Georgia Car Insurance Laws

Welcome to the Peach State! If you're a Georgia driver, there are a few things to know about staying legal on the roads. The first? Driving without auto insurance in Georgia is illegal. Luckily, Direct Auto Insurance offers the amount of coverage necessary to stay legal on the roads.

Georgia Car Insurance Requirements

Georgia law requires the following to drive legally in the state:

  • Financial responsibility on all registered vehicles
  • Proof of insurance in all registered vehicles
  • Bodily Injury Liability Coverage of at least $25,000 to cover injury to or death of one person from an auto accident, and at least $50,000 to cover injury to or death of more than one person from an auto accident
  • Property Damage Liability Coverage of at least $25,000 to cover damage to the property of others caused by an auto accident

Your insurance company is required by law to offer you uninsured motorist coverage (UM) at the same limits as your liability coverage. You can choose to reject UM coverage, but this must be done in writing.

Georgia Motorcycle Insurance Laws

If you ride a motorcycle in the state of Georgia, you are required to have the same liability coverage that is required for car insurance. In addition to this liability coverage, you may wish to also purchase Motorcycle Guest Passenger Liability (GPL) coverage.

Not all motorcycle insurance policies cover passengers. In order to cover your passenger in the event of an accident that you are found to be liable for or legally at fault, you must purchase GPL coverage.

If you have more questions about motorcycle or auto insurance laws in Georgia, please contact a knowledgeable Direct Auto Insurance agent at 1-877-GO-DIRECT (1-877-463-4732) or speak to one in person at a Direct Auto location in Georgia.