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Posted by on February 3, 2023

The Basics Of Auto Insurance In Georgia

There are a lot of things to consider when it comes to auto insurance in Georgia. From minimum required liability coverage to customizing your policy to fit your needs, it’s important to have all the details straight. In this blog post, we will take a look at the basics of auto insurance in Georgia and help you get started on finding the right coverage for you and your vehicle. We’ll also discuss some common questions and misconceptions about auto insurance, so that you can be confident with your decision-making process.

What is Auto Insurance?

Auto insurance is a legallyrequired insurance policy that protects drivers and their vehicles from financially loses caused by accidents. In Georgia, minimum liability coverage is required by law at $25,000 per person and $50,000 per accident. Additionally, Georgia law requires that all drivers have personal injury protection (PIP) coverage of at least $10,000 for each person in the vehicle.

If you are involved in an auto accident, it is important to know your rights and what to do if you are injured. The following are some tips to help ensure a smooth recovery after an auto accident:

1. Always carry proof of insurance when driving. This can include your policy certificate, registration card, or driving record.

2. If you are involved in an accident and the other driver does not have insurance, be prepared to provide documentation of your financial responsibility such as a copy of your loan agreement or lease agreement.

3. If you are unable to drive due to injuries sustained in the accident, do not attempt to leave the scene without speaking with a police officer first. Many states have laws that allow victims of accidents greater rights if they cannot prove negligence on the part of the other party.

4. If you are involved in an auto accident and believe that the OTHER driver was at fault, remain calm and contact your insurance agent or lawyer immediately. Auto insurance policies vary greatly from company to company so it is important to speak with an expert

How does Auto Insurance work?

Auto insurance in Georgia works a little differently than most states. Your auto insurance policy will cover you no matter who was at fault in an accident. This is known as “no-fault” car insurance. If you are involved in an accident and the other driver’s insurance covers them, your auto insurance will still cover you.

If someone is at fault for an accident, their insurance company will usually pay for damages to your vehicle and any injuries that you may have sustained as a result of the accident. You will then be responsible for paying any fines or court costs that were associated with the accident.

Basic liability coverage (auto insurance) provides protection against lawsuits filed by others who may claim they were injured due to something that you did while driving your car. This coverage includes property damage, bodily injury, and death claims. It does not cover damages to your car if you were stopped at a stoplight and another driver ran into you from behind.

Types of Auto Insurance

Auto insurance is a necessity for anyone who owns or uses a vehicle. There are different types of auto insurance, depending on what you need it for.

Basic liability insurance covers you if someone is injured while driving your car. This type of insurance is usually required by the state in which you live. Collision coverage pays for damages to your car when it hits another vehicle, regardless of who was at fault. This type of insurance is usually required by the state in which you live. Comprehensive coverage protects you from financial losses caused by things like theft, vandalism, and natural disasters. It also includes medical payments coverage, which provides money to pay for medical expenses if you are involved in a crash that causes injury or death.

What are the benefits of Auto Insurance?

The Basics of Auto Insurance in Georgia

If you operate a motor vehicle on Georgia public roads, you are required to have auto insurance. This coverage protects you and others who may be involved in an accident with your vehicle. You are also responsible for obtaining uninsured/underinsured motorist coverage if you are driving a car that is not covered by your standard auto insurance policy.

Auto insurance in Georgia covers damages that occur as the result of an automobile accident, including medical expenses, lost wages, and property damage. The minimum amount of coverage required by law is $15,000 per person/$30,000 per accident. The maximum amount of coverage that you can carry is $250,000 per person/$500,000 per accident. If applicable, credit card fraud protection and personal injury protection may also be included within your auto insurance policy.

The cost of auto insurance varies depending on your driving record and the type of automobile that you own. The online resources at GeorgiaDOT provide estimates for various types of coverage. It is important to compare rates before enrolling in a policy to ensure that you are getting the best deal available. Most companies offer discounts for customers who purchase comprehensive or collision policies.

How much does Auto Insurance cost?

Auto insurance in Georgia can be expensive. The state requires drivers to have $10,000 per person in liability insurance and $20,000 per accident for property damage. This means that the average cost of auto insurance in Georgia is about $800 per year. Drivers who live in a designated high-risk zip code pay an additional premium.

Is Auto Insurance mandatory in Georgia?

In Georgia, auto insurance is mandatory for all drivers. This means that unless you have a valid exemption, you will be required to carry at least $10,000 in liability insurance per person and $20,000 per occurrence. In addition, your vehicle must be registered in your name and have proof of ownership (like a title) in order to be insured.

It is important to note that there are several exemptions to the Auto Insurance law in Georgia. These include:
-drivers under the age of 18 years old are exempt from having auto insurance if they are riding with a parent or legal guardian who has insurance;
-vehicles used for agricultural purposes are not required to have auto insurance;
-a student driving a school bus is also exempt from having auto insurance; and
-vehicles used for business purposes (such as delivering newspapers or delivering goods) are also exempt from having auto insurance.


The purpose of this article is to provide the reader with some basic information about auto insurance in Georgia. I hope that it has given you a better understanding of what coverage is available to you and how we can help you protect yourself if something unfortunate happens while you are driving your car. If you have any questions or would like more information, please don’t hesitate to contact our office. Thank you for reading and I hope that this article has been helpful.