Georgia Car Insurance (GA)

Atlanta has become a symbol of the new South, and Atlanta's nightlife has become legendary among the new generation of Americans on the move.   While the non-stop lifestyle that typifies the city is perhaps a little slower elsewhere in the state (except Athens), things just generally seem to be gathering momentum. The generation that is in the start-up mode though, seems to be rolling downhill constantly - always on the move, always a little faster. For those on the move in cars, it is important to understand what is required in terms of car insurance.

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Georgia Car Insurance Requirements

The minimum liability coverage every Georgia driver must have is $25,000 in bodily injury for an individual and $50,000 in bodily injury per accident.  The car insurance policy must also cover a minimum of $25,000 in property damage.

Keep in mind that medical and repair costs can add up quickly, and state-mandated minimum requirements may not be sufficient enough to cover your liability. It is recommended that you purchase the highest limits of coverage you can comfortably afford.

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Aditional Georgia Car Insurance Options

Because there is no required insurance coverage for your vehicle should you be at fault, there are options available to protect your car referred to as collision and comprehensive. Collision coverage pays for your repair costs, after a deductible is met. Comprehensive insurance pays for non-accident related damages, such as theft, damage from a storm or fire, or vandalism.

Many people drop collision and comprehensive coverage after the car is five years old or more, because the value of the car does not justify the premiums. The mix of coverage levels, deductibles and premiums are different for everyone, based on each individual’s financial situation.

You can also purchase coverage for towing, which will pay for having your car removed from the scene of an accident. And you can buy coverage for a rental car, which will be paid for while your car is in the shop.

Car Insurance in Georgia Cities

Learn more about car insurance specifically in Atlanta.

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