Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. That is the Georgia Office of the Commissioner of Insurance and Safety Fire, read September 15, 2026, and the minimums it publishes are $25,000 per person and $50,000 per incident for bodily injury liability, and $25,000 per incident for property damage liability.
What the three numbers mean
Bodily injury liability pays for injuries you cause to other people, up to $25,000 for any one person and $50,000 for everyone hurt in one incident. Property damage liability pays for damage you cause to other people’s property, up to $25,000 in one incident. None of the three pays for you, your passengers or your own vehicle.
What the state does not require
In the regulator’s words: Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. Collision and comprehensive are the two physical damage coverages. The lender’s requirement is a contract term, not a state law, and it ends when the loan does.
The sentence in the parentheses
The regulator’s page includes four words worth reading twice: you can purchase more coverage if you choose. The minimum is the least a driver can carry and still be legal. Whether it is enough depends on what you own and what a serious accident could cost, and the difference between the limit and the cost of the claim is the driver’s. Uninsured and underinsured motorist coverage, which responds when the other driver carried the minimum or nothing, is the other half of the same question.
Metro Risk Management Group writes personal auto for households across metro Atlanta and Georgia, with coverage set first and the price compared second.