Georgia Auto Insurance Guide

Are you looking for information about getting auto insurance in Georgia? The Peach State consistently ranks in the top 10 for average accidents per state, which makes a good auto insurance policy all the more important. Read on and learn everything you need to know about auto insurance in Georgia!

Georgia Insurance Regulations

Like every other state, auto insurance laws in Georgia require every registered vehicle to meet the minimum insurance standards. Georgia's Department of Revenue monitors your insurance coverage in conjunction with your provider. If your policy lapses for over 10 days, you could be charged with a fine of $25 and have your registration suspended. Failing to purchase new auto insurance coverage could lead to more fines and tougher penalties.

Mandatory Minimum Coverage in Georgia

The required auto insurance coverage in Georgia adheres to the 25/50/25 benchmark:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

Motorcycle Coverage Requirements

Georgia uses the same auto insurance requirements for motorcycles and traditional vehicles. However, since motorcycle accidents have a much higher injury rate, we'd highly recommend that your policy goes above the state minimum.

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

Georgia Auto Insurance Advice

When it comes to auto insurance in Georgia, residents typically pay near the national average for their policies. The state is known for their stiff penalties and stringent enforcement of auto insurance laws though. Since the Department of Revenue actually monitors your auto insurance coverage, law enforcement can easily find out if you're driving uninsured. That's why it's so important that you at least maintain the state's minimum auto insurance requirements. Failing to keep up with your policy could really cost you and lead to the suspension of your registration or driver's license. Don't forget to contact the state if you change insurance providers so that your information stays up to date.