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Liability Insurance — Georgia

Liability insurance pays for injuries and property damage you cause to others in an at-fault accident — it does not cover your own vehicle or medical bills.

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What Is Liability Insurance Insurance?

Liability insurance is the foundation of every auto policy in Georgia. It pays the other driver's medical bills, lost wages, and vehicle repair costs when you cause an accident. Your insurer defends you in court if the injured party sues, and pays settlements or judgments up to your policy limits. If damages exceed your limits, you pay the difference out of pocket.

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Who Needs Liability Insurance Insurance?

Every driver in Georgia must carry liability insurance to register a vehicle and drive legally. If you finance or lease a vehicle, your lender requires liability as part of full coverage. If you have assets worth protecting — a home, savings, retirement accounts — consider limits higher than the state minimum to shield those assets from lawsuits after a serious accident.

Start with Georgia's 25/50/25 minimum if you are meeting the legal requirement on a tight budget. Increase to 50/100/50 or 100/300/100 if you own a home, have retirement savings, or drive in high-traffic areas where multi-vehicle accidents are common.

How Much Does Liability Insurance Insurance Cost?

Your age and driving experience — drivers under 25 or with fewer than three years of licensed driving pay higher liability rates.

Related Coverage Types

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Uninsured and Underinsured Motorist Coverage→

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Minimum Coverage Car Insurance→

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Non-Owner Car Insurance→

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Full Coverage Car Insurance→

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Find Coverage That Keeps You Legal in Georgia

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