GEORGIA AUTO INSURANCE GUIDE
Required Auto Insurance & Minimum Limits in Georgia
Georgia requires motor-vehicle liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage.
- Confirm the declarations page, covered vehicle and actual liability limits.
- Georgia auto policies include statutory UM/UIM protection unless coverage is rejected or modified as permitted by O.C.G.A. § 33-7-11.
- Georgia distinguishes add-on UM/UIM from reduced-by coverage; the election materially affects available benefits.
- Investigate household, employer, commercial, umbrella and excess coverage when additional policies may apply.
Primary Georgia Source
O.C.G.A. § 33-7-11 — Uninsured Motorist Coverage
Current-law review: September 16, 2026. Confirm the policy, limits and written UM/UIM elections actually in force on the date of loss.
VictimsGuide 