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Georgia Minimum Car Insurance and Penalties for Driving Without It
The short answer
Georgia requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
Georgia at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | No other coverage is required besides liability. |
| First offense for driving uninsured | For a first No Insurance offense, your license must stay suspended for 60 days before you can reinstate it, and no limited permit is available. A nolo contendere plea can avoid the suspension if it is your first such offense within five years; the court decides. The DDS reinstatement fee is $200 by mail or $210 in person. |
| Repeat offense | For a second or later offense, your license must stay suspended for 90 days before reinstatement, no limited permit is available, and you must keep an SR-22A policy for three years. The DDS reinstatement fee is $300 by mail or $310 in person. |
| Fee to restore after a lapse | Driver license (DDS): $200 by mail or $210 in person for a first offense, and $300 or $310 for a second or later offense. Registration (DOR): a $25 lapse fine plus a $60 reinstatement fee, or $160 with three or more suspensions within five years; up to $160 more can be added if the $25 fine is not paid within 30 days. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Georgia?
Georgia requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
What happens if you drive without insurance in Georgia?
For a first No Insurance offense, your license must stay suspended for 60 days before you can reinstate it, and no limited permit is available. A nolo contendere plea can avoid the suspension if it is your first such offense within five years; the court decides. The DDS reinstatement fee is $200 by mail or $210 in person.
Sources
- dds.georgia.gov/reinstatement-faqs-no-proof-insurance-multiple-convictions
- oci.georgia.gov/auto
- dds.georgia.gov/reinstatement-fees-and-payment
- dds.georgia.gov/no-proof-insurance-first
- dds.georgia.gov/no-proof-insurance-multiple
- dds.georgia.gov/1146
- dor.georgia.gov/registration-reinstatement-after-suspension
- dor.georgia.gov/loss-insurance-coverage
- dor.georgia.gov/penalties-and-fines-lapse-insurance-coverage