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Bodily Injury Liability Coverage — Georgia

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Georgia Requires Bodily Injury Liability on Every Vehicle

Georgia law requires bodily injury liability coverage on every registered vehicle. You cannot register a car, renew a registration, or legally drive without proof of coverage that meets the state's minimum limits. The Department of Driver Services and the Department of Revenue enforce this requirement at registration and after any at-fault crash.

The requirement applies to every vehicle you own, whether you drive it daily or rarely. If you insure two or more cars, each must carry bodily injury liability at or above the state minimums. A single policy covering multiple vehicles satisfies the requirement for all of them, provided the policy meets Georgia's limits.

“The state minimums protect the other driver. Every dollar of injury cost above $50,000 per crash is your personal debt.”

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$25,000 / $50,000

Georgia Bodily Injury Minimums

Georgia requires $25,000 bodily injury liability per person and $50,000 per accident. Both limits must appear on your policy declarations page. The per-person limit caps what the insurer pays to any single injured person; the per-accident limit caps the total payout when multiple people are injured in one crash.

Georgia Department of Driver Services

What the Per-Person and Per-Accident Limits Mean

The $25,000 per-person limit is the maximum your insurer will pay to any single injured person in a crash you cause. The $50,000 per-accident limit is the maximum your insurer will pay to all injured people combined in that same crash. Both limits apply simultaneously.

If you injure three people in one at-fault crash and each person's medical bills exceed $25,000, your insurer pays $25,000 to each of the first two claimants and nothing to the third, because the per-accident cap of $50,000 is exhausted. You are personally liable for every dollar beyond that cap.

Drivers who own multiple vehicles face the same liability exposure on every car. An at-fault crash in any vehicle you own triggers the same per-person and per-accident limits. Insuring all your vehicles on one policy does not stack the limits; the policy's bodily injury limits apply per occurrence, not per vehicle.

The state minimums protect the other driver, not you. Every dollar of injury cost above $50,000 per crash is your personal debt.

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Why Households with Multiple Vehicles Should Carry Higher Limits

A household that insures two or more vehicles has more at-fault exposure than a single-car household. Every vehicle you own can trigger the same per-person and per-accident limits. A serious crash in any car exhausts the policy limits and leaves you personally liable for the remainder.

Carriers apply the multi-car discount to the higher-limit premium, and the incremental cost per vehicle drops as you add cars. The higher limits protect your assets in any crash involving any vehicle you own.

Georgia does not require uninsured motorist coverage, but carriers often offer it at limits matching your bodily injury liability. If you raise your liability limits, consider raising your uninsured motorist limits to match. Approximately 19% of Georgia drivers are uninsured, and an uninsured driver who injures you or a household member cannot pay your medical bills. Your uninsured motorist coverage steps in when the at-fault driver has no insurance.

19%

Georgia Uninsured Motorist Rate

Approximately 19% of Georgia drivers are uninsured. An at-fault uninsured driver cannot pay your injury costs. Uninsured motorist coverage, offered by most carriers at limits matching your bodily injury liability, covers your medical bills and lost wages when the at-fault driver has no insurance.

Insurance Information Institute, 2023

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How to Structure Bodily Injury Coverage Across Multiple Vehicles

Insure all your household's vehicles on one policy. A single policy with bodily injury limits at or above the state minimums satisfies Georgia's requirement for every vehicle listed. The multi-car discount lowers the per-vehicle cost, and the policy's liability limits apply to any covered driver operating any covered vehicle.

When you add a vehicle to an existing policy, the insurer re-rates the entire policy. The bodily injury liability premium adjusts based on the new vehicle's characteristics and the household's total exposure. Carriers that specialize in multi-car policies often offer better combined rates than insuring each vehicle separately. Compare carriers that write policies for households with two or more vehicles and confirm that the bodily injury limits meet or exceed $25,000 per person and $50,000 per accident before binding coverage.

Compare Carriers and Confirm Your Limits

Georgia requires bodily injury liability on every vehicle you register. The state minimums are $25,000 per person and $50,000 per accident. Those limits apply to every car you own, whether you drive it daily or rarely. A household that insures multiple vehicles should compare carriers that write multi-car policies and consider raising limits above the minimums to protect household assets in any at-fault crash. Use the site's comparison tool to see carriers that write policies for households with two or more vehicles, confirm that your policy meets Georgia's minimums, and evaluate whether higher limits fit your household's exposure.

How Georgia Enforces the Bodily Injury Requirement

Georgia enforces bodily injury liability at registration, at traffic stops, and after any at-fault crash. The state's proof-of-insurance system cross-checks your registration against active coverage.

When you register a vehicle, the county tag office verifies that your insurance policy meets the state minimums. The Department of Revenue receives electronic notice from your insurer when coverage lapses. If coverage drops and you do not replace it within the grace period, the Department of Revenue suspends your vehicle registration. Driving on a suspended registration is a separate violation that carries fines and potential license suspension.

After an at-fault crash, the other driver's insurer or the injured party can demand proof that your coverage met the minimums at the time of the crash. If your policy was below the minimums or lapsed before the crash, you are personally liable for all injury costs, and the Department of Driver Services may suspend your license under the state's Safety Responsibility Law until you post proof of financial responsibility or pay the judgment.

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Frequently Asked Questions

Does Georgia require bodily injury liability coverage?

Yes. Georgia requires bodily injury liability coverage on every registered vehicle. The state minimums are $25,000 per person and $50,000 per accident. You cannot register a vehicle or legally drive without proof of coverage that meets these limits.

What happens if I drive without bodily injury liability in Georgia?

The Department of Revenue suspends your vehicle registration if your coverage lapses. Driving on a suspended registration is a separate violation that carries fines and potential license suspension. After an at-fault crash without coverage, the Department of Driver Services may suspend your license until you post proof of financial responsibility or pay the judgment.

Do I need bodily injury liability on every vehicle I own in Georgia?

Yes. Every registered vehicle must be covered by a policy that meets Georgia's bodily injury liability minimums. A single policy covering all your vehicles satisfies the requirement for all of them, provided the policy meets the state's $25,000 per person and $50,000 per accident limits.

Can I insure multiple vehicles on one policy in Georgia?

Yes. Insuring all your household's vehicles on one policy satisfies Georgia's bodily injury liability requirement for every vehicle listed. The policy's liability limits apply to any covered driver operating any covered vehicle, and most carriers offer a multi-car discount that lowers the per-vehicle cost.

Should I carry more than Georgia's minimum bodily injury limits?

Households with multiple vehicles face higher at-fault exposure. The incremental cost per vehicle drops when all your cars sit on one policy with the multi-car discount applied.

What is the difference between per-person and per-accident bodily injury limits?

The per-person limit is the maximum your insurer pays to any single injured person in a crash you cause. The per-accident limit is the maximum your insurer pays to all injured people combined in that same crash. Both limits apply simultaneously, and you are personally liable for every dollar beyond the per-accident cap.