Leif Olson, Car Insurance Writer
@leif_olson_1
The major types of car insurance are available in Georgia, including liability, uninsured motorist, comprehensive and collision insurance. Georgia requires drivers to have liability insurance, while other types of car insurance coverage are optional.
Types of Car Insurance Available in Georgia
- Bodily Injury Liability: $25,000 per person and $50,000 per incident is required to pay for other people's medical bills when you're at fault for an accident.
- Property Damage Liability: $25,000 is required so you can pay to repair or replace other people's property if it's damaged in an accident you're at fault for.
- Medical Payments (MedPay): Covers accident-related medical expenses for you and any passengers in your car.
- Uninsured Motorist: Covers medical bills and vehicle repairs if your car is hit by a driver who doesn't have any liability insurance.
- Underinsured Motorist: Covers medical bills and vehicle repairs if your car is hit by a driver who doesn't have enough liability insurance.
- Collision: Helps pay for damage to your vehicle caused by a collision with another car or with a stationary object.
- Comprehensive: Helps pay for damage to your vehicle caused by something other than an accident, like vandalism or extreme weather.
- Gap: Pays the difference between the value of your car and the balance on your lease/loan in the event of a total loss.
- Roadside Assistance: Provides assistance if your car needs a tow, jump-start, tire replacement or fuel refill.
- Mechanical Breakdown: Covers the cost of repairs to mechanical parts of your car, like the engine and transmission.
Other types of auto-related insurance you can get in Georgia include rental reimbursement coverage, classic car insurance, non-owner insurance, and umbrella insurance. These types of coverage apply to specific situations or needs and are generally available across the country.
On the other hand, you won't be able to get personal injury protection (PIP) in Georgia. However, MedPay provides similar coverage to PIP.
If you want to learn more, check out WalletHub's guide to the different types of car insurance.
People also ask
What is full coverage insurance in Georgia?
Full coverage insurance in Georgia is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage. Full coverage in Georgia also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $2,287 per year in Georgia, while a state minimum policy costs $877 per year.
If you can’t afford to repair or...
read full answer by Anamarie Waite, Car Insurance WriterHow does car insurance work in Georgia?
Georgia is an at-fault state, which means the at-fault driver is responsible for paying for everyone injured in the accident. Drivers in Georgia are required to carry at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $25,000 in property damage liability insurance. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP)
Average Cost of Car Insurance in Georgia
read full answer by Anamarie Waite, Car Insurance WriterHow much car insurance do I need in Georgia?
Georgia law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Georgia also requires you to carry at least $25,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Georgia
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
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