is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Georgia?
Uninsured motorist coverage is not required in Georgia, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Georgia?
Driving without insurance in Georgia can result in fines of $200–$1,000 and license/registration suspension (Yes (60 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Georgia?
SR-22 filings are used in Georgia for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following license reinstatement for DUI, driving without insurance, or points accumulation.
What does 25/50/25 mean in Georgia?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Georgia Department of Revenue
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.