GA LIABILITY INSURANCE: AUTO

Georgia Liability Insurance

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Minimum Liability Requirements for Georgia

25/50/25

By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

What Is Liability Insurance in Georgia?

First of all, it’s important to understand what liability insurance is in relation to automobile insurance.

Liability insurance, also known as third party insurance, is crucial in making sure you can pay for damages (bodily damage and property damage) to others, if you are found at fault in an automobile accident.

If you do not have liability insurance in place, and you are the cause of an accident, you will have to pay thousands of dollars out of pocket.

Additionally, if you are not carrying the minimum liability requirements mandated by the state that you live in, you could be penalized if you are pulled over.

Each state has their own unique requirements. You will see the requirements listed as a “split limit.”

The first figure, in the example of the split limit of 25/50/25, stands for $25,000 coverage per person for bodily injury; The 50 is for $50,000 bodily injury coverage per accident/occurrence; and the last 25 is for $25,000 property damage coverage.

Georgia liability insurance requirements are as follows:

GA Liability LimitsPersonal Injury Protection?Medical Pay?Uninsured/Underinsured?
25/50/25Not RequiredRejection FormRejection Form
Medical payments and uninsured coverage are not Georgia liability insurance requirements, but it must be offered, and if rejected, the insured must sign a rejection form.

Georgia Liability Insurance: How to Find the Cheapest Rates

If you are looking for Georgia car insurance cheap rates, liability only coverage might be the way to go.

First, determine if you insurance needs don’t require full coverage. If that’s the case, then having only the state minimum required coverage, will definitely help keep your premium as low as possible.

By dropping comprehensive and collision coverage, you could potentially lower your monthly payments.

Take a look at how some sample GA liability insurance rates compare to full coverage monthly payments.

Auto Insurance CompanyLiability Only Full Coverage
The General$86$145
Progressive Insurance$88$145
Dairyland$92$175
National General$98$152
Mendota Ins. Company$102$180
Geico$104$161
AssuranceAmerica$109$183
USAA$111$170
21st Century$117$153
Acceptance RTR$122$151
American Family$123$150
State Farm$125$146
Bristol West$126$168
Farmers$153$160
These are sample rates only as Auto insurance rates will vary greatly, and can even change based on your zip code.

Is Georgia Liability Insurance State Minimum Enough Coverage?

It is important to consider your specific auto insurance needs before going with the bare minimum required liability insurance in Georgia.

If you are someone who does not drive often, it probably is enough to only carry the minimum liability insurance in Georgia , and you shouldn’t pay for more car insurance than you need.

However, think carefully about the GA liability insurance figures. If you are at fault, and you only have liability insurance at the minimum requirements, than that means you only have $25,000 to cover the injuries for a single person. Perhaps that is enough, but it’s still a gamble, as medical bills are very expensive.

Additionally, you only have $25,000 worth of coverage for property damage. With inflation and high costs of repairing car parts, this is very likely less than what most people pay for a new car nowadays. And who’s to say your accident won’t cause damage to more than one vehicle? It’s all about assessing the risk you are comfortable taking.

Most Popular Cars/Vehicles on the RoadAverage MSRP
Honda Accord$26,120
Honda HR-V$23,000
Ford Explorer$40,000
Nissan Rogue$28,445
Jeep Wrangler$30,295
While these are just ballpark figures, it is important to consider how much vehicles cost to replace or repair when thinking about your desired property damage coverages.
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2022 Georgia liability insurance
Various Medical Costs After a Car AccidentEstimated Associated Costs and Expenses
Ambulance and Emergency Services$200-$2000
Emergency Room $1500
Testing/Scans$140-$3000
Surgery$5000-$100,000
Medication$500/month
Follow Up Doctors Visits$250/visit
Think about the costs of what it might take to cover someone’s bodily injury expenses before settling on your insurance limit.

How Do I Know If I’m Required to have more than The Minimum GA Liability Insurance?

It’s a good idea to make sure you are not in need of additional coverage for your car, before only choosing the minimum state required GA liability insurance.

What additional coverage might you need?

  • Full Coverage/Comprehensive and Collision: If you have a newer vehicle, or a vehicle that is being financed, you might want to consider adding comprehensive and collision coverage to your policy. This will help cover property damage to your vehicle regardless of who is at fault. If you have a lienholder, it might not even be optional. Most lienholders require you to have comprehensive and collision (full coverage) and will even have a required deductible.
  • Uninsured/Underinsured Motorist Coverage: While the state of Georgia won’t force you to have this coverage, it is highly recommended! This will protect you if someone hits you or causes an accident and they either do not have insurance, or sufficient liability coverage. It also covers you if you are the victim of a hit and run.
  • Roadside Assistance: If you are constantly on the road and travel far distances, you might want to think about adding towing coverage or roadside assistance to help in instances such as flat tires, breakdowns on the side of the road, locked out of the car, dead battery, etc.
  • Rideshare/Delivery Vehicle: If you use your vehicle for rideshare purposes like uber or lyft, or even food delivery, minimum liability insurance in Georgia might not be enough. If you drive for some of these companies, your insurance company might not even cover you unless you have a proper rideshare endorsement or higher liability limits.

How Do I Keep My Georgia Car Insurance Cheap?

Are you in a situation where you are required to have more than the liability limits for Georgia?

There are still multiple ways to lower your auto insurance rates.

One of the easiest ways to do so, is by adding discounts! Talk to your insurance agent now. They can help you see what discounts you could potentially be missing out on.

Auto Insurance Discounts to Keep Your Georgia Car Insurance Cheap

Georgia Liability Insurance
Talk to your agent to see if you qualify for more discounts!
Progressive Auto Insurance Discounts
Advanced Quote
Paid in Full
Auto Pay
Multi Policy
Multi Vehicle
Married
No Accidents or Violations
Continuous Insurance
Homeowners
Military
Education Discount
Paperless Discount
Dairyland Auto Insurance Discounts
Paid in Full
Auto Pay
Multi Policy
Multi Vehicle
Married
No Accidents or Violations
Continuous Insurance
Homeowners
Military
Travelers Auto Insurance Discounts
Paid in Full
Auto Pay
Multi Policy
Multi Vehicle
Married
No Accidents or Violations
Continuous Insurance
Homeowners

OTHER HELPFUL LINKS FOR GEORGIA INSURANCE NEEDS

Last Updated on by Veronica Moss