States
Georgia minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Georgia minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-03. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Georgia's Insurance Commissioner lists the minimum liability limits as $25,000 per person and $50,000 per incident for bodily injury and $25,000 per incident for property damage, and the office's auto guide writes them as 25/50/25. Physical damage cover is not required by law, though a lender or leasing company usually requires it. The Department of Revenue enforces the rule through the registration: owners must keep continuous Georgia liability insurance on any actively registered vehicle, and a gap of 10 days or more between two policies counts as a lapse. Each lapse brings a $25 fine, up to $160 more if that fine is not paid within 30 days, and suspension or revocation of the registration. Driving while the registration is suspended is a criminal offense. For a car that is off the road, the department says to cancel the registration before cancelling the insurance. The commissioner's guide adds that a company cannot non-renew a policy held three years or more over a single claim, even one where you were at fault.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Georgia
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Georgia.
What else we read for Georgia
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | A $25 fine for any lapse while the vehicle is registered, up to $160 more if that fine is not paid within 30 days, and suspension or revocation of the registration. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.