Georgia Auto Insurance

Insurance is often considered to be a troublesome expense. While some insurance coverage is optional, it is important to point out that auto insurance isn’t. Each state requires differing auto insurance minimum coverage levels for each driver to carry. As a Georgia state driver, be sure to review the legally required coverage to ensure that your current policy is in compliance.

What Auto Insurance Coverage does Georgia Require?

Georgia residents must have proper and adequate insurance coverage when it comes time to register their vehicles. The state requires all drivers to carry at least a minimum level of liability coverage; comprehensive coverage is optional. The minimum acceptable liability coverage is $25,000 per person for bodily injury, $50,000 for total personal injuries resulting from an accident, and $25,000 per accident for property damage. These requirements are set in place to help ensure the safety of those involved in any accident to protect from possible damages.

In addition to the minimum level of insurance requirements, another consideration should be taken when driving in the state of Georgia. The state follows a Tort system, which in simple terms means that drivers aren’t required to carry personal injury protection or optional coverage such as uninsured motorist coverage. In the event that an uninsured motorist is in an accident with your vehicle, you would be 100% responsible for any damage occurring within your car, and possibly theirs.

In a Tort system, if the driver is found to be at fault, they can personally be held liable for any and all financial damages that result from the accident. For this reason, financial experts recommend that Georgia drivers carry comprehensive, not liability coverage when on the roads. The National Insurance Information Institute has currently put out the recommendation that all drivers carry at least $100,000 in bodily injury protection per person and a total per accident coverage level of $300,000.

Obtaining Georgia Auto Insurance Quotes

Online resources can help to find a provider in the fastest way since so many options can be looked at in a relatively short amount of time. This is a great advantage over the old way of calling around and spending all day talking to an agent to find the best coverage. By using the online route, shoppers can find the cheapest and most dependable coverage while comparing multiple quotes at once. This will help to eliminate some of the stress that can come with dealing with insurance companies. When obtaining insurance quotes, keep in mind that Georgia permits insurance companies to utilize your personal credit information when providing quotes. This means that drivers with poor credit ratings will be offered on average higher auto insurance quotes.

Driving without auto insurance within the state of Georgia is against the law. You must obtain at least the minimum level of liability coverage to drive legally on the state’s roads

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