Insurance Requirements for Driver’s License in Georgia

1. What auto insurance requirements must drivers meet in Georgia?


In order to drive legally in the state of Georgia, drivers must have liability insurance that covers bodily injury and property damage. This coverage must have a minimum limit of $25,000 per person/$50,000 per accident for bodily injury and $25,000 per accident for property damage. Additionally, drivers must carry uninsured motorist coverage with the same minimum limits.

2. What proof of insurance is required to obtain a driver’s license in Georgia?


In Georgia, drivers must present proof of liability insurance to the county tag office when applying for a driver’s license. This proof of insurance must be provided in the form of a valid insurance card; a copy of the policy; or an affidavit from the insurance company, verifying that the applicant is covered.

3. Are there any exceptions to the minimum auto insurance limits for drivers in Georgia?


Yes. The minimum auto insurance limits for drivers in Georgia are 25/50/25, but there are certain exceptions and exclusions. For instance, the state only requires a minimum of $25,000 in liability coverage per person and $50,000 per accident for bodily injury liability. However, if a driver has comprehensive or collision coverages with a deductible higher than $500, the minimum liability coverage increases to $50,000 per person and $100,000 per accident.

4. What is the minimum bodily injury liability limit for drivers in Georgia?


The minimum bodily injury liability limit for drivers in Georgia is $25,000 per person, with a maximum of $50,000 per accident.

5. Is personal injury protection (PIP) required for drivers in Georgia?


No, personal injury protection is not required for drivers in Georgia. However, Georgia does require drivers to carry liability coverage for bodily injury and property damage.

6. How long do drivers in Georgia have to provide proof of automobile insurance after registering their vehicle?


In Georgia, drivers must provide proof of automobile insurance coverage upon registration of the vehicle and must maintain continuous proof of coverage while operating it. Proof of insurance must be carried in the vehicle at all times and must be presented upon request by a law enforcement officer.

7. Does Georgia require uninsured/underinsured motorist coverage?


Yes, Georgia requires uninsured/underinsured motorist coverage. This coverage protects drivers if they are involved in an accident with a driver who does not have insurance or who does not have enough coverage to cover the costs of the accident.

8. What are the penalties for driving without insurance in Georgia?


In Georgia, it is illegal to drive without insurance. Penalties for driving without insurance can include license and registration suspension, fines of up to $200, and potential jail time of up to 12 months.

9. Is it legal to operate a motor vehicle without insurance in Georgia?


No, it is not legal to operate a motor vehicle without insurance in Georgia. Operating a motor vehicle without insurance is a violation of Georgia law, and may result in fines, suspension of the vehicle registration, and other penalties.

10. Does Georgia offer low-cost auto insurance plans for drivers?


Yes, Georgia offers low-cost auto insurance plans for drivers through the Georgia Automobile Insurance Plan (GAIP). This plan is for drivers who have difficulty obtaining traditional auto insurance coverage due to their driving record or other factors.

11. How does a driver reinstate their license after being convicted of driving without insurance in Georgia?


In Georgia, drivers must apply for reinstatement of their license after being convicted of driving without insurance. They must pay a reinstatement fee and provide proof of insurance. They may also be required to pass a road test and a written exam. They may be required to serve any sentences imposed by the judge.

12. What forms of proof of auto insurance are accepted by the DMV in Georgia?


The Georgia Department of Driver Services (DDS) accepts the following forms of proof of auto insurance:

1. A current insurance card or policy document from the insurance company.

2. An insurance binder.

3. A certificate of self-insurance.

4. Any other document that clearly shows the vehicle is insured for the required minimum coverage amounts and is accepted by the DDS.

13. Are there any restrictions placed on auto insurers in Georgia regarding the minimum amounts of coverage they must offer?


Yes. Georgia law requires auto insurance policies to provide a minimum of $25,000 per person for bodily injury liability and $50,000 total for any one accident for bodily injury liability, as well as a minimum of $25,000 for property damage liability per accident. It is also required to have uninsured and underinsured motorist coverage to cover the costs of medical bills, lost wages, and other expenses for you and your passengers if you are injured or killed by a driver with no insurance or not enough insurance.

14. Does Georgia require motor vehicle operators to carry liability coverage on their vehicles?


Yes, Georgia does require motor vehicle operators to carry liability coverage on their vehicles. According to the Georgia Department of Revenue, all registered vehicles must have liability insurance coverage with a minimum limit of $25,000 for bodily injury or death of one person; $50,000 for bodily injury or death of two or more persons; and $25,000 property damage.

15. How often must drivers in Georgia update their proof of auto insurance with the DMV?


Proof of auto insurance with the Georgia Department of Motor Vehicles must be updated on an annual basis.

16. Does Georgia require drivers to purchase uninsured motorist property damage coverage?


Yes, Georgia requires drivers to purchase uninsured motorist property damage coverage as part of their car insurance policy.

17. Are there any special discounts available for drivers who purchase auto insurance in Georgia?


Yes, there are special discounts available for drivers who purchase auto insurance in Georgia. These discounts can include ones for good driving records, multi-car policies, and having multiple policies with the same insurance company. Additionally, some insurance companies offer discounts for taking defensive driving classes, by installing anti-theft devices, or by being a student with good grades.

18. Is there a grace period for providing proof of auto insurance to the DMV in Georgia?


Yes, Georgia law requires a grace period of 30 days for policyholders to submit proof of insurance to the Department of Motor Vehicles.

19. How much does the average auto insurance policy cost for drivers in Georgia?


The average cost of auto insurance in Georgia is around $1,074 per year.

20. What type of documentation do I need to provide when getting a driver’s license in Georgia?


In order to get a driver’s license in Georgia, you will need to provide the following documents: a valid, unexpired US passport, birth certificate, or valid Permanent Residency Card; a Social Security Card or a Georgia Tax Identification number; two proofs of residential address such as a utility bill or bank statement; and a valid form of identification such as a driver’s license from another state. You will also need to pass the vision and knowledge exams.