Georgia requires liability limits of at least $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. O.C.G.A. § 33-34-4 requires an owner to carry coverage equivalent to the security under the Motor Vehicle Safety Responsibility Act, § 40-9-37 points to the amounts, and § 33-7-11(a)(1)(A) states them.
| Coverage | Required? | Minimum |
|---|---|---|
| Bodily injury liability, one person | Yes | $25,000 |
| Bodily injury liability, per accident | Yes | $50,000 |
| Property damage liability | Yes | $25,000 |
| Uninsured motorist | Included unless rejected in writing | $25,000/$50,000/$25,000, or the policy's limits |
| Medical payments | No | Optional |
| Collision and comprehensive | No, though a lender may require them | Policy |
These minimums pay for harm to other people. They don’t pay for the insured driver’s own injuries or car. A single hospital stay can use up $25,000, and $25,000 in property damage may not cover one late-model car, let alone two. An injured person may have to look past the other driver’s policy, including to their own uninsured motorist coverage under § 33-7-11.
Georgia’s electronic insurance system tracks coverage, and driving without it has consequences for the owner, such as registration and criminal penalties set by Title 40. Those are enforced outside any injury claim. A rental or a car registered elsewhere may be subject to different coverage questions.
Limits on a policy can be checked: under § 40-6-273.1, the officer at a reported crash instructs each driver to report the name of their liability insurer to other parties.
General information about Georgia law as of November 2026. It is not legal advice and does not create an attorney-client relationship.