Coverage and service for the Peach State
If you live in Georgia or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're driving the scenic byways, cruising a coastal highway or meandering a major interstate, we can be there for you.
Required car insurance coverage in Georgia
Georgia law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured and underinsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
Minimum requirement |
You must have the same limits as your bodily injury liability coverage, but it can be waived by written request. |
Coverage |
Uninsured and underinsured motorists property damage |
Description |
This helps cover your expenses if your property is damaged in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
Minimum requirement |
You must have the same limits as your property damage liability coverage. It can only be waived by written request along with uninsured and underinsured motorists bodily injury. |
Required car insurance coverage in Georgia
Georgia law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured and underinsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
You must have the same limits as your bodily injury liability coverage, but it can be waived by written request. |
Uninsured and underinsured motorists property damage |
This helps cover your expenses if your property is damaged in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
You must have the same limits as your property damage liability coverage. It can only be waived by written request along with uninsured and underinsured motorists bodily injury. |
Georgia law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured and underinsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
| Minimum requirement | You must have the same limits as your bodily injury liability coverage, but it can be waived by written request. |
| Coverage | Uninsured and underinsured motorists property damage |
| Description | This helps cover your expenses if your property is damaged in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
| Minimum requirement | You must have the same limits as your property damage liability coverage. It can only be waived by written request along with uninsured and underinsured motorists bodily injury. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
Georgia car insurance FAQ
If you’re moving to Georgia or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.