Georgia Auto Insurance
Under Georgia law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury
Liability (BIL) insurance. This pays for medical and related expenses for the other driver when the insured is
responsible for the accident. Motorists must also purchase at least $25,000 in Property Damage Liability (PDL)
insurance, which pays for damage caused to vehicles or other property by the insured.
While Georgia does not require drivers to carry uninsured/underinsured motorist coverage, drivers who decline to do
so must sign a statement rejecting this insurance. There are two types of uninsured/underinsured motorist coverage
in Georgia, “new” and “traditional,” and it is important for drivers to understand which form they are buying. The
traditional form is offset by any BIL insurance the underinsured driver has, while the new form adds the insureds’
limit of insurance once the underinsured driver’s policy limits are reached.
While state law does not require the purchase of collision or comprehensive insurance, the lenders for leased or
financed motor vehicles will almost certainly mandate such coverag
SR-22 Insurance in Georgia
When a driver loses their license because of a DUI or other serious motor vehicle violations, reinstatement
after a minimum of 90 days’ suspension includes the submission of an SR-22 form by the driver’s insurance
company to the Georgia Department of Driver Services (DDS). Known as the Georgia Safety Responsibility Insurance
Certificate (SR-22A), this form must include a receipt showing payment has been made to the insurance company
and proof of maintaining the minimum state insurance requirements. Drivers must carry SR-22 coverage for at
least one year. If the driver cancels the insurance policy within the three-year period, the insurance company
notifies the DDS and the driver’s license is canceled.
Georgia Driver Statistics
While Georgia is home to bustling cities like Atlanta and graceful cities such as Savannah, its primary industry
remains agriculture, with peaches, peanuts, pecans, poultry and blueberries among the leading products. Other
strong sections of the economy include lumber, energy, coal and natural gas production, automotive
manufacturing, and film production. Many top films and TV shows are filmed in the state. Tourism is another
major industry, featuring destinations such as the Savannah Historic District, Dr. Martin Luther King Jr.
National Historic Site, the Georgia Aquarium, Chattahoochee National Forest and Jekyll Island.
Approximately 10.6 million people call Georgia home, and 7 million of them have drivers’ licenses. That makes it
the eighth-most populated state in the nation, and its growth rate is increasing. Currently, Georgia is the 12th
fastest-growing state in the U.S. In size, Georgia is the 24th largest state, falling into the middle in
landmass. Georgia’s median age is 36 years, making it one of the younger states demographically.
Georgia Auto Insurance & Accident Facts
According to the Georgia Governor’s Office of Highway Safety, the serious injury rate in state traffic accidents
is 17.63 percent as of 2018, a rate that has been steadily moving upward over the past decade. In 2018, 1,514
people lost their lives on state roadways, an average of four deaths daily. Of these, 17 percent were
pedestrians, 59 percent of victims were not wearing a seatbelt, and 70 percent of these crashes were due to
unsafe driving behaviors, including distracted driving, driving under the influence and driving too fast for