Georgia Auto Insurance Requirements and Coverage - Atlanta
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In Georgia, you are required to have liability insurance to help pay for injuries or damages you might cause to someone else as a result of a car accident. You will need to have proof of insurance to register your car in Georgia.
The minimum required coverage limits in Georgia are:
Bodily injury liability
- $25,000 per person.
- $50,000 for multiple people in an accident.
Property damage liability:
- $25,000 for one incident.
Optional Car Insurance
Most GA car insurance companies also offer additional coverage. When comparing quotes, ask about the following optional types of insurance:
- Collision – This coverage will pay for damages to your car due to traffic accidents.
- Comprehensive – This coverage will pay for non collision-related damages to your vehicle, such as damages incurred due to vandalism.
- Medical and funeral services.
- Uninsured drivers.
Driving Rules for Older Drivers
People 59 and older must renew their license every five years, instead of every eight. Also, anyone 64 and older must pass an eye exam with every renewal, a requirement that began in 2005.
Car Insurance Rates in Georgia
Car insurance rates vary by individual.
Georgia car insurance companies will factor in the following to determine your car insurance rates:
- Your driving record.
- Your car insurance claim history.
- The make and model of your car.
- Your age.
- Your gender.
- Your marital status.
- Your credit history.