Is car insurance required in the state of Georgia?

Is car insurance required in the state of Georgia?

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. Bodily Injury Liability – $25,000 per person and $50,000 per incident.

What are the auto insurance requirements in Georgia?

Georgia law requires that all drivers must have at least the following required minimum auto insurance coverages for your vehicle: Bodily injury liability: $25,000 per person and $50,000 per accident. Property damage liability: $25,000 per accident.

Is Georgia a no-fault auto insurance?

No-fault insurance means that when a driver is hurt in an auto accident, they need to file a claim with their own insurance company for some or all of their medical costs, lost wages, and other damages. While 12 U.S. states follow a no-fault insurance system, Georgia is not one of them.

What happens if you don’t have car insurance in Georgia?

You could face up to $185 in fines and a year in jail and lose your driving privileges and vehicle registration. Also, driving a car with a suspended registration in Georgia is considered a misdemeanor, affecting your record and how much you pay to insure your car.

Why is Georgia car insurance so high?

Car insurance in Georgia is expensive because the state has some of the most accident-prone highways in the country. Georgia also gave insurance companies the right to raise premiums without the approval of the state insurance commissioner, which has caused rate hikes.

How long do I have to get insurance on a used car in Georgia?

The Georgia new-car insurance grace period is 2 to 30 days in most cases.

Is Georgia a fault or no-fault state?

No-fault means that drivers in vehicle crashes have insurance to cover their own injuries or damages. Their insurance would not be required to pay out to another person in a crash, regardless of who is at fault. Like most other states in the US, Georgia is an at-fault state.

Can you go to jail for not having car insurance in Georgia?

If a driver does not have adequate insurance or a vehicle is not adequately insured by its owner, they will be charged with Driving Without Insurance in Georgia. Driving Without Insurance is a misdemeanor that can result in fines of up to $1,000 and up to 12 months in jail.

How long can you go without car insurance in Georgia?

There are no penalties if they receive your new insurance information within the 30-day period, as long as there has been no lapse in coverage (10+ days without coverage). If there has been a lapse, you’ll face fines of $85 – $185, depending on whether it is a first, second or third offense.

How long do you have before your insurance lapse?

You’ll usually have 10 to 20 days between the date of the cancellation notice and the date you are no longer covered. The exact amount of time differs by state. After that, your insurance will officially lapse and you’ll no longer be able to drive your car legally.

Is Georgia car insurance high?

Car insurance in Georgia is relatively expensive, with average full coverage premiums that are over $300 more than the average annual cost of car insurance in the country. While the national average cost of full coverage car insurance is $1,674 per year, Georgia residents pay $1,982 per year for the same coverage.

How much is car insurance per month in Georgia?

How much is car insurance in Georgia? The average cost of minimum-coverage car insurance in Georgia is $84 per month, based on our research. The average cost of full-coverage car insurance in Georgia is $160 per month. Minimum-coverage car insurance includes only the coverage types and amounts a state requires.

Is Title jumping illegal in Georgia?

Title jumping is illegal in every state. Even if you purchase a vehicle and turn around the next day and sell it, you are legally required to transfer the title into your name. There are exceptions to this rule, though, such as when a title owner is deceased and the next of kin wishes to sell the vehicle.

What happens if the person at-fault has no insurance in Georgia?

In both Georgia and South Carolina, you have the right to bring a personal injury lawsuit against the driver who is liable for your car accident and injuries. If your lawsuit is successful, the court may order that your damages be paid from the uninsured driver’s assets.