Georgia Auto Insurance

Requirements for Georgia auto insurance are a bit higher than most states, at $25,000 per person and $50,000 per incident for bodily injury liability insurance and $25,000 for property damage liability insurance, according to the official Georgia state insurance website.  Though that’s still not a realistic amount to cover your personal assets, it’s good to know that if you are in an accident with an insured motorist, there’s at least that much coverage you can count on.

Georgia doesn’t require personal injury protection (PIP) or uninsured/underinsured motorists like some other states, but both are still good ideas to have as part of your auto insurance coverage.  If your car is financed, your lender will probably require you to also carry comprehensive and collision coverage, so that if there’s an accident that’s your fault, if the car gets stolen, or even if a tree falls on it, you’re covered. 

As you’re shopping for auto insurance in Georgia, if your budget allows, spring for a few extras in the policy such as towing insurance coverage and loss of use, which will help pay for a rental car if your vehicle is in the shop due to a covered event, like an accident (sorry, it won’t pay just because your car broke down). 

Car insurance companies in Georgia look for pretty much the same things as companies in other states – good driving records, type of vehicle, credit scores, so make sure you make smart choices in each of those areas.  Make sure you compare quotes from at least 3-4 companies too before making your final decision on Georgia auto insurance.