Car Insurance Liability Requirements in Georgia
Minimum Liability Limits in GA: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Georgia
Auto Insurance Coverage Requirements in GA [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Georgia
Insurer Verification of Auto Insurance in GA [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Georgia Car Insurance Facts, Estimates & Related Laws
Georgia Car Insurance Facts
Average Car Insurance Rates in GA
Georgia had the 20th highest auto insurance rates in the nation in 2010.
[ 2] Rates in GA ranked 21st in the nation in 2009.
[ 2] In 2008, GA had the 21st highest rates in the country.
Number of Auto Insurance Policies in GA
Georgia ranked 9th in the nation in auto insurance policies in 2011 with a total of 6,963,952.
Uninsured Motorist Rate in GA
The uninsured motorist rate in GA ranked 13th in the nation in 2009.
Georgia Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Georgia Automotive Laws
Safety Belt Laws in GA
Safety belt laws have been in place since 1988 and apply to drivers/passengers 8 through 17 years in all seats; 18+ years in front seat.
[ 7] Child restraint law in place for 7 years and younger and 57 inches or less.
Motorcycle Helmet Laws in GA
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in GA
Renewal cycle: 5 or 8 years
Georgia Auto & Driver Facts
Georgia Automotive Facts
Speed Limits in GA
Rural interstates: 70 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 65 mph
Motor Fuel Consumption in GA
Georgia cities collectively ranked 8th in the nation in total motor fuel consumption in 2011.
Georgia Licensed Drivers
Licensed Drivers in GA [ 10]
Total Drivers: 6,505,690
GA has the 11th most drivers in the U.S.
Minimum Driving Age in GA [ 5]
Georgia has a minimum driving age of 15 years.
Georgia Auto Registrations
Auto Registrations in GA [ 8]
Registered Cars: 3,430,165
Registered Trucks: 3,876,723
Registered Motorcycles: 199,620
Total Registrations: 7,533,735
Rank: Georgia ranked 10th in the United States in total auto registrations in 2011.
Additional information about Georgia
Georgia has a population of approximately 9,687,653, which ranks 8th in the U.S. among all states.
More about Georgia auto insurance
For more information about auto insurance in GA, or for additional resources regarding
Georgia car insurance, visit the Georgia Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration