Georgia Auto Insurance Explained
Coverage That Actually Protects You (Not Just State Minimums)
Georgia minimum auto limits are legally compliant but financially dangerous. Serious accidents routinely exceed state minimums, especially when uninsured drivers are involved. Atlanta's heavy traffic and high accident rates make proper coverage critical.
What auto insurance do I actually need in Georgia?
Georgia requires 25/50/25 liability coverage, but we recommend 100/300/100 with uninsured motorist coverage. Atlanta's traffic congestion and Georgia's 12% uninsured driver rate make higher limits essential. State minimums won't cover a serious accident. Medical bills from a moderate injury easily exceed $25,000, and property damage to newer vehicles can surpass $25,000. We recommend: $100,000/$300,000 bodily injury liability, $100,000 property damage, $100,000/$300,000 uninsured motorist, $5,000 medical payments, and collision/comprehensive with $500-$1,000 deductibles.
Why Georgia Drivers Need More Than Minimum Coverage
Atlanta ranks among the top 10 worst traffic cities in America. Heavy congestion on I-285, I-85, and I-75 leads to frequent rear-end collisions and higher insurance claims.
Approximately 12% of Georgia drivers operate without insurance. If an uninsured driver hits you, your UM coverage is your only financial protection.
Georgia experiences frequent hailstorms, tornadoes, and flooding. Comprehensive coverage protects your vehicle from weather-related damage that liability won't cover.
Georgia Auto Insurance Coverage Types
Frequently Asked Questions
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