Cheap Car Insurance in Georgia

Liability Insurance

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. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you). 

The minimum limits of liability insurance required under Georgia law are:

• Bodily Injury Liability – $25,000 per person and $50,000 per incident
• Property Damage Liability – $25,000 per incident

Physical Damage Insurance

Physical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance:

• Comprehensive – this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses
• Collision – this covers losses associated with vehicle collisions

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. 

As a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident.