Auto Insurance

For your cars, trucks, golf carts, and everything in between.

Interstate 285 in Atlanta at the Chamblee-Tucker Road exit, with trucks and cars in traffic — Photo: Michael Rivera, CC BY-SA 4.0

What it is

Personal auto insurance covers the cars, pickups and other vehicles a household drives: liability for injury and damage you cause, collision and comprehensive for your own vehicle, uninsured and underinsured motorist coverage, and medical payments. It also reaches the vehicles a standard policy may not automatically include, such as golf carts.

Why it matters

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. Those minimums are $25,000 per person and $50,000 per incident for bodily injury liability, and $25,000 per incident for property damage liability, according to the Georgia Office of the Commissioner of Insurance and Safety Fire (read September 15, 2026). A serious accident can cost more than that, and the difference is yours.

Who needs it

Every household registering a vehicle in Georgia. Households with new or teen drivers, anyone financing or leasing a vehicle, and anyone who owns a golf cart or other vehicle that needs its own coverage.

In Georgia

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. That is the Georgia regulator's own wording. The other question in metro Atlanta is uninsured and underinsured motorist coverage: it is what responds when the other driver carried the minimum or nothing.

What the policy can include

Bodily injury and property damage liability
Collision and comprehensive
Uninsured and underinsured motorist coverage
Medical payments
Rental reimbursement and roadside assistance
Golf cart and specialty vehicle coverage

Information is general in nature and may not reflect your specific situation. Policy language, not this page, determines coverage.

Georgia’s minimum: $25,000 per person and $50,000 per incident for bodily injury, and $25,000 per incident for property damage.

Source: Georgia Office of the Commissioner of Insurance and Safety Fire, Auto insurance resources, read September 15, 2026.

Questions we get

What are Georgia's minimum auto liability limits?

Bodily Injury Liability – $25,000 per person and $50,000 per incident; Property Damage Liability – $25,000 per incident. That is the Georgia Office of the Commissioner of Insurance and Safety Fire's published minimum, read September 15, 2026. You can purchase more coverage if you choose.

Is physical damage coverage required in Georgia?

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, and the lender's requirement is a contract term, not a state law.

Is the state minimum enough?

The regulator's page says you can purchase more coverage if you choose. Whether the minimum is enough depends on what you own and what a serious accident could cost. The minimum is a legal floor, not a recommendation, and a personal umbrella policy sits on top of higher auto limits for the claims that exceed them.

Set up an appointment via Zoom, telephone, or in person for your insurance portfolio assessment.

Get a quote Call (404) 549-4594 sharon@metroriskmanagement.com