Minimum Coverage Car Insurance — Georgia
It covers damage you cause to others, but nothing on your own vehicle, and leaves you exposed if the other driver has no insurance.
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What Is Minimum Coverage Car Insurance Insurance?
Minimum coverage pays for injuries and property damage you cause to other people in an accident where you're at fault.
- An uninsured driver totals your car. Your minimum liability coverage pays nothing because you didn't cause the accident. You file a lawsuit against the other driver, but they have no assets. Without uninsured motorist coverage or collision coverage on your policy, you receive zero compensation and lose the vehicle.
Who Needs Minimum Coverage Car Insurance Insurance?
It's the legal floor for registering a vehicle in Georgia, and it keeps your license valid if you're rebuilding after a suspension or lapse.
Compare your vehicle's current value to six months of the premium difference between minimum and full coverage. If your car is worth less than that difference and you can replace it without a loan, minimum coverage works. If your car is worth more, or you'd struggle to replace it, add collision and comprehensive. If you have assets worth protecting beyond your liability limits, increase your bodily injury and property damage limits to 100/300/100 or higher.
How Much Does Minimum Coverage Car Insurance Insurance Cost?
- Your violation history — a DUI or at-fault accident in the past three years can double minimum coverage premiums.
- Your ZIP code — metro Atlanta drivers pay 30 to 50 percent more than rural Georgia drivers due to accident frequency and theft rates.
- Your age and gender — male drivers under 25 pay the highest minimum coverage rates; premiums drop significantly at age 25 and again at 55.
- Your credit-based insurance score — Georgia allows carriers to use credit history, and a poor score can increase minimum premiums by 40 to 70 percent.
