Georgia Auto Insurance

Drivers in the state of Georgia are required to carry auto insurance on them in their cars. They can face some strict penalties if they don't follow this law. But it's not just the law – insurance also helps protect your vehicle and your finances in case of a crash, expensive repair bills, or medical bills as well.

Minimum Georgia auto insurance

Georgia drivers have to maintain a relatively high amount of coverage, in the following amounts:

• Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
• Property Damages: $25,000

Even though Georgia drivers need to keep high amounts of coverage, there is still some good news : The premium costs for purchasing auto insurance coverage in the state do tend to be somewhat lower than in other states.

Penalties for driving without Georgia auto insurance

Georgia insurance companies are required to keep in contact with the Motor Vehicle Division or MVD, and let them know if a driver's insurance lapses. A driver who does not renew insurance can have his or her vehicle registration suspended if new insurance isn't purchased within the next month or if the vehicle has no coverage for 10 days.

A repeat offense can cause a driver's registration to be suspended for 90 days in the second offense, and for 90 days in the third event.

Drivers also face more liability in Georgia because the state uses a tort system for accidents. If there is an automobile crash, one of the drivers must be found at fault, and that driver is liable for all the expenses for medical bills and damages to the cars in the incident.