Wherever life takes you, we’ve got you covered.
You can drive with confidence knowing you’re protected against the unexpected.
What Is the Minimum Coverage Required and How Much Should I Expect to Pay?
In Georgia, the minimum required auto insurance coverage includes:
Bodily Injury Liability: $25,000 per person and $50,000 per accident.
Property Damage Liability: $25,000 per accident.
This minimum coverage is often referred to as 25/50/25.
While the required coverage meets the legal minimum, it may not be sufficient to fully protect you in serious accidents. Many drivers opt for higher limits and additional coverage for greater financial security.
Cost:
The average cost of minimum liability coverage in Georgia is approximately $80 to $120 per month.
Comprehensive and collision coverage, which provide additional protection, typically raise premiums to around $150 to $200 per month depending on factors like your driving record, vehicle type, and location.
Is Auto Insurance Required in Georgia?
Yes, auto insurance is legally required in Georgia. The state mandates that all drivers maintain a minimum level of liability coverage to operate a vehicle legally. This law ensures financial responsibility in the event of an accident and protects other drivers on the road.
What Does Auto Insurance Cover?
Auto insurance policies can include several types of coverage to protect you in different scenarios:
Liability Coverage:
- Covers injuries to others and damage to their property if you are at fault in an accident.
Collision Coverage:
- Pays for damage to your vehicle resulting from a collision, regardless of fault.
Comprehensive Coverage:
- Protects against non-collision incidents such as theft, vandalism, fire, or natural disasters.
Uninsured/Underinsured Motorist Coverage:
- Covers your expenses if you’re in an accident with a driver who has no insurance or insufficient coverage.
Medical Payments Coverage:
- Covers medical expenses for you and your passengers after an accident, regardless of fault.
What Does Auto Insurance NOT Cover?
While auto insurance provides broad protection, there are some exclusions to be aware of:
Intentional Damage:- Damages caused intentionally by the driver are not covered.
- Normal wear and tear or maintenance issues, like engine failure, are not covered.
- Items inside the vehicle, such as laptops or phones, require separate personal property coverage.
- Claims made while driving uninsured or with a lapsed policy will not be covered.
- Driving for ridesharing companies like Uber or Lyft may not be covered under standard personal auto policies.
Why Choose Safe Harbor Insurance?
At Safe Harbor Insurance, we understand the unique needs of Georgia drivers. We’re committed to providing:
Affordable Rates: Tailored policies to fit your budget without compromising on coverage.
Comprehensive Protection: Options to enhance your coverage beyond the minimum requirements.
Exceptional Service: A team of local experts ready to help you navigate your options and file claims efficiently.
