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Georgia auto insurance and minimum liability limits

Last updated . Sources checked

Contents
  1. What liability insurance does
  2. The vehicle owner's own losses
  3. Other coverage questions
  4. Distinguishing coverage limits from registration fees
  5. Related entries
  6. References
Georgia auto insurance and minimum liability limits
Bodily injury, one person$25,000 minimum[1]
Bodily injury, one incident$50,000 minimum[1]
Property damage, one incident$25,000 minimum[1]

Georgia requires liability insurance for vehicles subject to the statutory requirement. The state insurance regulator states minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury per incident and $25,000 for property damage per incident. These are coverage limits, not promises about the value or payment of a claim.[2][1][3][4]

What liability insurance does

Liability insurance helps pay covered damages to others on the insured's behalf when the insured is at fault. The injury limit for one person and the overall incident limit serve different purposes. The incident limit is not an additional amount payable to each injured person on top of the individual limit. Higher coverage limits may be purchased.[1]

The vehicle owner's own losses

The regulator distinguishes liability insurance from collision and comprehensive coverage for the policyholder's vehicle. Physical-damage insurance is not required by Georgia law, although financing or lease terms usually require it. A policyholder can seek payment under applicable physical-damage coverage even if someone else may have caused the crash.[1]

Other coverage questions

Uninsured motorist coverage is addressed by a separate statute, which includes written rejection and coverage-selection rules. A declaration that a driver has the required liability insurance does not identify all UM rights. The policy declarations and applicable selections matter when determining which protection was actually purchased.[4]

Distinguishing coverage limits from registration fees

The 2026 signed insurance legislation, HB 1344, includes changes to insurance lapse and registration restoration fees in Part X. Its effective-date provision schedules those changes for January 1, 2027. Those registration fees are different from the liability coverage amounts discussed above. A future fee change should not be reported as a new minimum bodily-injury policy limit.[5][1]

References

  1. abcdefg Auto insurance: Georgia coverage requirements. Georgia Office of Commissioner of Insurance and Safety Fire. https://oci.georgia.gov/insurance-resources/auto. official. Checked . Source record
  2. ^ O.C.G.A. 33-34-4: required liability insurance. Justia. https://law.justia.com/codes/georgia/title-33/chapter-34/section-33-34-4/. independent. Checked . Source record
  3. ^ O.C.G.A. 40-9-37: liability policy minimum cross-reference. Justia. https://law.justia.com/codes/georgia/title-40/chapter-9/article-2/section-40-9-37/. independent. Checked . Source record
  4. ab O.C.G.A. 33-7-11: uninsured motorist coverage. Justia. https://law.justia.com/codes/georgia/title-33/chapter-7/section-33-7-11/. independent. Checked . Source record
  5. ^ 2026 HB 1344: signed insurance legislation. Office of the Governor of Georgia. https://gov.georgia.gov/document/2026-signed-legislation/hb-1344/download. official. Checked . Source record