What Kind of Car Insurance Do I Need in Georgia?

In Georgia, you are required to have liability insurance to legally drive. Georgia is an at-fault state for car insurance. As of 2026, Georgia’s minimum insurance requirements for drivers are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per incident, and $25,000 for property damage liability per incident.

As a Georgia driver, your liability coverage pays for injuries and property damage that you cause to others. It doesn’t cover your own injuries or damage to your vehicle unless you have additional coverage. On the other hand, if a driver slams their car into yours on Interstate 75, Interstate 85, or elsewhere in Georgia, their insurer could cover some or most of your losses.

The Atlanta car accident lawyers at John Foy & Associates can answer any questions you have about what kind of auto insurance you need in Georgia. If you want to pursue compensation from anyone liable for your auto accident and injuries, we can help you do so through an insurance claim or a personal injury lawsuit.

Optional Car Insurance Coverage to Consider

As you think about what type of car insurance you’ll need in Georgia, it’s important to assess mandatory and optional coverage.

Here are details about optional insurance that Georgia motorists sometimes purchase due to the risk of accidents:

• Uninsured/underinsured motorist (UM/UIM): This will help you pay for your medical bills and car repairs if a motorist with no insurance or too little insurance is responsible for your accident. In Georgia, insurance companies are required to offer uninsured and underinsured motorist coverage in writing, and you will have to decline it if you don’t want it.
• Comprehensive: With this coverage, you are protected financially if your car is damaged by things other than a crash, like a fire, theft, vandalism, falling objects, or weather.
• Collision: If you buy collision coverage, your insurance company will pay to fix your car if you hit another vehicle or object, regardless of who is at fault.

The team at John Foy & Associates can give you insights into different types of car insurance that drivers can purchase in Georgia. Plus, our attorneys are familiar with the car insurance claims process. If another driver caused your accident, we can help you pursue compensation from this party’s insurer.

What Will Happen if I Don’t Buy the Car Insurance I Need in Georgia?

It is against the law for drivers not to meet Georgia’s minimum requirements for auto insurance.

Because of this, if you don’t purchase the kind of car insurance coverage that you need in Georgia, you can face civil and criminal penalties, such as:

• Fines
• Driver’s license suspension
• Car tag and registration suspension
• A misdemeanor charge that can lead to a criminal conviction and a jail sentence

When it comes to what kind of auto insurance coverage you need in Georgia, err on the side of caution. Purchase the minimum coverage and optional coverages as you deem fit.

And remember, if you’re involved in a car crash and someone else is responsible, the attorneys at John Foy & Associates can represent and advocate for you as part of an insurance claim.

Georgia Car Insurance FAQs

At John Foy & Associates, we want to teach you about automobile liability insurance and other topics relating to the types of car insurance required in Georgia. Below, we’ve provided answers to three of the most common questions we get about the kinds of auto insurance that people need in Georgia.

Is Minimum Car Insurance Coverage Enough?

Unfortunately, minimum coverage can fall short if you cause an accident and another party involved needs emergency medical treatment that exceeds your policy’s limits or multiple parties in the incident suffer injuries.

As such, it can be beneficial to purchase optional coverage for these scenarios and many others.

How Much Does Optional Auto Insurance Coverage Cost?

The cost of optional car insurance coverage will depend on your policy’s deductible, your vehicle’s value, whether you live in Atlanta, Augusta, Savannah, or another densely populated city, and other factors.

Does My Car Insurance Cover Me if I’m Partly Responsible for an Auto Accident?

Whether your own insurance pays depends on the type of coverage that you purchase. Georgia’s comparative negligence rules can affect claims against at-fault drivers rather than the benefits available under your own policy.

The Bottom Line on the Kinds of Auto Insurance That Are Necessary in Georgia

If you get into a car crash on Georgia 400, Interstate 285, or somewhere else, you may wonder whether your insurance company will pay for your medical bills, vehicle repair costs, and other accident expenses. Following the incident, have the team at John Foy & Associates review your accident and explain your legal options.

Our team has more than 350 years of combined experience. We want you to understand what type of car insurance you’re required to have in Georgia. Along with this, if you’ve been injured in a car crash and another party is responsible, we are ready to help you recover damages through an insurance claim or a personal injury lawsuit.

Let The Strong Arm™ handle your auto accident case. We will commit the time and resources necessary to help you achieve your desired case outcome. To find out more, request a free case consultation.