Georgia (GA) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $25,000
- Bodily injury per accident
- $50,000
- Property damage
- $25,000
25/50/25.
At-fault state Whoever caused the crash pays, through their liability coverage.
What else is required
PIP (personal injury protection): Not required
Optional add-on, even though some older sources say otherwise.
Uninsured motorist: Not required
Optional, but it has to be offered.
Teen and new driver notes
Because Georgia tracks coverage electronically, even a short gap can show up. Don't let a policy cancel before the new one starts.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Georgia checks insurance electronically in real time, so a lapse gets flagged fast. Penalties can include fines and a suspended registration.
Penalty schedules change and vary by county. Confirm current fines with the Georgia Office of Commissioner of Insurance before relying on this for a specific situation.