Georgia Car Insurance
Georgia drivers must carry at least 25/50/25 liability coverage under O.C.G.A. § 40-6-102. Georgia is a traditional tort state (no-fault PIP was abolished in 1991)4. UM and UIM must be offered under O.C.G.A. § 33-7-11; written rejection is required to decline1. Georgia's UM default is add-on (excess): UM pays in addition to the at-fault driver's liability unless the policyholder affirmatively elects reduction-by-payment coverage1. GEICS verifies coverage electronically under O.C.G.A. § 40-5-7135.
YesWeSure Bottom Line
What the law requires. 25/50/25 liability under O.C.G.A. § 40-6-10. This is a floor, not a recommendation2.
What makes Georgia unusual. The default UM structure is add-on, not reduction-by-payment. In most states, UIM reduces by the amount paid under the at-fault policy. In Georgia, UIM stacks on top unless the policyholder affirmatively chooses otherwise. This materially changes the calculus of buying UM/UIM here1.
How Georgia verifies coverage. GEICS is a continuous database-first system that detects lapses automatically. Insurers report policy initiation and cancellation to the state35.
How to make a real decision. Treat 25/50/25 as a floor. For how to raise limits intelligently, see how to choose coverage limits. For the rating landscape, see how insurers calculate rates.
State requirements at a glance
What Georgia car insurance law requires
Minimum liability limits
25 / 50 / 252
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under O.C.G.A. § 40-6-10.
Personal Injury Protection (PIP)
Not required (abolished 1991)4
Georgia abolished no-fault PIP in 1991. The state is a traditional tort state. MedPay is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must be offered; reject in writing1
O.C.G.A. § 33-7-11 requires every personal auto policy to include UM/UIM unless the named insured rejects the coverage in writing. Minimum limits if purchased are 25/50 bodily injury.
Add-on vs reduction-by-payment UM
Add-on (excess) is Georgia default1
Georgia's default UM structure under O.C.G.A. § 33-7-11 is add-on: UM/UIM pays in addition to the at-fault driver's liability. The policyholder may affirmatively elect a reduction-by-payment form instead.
Coverage verification
GEICS electronic reporting3
The Georgia Department of Revenue runs GEICS, an electronic verification system under O.C.G.A. § 40-5-71. Insurers report policy initiation and cancellation; lapses can trigger registration suspension and fines.
Rate approval regime
Office of Commissioner of Insurance oversight4
Georgia does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
The 25/50/25 minimum: what it actually covers
O.C.G.A. § 40-6-10 compels every registered Georgia vehicle to carry 25/50/25 liability2. The three numbers refer to:
- $25,000 bodily injury per person. The maximum your policy pays for one injured person's medical bills, lost wages, and related bodily-injury costs when you are at fault.
- $50,000 bodily injury per accident. The maximum your policy pays across all injured people in one accident when you are at fault.
- $25,000 property damage per accident. The maximum your policy pays to repair or replace someone else's vehicle or other property.
Many Georgia drivers carry higher limits.
PIP is not required (abolished 1991)
Georgia abolished no-fault PIP in 1991. First-party medical bills flow through health insurance (or MedPay if purchased). In Georgia, UM/UIM are the practically important first-party decisions.
Uninsured / Underinsured Motorist (UM/UIM): add-on default
O.C.G.A. § 33-7-11 requires every Georgia personal auto policy to include UM/UIM unless the named insured rejects the coverage in writing1.
Georgia's default UM structure is add-on (excess), which is unusual among U.S. states. Under add-on, UM/UIM pays in addition to the at-fault driver's liability limits. Under the alternative reduction-by-payment structure available in Georgia only when the policyholder affirmatively selects it, UM/UIM is reduced by what the at-fault policy pays. For a $25,000 at-fault driver and $100,000 Georgia UIM, add-on produces up to $125,000 in combined recovery; reduction-by-payment produces up to $100,000. This difference matters most on serious-injury claims.
GEICS: Georgia Electronic Insurance Compliance System
The Georgia Department of Revenue runs GEICS under O.C.G.A. § 40-5-71. Insurers report policy initiation and cancellation to the state; GEICS detects lapses continuously35. A confirmed lapse can trigger registration suspension and fines.
Rating-factor landscape
Georgia does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors. Rating is overseen by the Georgia Office of Commissioner of Insurance through filings4.
Where the Georgia situation rules live on YesWeSure
This State Guide owns the Georgia pricing and legal framework. Situation-specific Georgia mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Georgia SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. GEICS-driven consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Georgia. New-resident registration and GEICS enrollment are treated in our moving-to-another-state guide.
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Common questions
What is the minimum car insurance required in Georgia?
25/50/25 liability under O.C.G.A. § 40-6-102.
Is PIP required in Georgia?
No. Georgia abolished no-fault in 1991. MedPay is an optional first-party add-on4.
Is UM/UIM required in Georgia?
UM and UIM must be offered on every policy under O.C.G.A. § 33-7-11; written rejection is required to decline. Georgia's default is add-on (excess) UM, which pays in addition to the at-fault driver's liability1.
Sources & methodology
- O.C.G.A. § 33-7-11: Uninsured Motorist coverage required on every personal auto policy unless the named insured rejects in writing; add-on (excess) UM is the Georgia default. (Georgia General Assembly (via Justia Codes))
- O.C.G.A. § 40-6-10: minimum motor vehicle liability insurance requirements on every registered Georgia vehicle; 25/50/25. (Georgia General Assembly (via Justia Codes))
- O.C.G.A. § 40-5-71: Georgia Electronic Insurance Compliance System (GEICS). (Georgia General Assembly (via Justia Codes))
- Georgia Office of Commissioner of Insurance: Automobile Insurance Consumer Guide. (Georgia Office of Commissioner of Insurance)
- Georgia Department of Revenue: GEICS electronic insurance compliance system. (Georgia Department of Revenue)
- YesWeSure: Car insurance after an accident (YesWeSure)
- YesWeSure: Car insurance after a DUI (YesWeSure)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure)
- YesWeSure: Car insurance when moving to another state (YesWeSure)
- YesWeSure: How to choose coverage limits (YesWeSure)
- YesWeSure: How insurers calculate rates (YesWeSure)
Every claim on this page traces to a source listed above. No Tier 2 or Tier 3 publisher figures appear on this page. Every legal number traces to a Georgia primary source: O.C.G.A. §§ 33-7-11, 40-6-10, and 40-5-71. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .