Minimum car insurance in Georgia.
What Georgia requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Georgia, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Georgia is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required.
What the minimum means in practice
Say a crash you cause injures three people. The Georgia minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Georgia
Georgia charges a $25 fine for any insurance lapse while a vehicle is registered, and unpaid lapse fines lead to registration suspension and up to $160 more after 30 days. Reinstatement costs $60, or $160 after three or more suspensions in five years.
Proof of insurance
Insurers must electronically report new coverage to the Department of Revenue within 30 days and report terminations on or before the end date, and the state treats receipt of that notice as proof.
Also worth knowing in Georgia
An owner deployed outside the continental U.S. on active duty when coverage ended can have the lapse and restoration fees waived by showing official orders.
Your state regulator
Georgia Office of Commissioner of Insurance and Safety Fire is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Georgia a no-fault state?
Georgia is generally an at-fault state.