Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you want) required by law to drive on our. Motor vehicle owners and renters are required by law to maintain ongoing Georgia Liability Insurance coverage for vehicles with active records. Driving a vehicle while the license plate is suspended, revoked or canceled is a criminal offence. Additional penalties will apply if you are convicted of driving a vehicle with suspended or canceled license plates.
If you are stopped, even if you have proof of insurance, it must match the system information. In a no-fault state, coverages will vary, but under a no-fault system, your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Texting and driving in Georgia is illegal for all drivers and novice drivers are not allowed to use their phones while driving. The minimum limits of liability in Georgia may not be sufficient to protect you from financial repercussions in the event of an accident.
In addition to Georgia's minimum liability requirements, drivers who lease their cars may need to consider their leasing company's rules on car insurance. Your driving history, the area you live in, gender and age, marital status, previous insurance coverage, vehicle use, and the make and model of your vehicle are common factors that can affect the price you will pay for your car insurance. If you are injured in a car accident in a no-fault state, you must turn to your own auto insurance coverage for the payment of medical bills and other losses out of pocket, regardless of who caused the accident. These prices are only estimates based on fares for an average Georgia driver and should not be used to compare insurance prices.
You can learn more about auto insurance, coverage options, and more by reading the Guide to Auto Insurance, created by Georgia Insurance and Fire Safety Commissioner John F. Georgia insurers must electronically report insurance information, including terminations, extensions and removals of vehicles from existing policies to the Department of Revenue. If, instead, you're looking for a policy that balances quality with affordability, MoneyGeek also ranked the top auto insurance companies in Georgia. This is why the amount of car insurance you need should depend on your personal factors, such as your driving history and financial stability, along with external factors, such as the number of uninsured drivers in the state.
For more information on Georgia's auto insurance rules and requirements, directly from the state, see the Georgia Department of Insurance's auto insurance information page. If you have a complaint about your insurance provider or agent, or how a claim is handled, the Department of Insurance's Division of Consumer Services can help. Once you've selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make sure you're getting your money's worth. Georgia also uses a database, the Georgia Electronic Insurance Compliance System (GEICS), to verify insurance information.