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The General® is pleased to provide auto insurance in Georgia.  We offer low cost auto insurance options online even if you have a less than perfect driving record—even if you’ve never been insured before, let your policy lapse, or had your coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

Georgia Law requires every driver to have automobile liability insurance while driving on Georgia public roads and highways.  The statutory minimum limits of liability insurance in Georgia are:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $25,000 for any one accident

Click here to read Georgia's Motor Vehicle Liability Insurance Coverage Owner(s) Responsibilities Guide

Frequently Asked Questions Regarding Georgia Auto Insurance

What Happens If I Don’t Carry Insurance?

In Georgia, driving without auto insurance is a serious offense.  Failure to show proof of insurance when requested may result in fines or a suspended license.

What Are the Penalties for Driving Without Insurance?

A judge can impound the vehicles of frequent, flagrant violators.  If you provide false evidence of insurance coverage and your driver’s license is suspended, the suspension cannot be lifted until you demonstrate genuine Proof of Insurance.

Why Are Insurance Information Cards Needed?

Your insurance company is required by law to issue you an auto insurance policy information card for each vehicle they insure.  Your auto insurance policy information card must be carried in your vehicle at all times when the vehicle is driven.  In addition to being a requirement of law in Georgia, an auto insurance policy information card may be needed if you are traveling in other states where they may not recognize the information on our database.  If you are involved in an accident, your valid insurance card can also be used to easily exchange insurance information, i.e. your insurance company’s name, policy number, agent’s name and telephone number, etc.

If someone else drives my vehicle, are they insured under my policy?

Yes.  If you allow someone else to drive your vehicle, you must provide the driver with acceptable proof of insurance coverage as shown under the heading “Acceptable Proof of Georgia Motor Vehicle Liability Insurance” and your valid insurance policy information card.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Georgia Department of Insurance
Georgia Motor Vehicle Division
Department of Driver Services
The Official State of Georgia Website
Georgia Department of Transportation