Georgia's Minimum Car Insurance Requirements
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Ron Trumbo
Car Insurance Editor |
Georgia drivers are required to have auto liability insurance for at least the minimum limits required by law to drive on the Georgia public roads and highways. In Georgia, the minimum limits of liability required under Georgia law are:
- Bodily injury Liability of $25,000 per person/$50,000 per occurrence, and Property Damage liability of $25,000 per occurrence.
Homeowners Tip: Making Home Insurance Claims in Georgia
In Georgia, your home insurance claim history has a significant impact on the cost of your home premiums. The NAIC recommends considering not filing home insurance in claims for smaller amounts/events to avoid being targeted for a premium increase. For example, you may want to consider a higher deductible if you are unlikely to file a claim for a loss that is less than $500 or even $1000. |
Drivers Education in Georgia
If a teen does not take a driver education course, they must complete a cumulative total of at least 40 hours of supervised driving experience, including at least 6 hours at night. Supervised driving experience must be verified on an affidavit. For teens that have taken an approved driver education course in a licensed private or public driver education school, then a cumulative total of at least 20 hours of supervised driving experience, including at least 6 hours at night is required. Supervised driving experience must be verified on an affidavit. A certificate of completion from the driver education school must be presented at time of application for a Class D Driver’s License.
Flood Insurance in Georgia
The standard homeowners insurance policy in Georgia does not cover flooding. Georgia home owners can purchase flood coverage directly from a qualified homeowners insurance agent, however, the flood insurance is provided by the Federal Flood Insurance Program. |
