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What Coverage Levels are Legally Required for Georgia Drivers?

Understanding Georgia’s legally mandated auto insurance requirements is a fundamental aspect of responsible vehicle ownership. Georgia drivers must maintain minimum auto liability coverage to operate a vehicle legally. This coverage isn’t adequate for every driver. Contact Peachstate Insurance, with several locations across Georgia, to explore why opting for more than the bare minimum may be a wise choice.

Georgia’s State Minimum Liability Coverage

In Georgia, drivers must carry liability insurance to operate a vehicle legally. This insurance may help cover costs associated with damage and injuries you may cause to others in an accident. The state-mandated minimums are as follows:

• Bodily injury liability may help cover expenses related to injuries to other individuals in an accident you cause up to the policy’s dollar limits.
• Property damage liability may help cover costs related to damage to someone else’s property in an accident you are responsible for up to the policy’s dollar limits.

Georgia’s minimum insurance requirements are subject to change. Work with your agent to verify that your coverage meets or exceeds the minimum required amount of liability coverage.

Why Purchase More than Minimum Coverage?
Opting for coverage that exceeds the state’s minimum requirements may be appropriate for several reasons:

• Protection against high costs of accidents—Accidents can result in expenses that far exceed the minimum coverage limits. For instance, serious injuries can accumulate medical expenses surpassing the per-person limit, leaving you financially responsible for the difference.
• Safeguarding personal assets—In cases where the damages or injuries you cause exceed your insurance coverage, your assets may be at risk to cover the remaining costs. Higher coverage limits can offer a buffer against such financial risks.
• Complete coverage protection—Additional coverage options such as collision, comprehensive and uninsured/underinsured motorist coverage—although not legally required—may be beneficial in providing a more comprehensive protection framework. If you lease or finance a car, the lienholder can require full coverage auto insurance.

It’s essential to balance the cost of insurance with the level of risk you’re willing to assume. Every driver’s situation is unique, and what may be adequate for one might not be sufficient for another.

Contact Us
Peachstate Insurance can help you purchase appropriate auto insurance coverage. Our experienced professionals provide personalized assistance, ensuring your auto insurance meets the state’s legal requirements and aligns with your individual needs. Contact us today to start comparing auto insurance quotes.



This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.