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Georgia Auto Insurance Requirements
by Doug Cohen

What is the Mandatory Auto Insurance Law?
Georgia law requires drivers in Georgia State, whether in Atlanta or Augusta, Columbus or Savannah, Athens or Albany, Macon or Marietta, or somewhere in between, to have an auto insurance liability policy of at least the required minimum limits. What are those minimum required limits in this red dirt, Peach State?

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Under Georgia law, youíre required to have car insurance liability limits of at least 25/50/25. What does this mean? It means:
$25,000 per person, for bodily injury you cause
$50,000 per accident, for bodily injury, and
$25,000 per accident, for damage to anotherís property, usually their car.

Proof of Insurance
If youíre stopped by a Georgia law enforcement officer, you must present an insurance identification card showing that the car is insured. Your car insurance company must provide you with an identification card when they issue or renew your car insurance liability policy. At your request, the company will provide a card or temporary proof of insurance for each car covered under your policy and if you purchase your insurance from InstantCarInsurance.com or Ensurance.com you can also print your ID cards online instantly and for free.

The insurance identification card includes the name of the insurance company, the policy number, and the policyís effective and expiration dates. It also includes a description of the insured car(s) and/or the name of the insured driver.

If you do not carry proof of insurance and you are stopped by law enforcement, the state of Georgia considers it a traffic infraction. You can receive a fine and it may go on your driving record. The courts could also add other unwanted fees to your fine so always keep a current (up to date) proof of insurance id in the car with you at all times.

How to Find the Best Auto Insurance Rates in Georgia
It is very important to comparison shop for the best coverage at the lowest rates for Georgia Auto Insurance. There are many online resources that provide free quotes from licensed Georgia insurance company policies and are approved by the Georgia DMV. If you think you may be paying too much for auto insurance, residents of Georgia can save time and money by comparing car insurance quotes quickly and anonymously between top name Georgia auto insurance carriers simply by logging on to InstantCarInsurance.com. The State of Georgia requires minimum auto insurance of 25/50/25 as long as you have a valid Georgia car tag and car registration. Keep this in mind when shopping for basic coverage and evaluate it against car insurance quotes with higher coverage for a little more money. The cheapest car insurance is not always the best car insurance. Most people do not realize that insurance companies change rates continuously and typically repost the new rates twice monthly. Therefore we recommend coming back to this site and re-rating your cars each month just to be sure you are still getting the best deal and the rock-bottom, lowest, cheapest price you can for car insurance! Why not? Itís free.

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