Georgia Insurance Overview
Whether you're new to Georgia or reviewing your current coverage, understanding state requirements helps you make informed decisions.
Auto Insurance in Georgia
Minimum Requirements
Georgia law requires drivers to carry:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
These minimums cover damage you cause to others—not your own vehicle or injuries.
Beyond the Minimum
Many drivers choose higher limits because:
- Medical costs can quickly exceed $25,000
- Vehicle repairs are expensive
- A lawsuit could put your assets at risk
Additional coverage options include:
- Collision coverage
- Comprehensive coverage
- Uninsured motorist protection
Renters Insurance in Georgia
Not Required by Law, But...
While Georgia doesn't legally require renters insurance, many landlords require it in your lease. Even if yours doesn't, it's worth considering:
- Georgia sees severe weather (tornadoes, thunderstorms)
- Theft happens, even in safe neighborhoods
- Liability protection covers you if someone is injured in your rental
Homeowners Insurance in Georgia
What to Consider
Georgia homeowners should be aware of:
- Weather risks: Severe storms, tornadoes, and occasional hurricanes near the coast
- Flood zones: Standard homeowners policies don't cover flooding
- Replacement costs: Building materials and labor costs vary by region
Local Resources
Georgia Department of Insurance: oci.georgia.gov
Questions About Your Coverage?
Understanding requirements is just the first step. When you're ready to review your specific situation, a licensed agent can help you find the right coverage for your Georgia household.