Georgia Auto Insurance


Obtaining and comparing multiple Georgia auto insurance quotes is an effective way to locate the cheapest policies available. OnlineAutoInsurance.com helps motorists compare rates from various companies with one simple process to find cheap coverage quickly and easily.
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state of Georgia The state of Georgia makes it mandatory for drivers to buy GA car insurance and to maintain a liability policy as a minimum on all owned vehicles. The required coverage pays for damages to other people, vehicles, or property as a result of an automobile accident.

Georgia Liability Auto Insurance Requirements
$25,000 per person for bodily injury
$50,000 per accident for bodily injury to two or more people
$25,000 per accident for property damage

Georgia has technology giving the state the ability to verify the status of any vehicle’s policy. Insuring companies are required to electronically notify the state's Department of Revenue of residents' policy status, which gives authorities the ability to verify whether coverage is active or canceled. This system was designed to reduce the number of uninsured drivers in the state of GA.

To inquire about a vehicle’s policy status, check with Georgia’s database online. Drivers will be asked for the title number and the vehicle identification number (VIN), which can obtained by looking at the vehicle registration. Remember to allow 30 days for a carrier to submit proof to the state before it appears in the database.

If an automobile is not insured for 10 days in a row, its registration could be suspended, and a fee will be charged for reinstatement once it is insured. Not having a vehicle covered could lead to other expensive fines including a citation, and even worse, an uncovered accident. Because of this, finding cheap auto insurance in GA and maintaining coverage is very important.

There are a few exceptions to this registration aspect of Georgia car insurance requirements and laws, including when an automobile is sold, turned in at the end of a lease, brought to a junkyard, salvaged or totally wrecked, repossessed, stolen or inoperable, or when the owner moves to another state. Some vehicles used seasonally may also qualify exception, such as those used primarily for agricultural purposes. Additionally, if the owner is in the military and is not using the automobile, he or she may qualify for an exception. If the automotive qualifies for any one of the exceptions, the owner will need to fill out an affidavit and submit it for approval.

Georgia Auto Insurance Articles
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Questions about GA Coverage Topics

  • Is It Better to Stay with the Same Georgia Auto Insurance Company?

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  • Does Georgia Car Insurance Cover Hurricane Damage?

    Storm warning road signHurricane season can be a troubling time for vehicle owners in Georgia. The National Weather Service states that between June 1st and November 30th there is a greater chance of residents on the Atlantic coast experiencing high winds and stormy weather. Turbulent weather is sometimes...

News Regarding Georgia Car Insurance

  • Hundreds of La. Car Insurance Complaints Filed From Jan. to June

    August 15, 2013 - A recently released report from the Louisiana Department of Insurance (LDI) shows that nearly 1 out of every 4 complaints that consumers filed in the first half of 2013 against insurance companies were against car insurers. Complaints filed with the state insurance regulatory offices can result in funds recouped for consumers ...

  • Ga. Insurance Regulators Recover $4 Million in First Half of 2012

    August 3, 2012 - Georgia regulators recently released their recovery figures for the first half of 2012, saying that a little over $4 million was returned from policyholders' claim disputes with insurers. The recovered funds stem from 4,100 cases that state ...

  • Georgia State Farm Policyholders to See Auto Insurance Premiums Cut

    October 24, 2011 - State Farm is cutting overall rates for Georgia auto insurance policyholders by a statewide average of 2.2 percent due to an expected drop in the number and size of claims for damages, a company spokesman reported Monday. "We anticipate less frequent and less severe auto claims in Georgia and would like to pass this savings...

Georgia Auto Insurance Articles

  • Georgia Auto Insurance Shopping without Personal Info

    Jul 22, 2011 - Residents in the Peach State that wish to drive must be able to prove that they are adequately insured, and have met the state's financial responsibility laws. But because insurers typically determine rates differently, and because...

  • Georgia Auto Insurance Requirements

    Mar 31, 2011 - Motorists in the Peach State are required by law to maintain automobile insurance in order to register a vehicle or obtain state license plates, and failure to do so could prevent a resident from renewing, transferring, or replacing any ...

  • Avoid Penalties and Get GA Auto Insurance

    Jan 25, 2011 - In some states getting auto insurance in optional, but not in GA. In recent times the Peach State has gone to great lengths to ensure that everyone within it's borders is covered and unless a motorist wants to receive a fine they should...