Insurance Pages for Georgia Cities

Georgia Coverage Requirements and Choices

Georgia Minimum Auto Coverage: 25/50/25

Bodily injury per person

$25,000

Bodily injury per accident

$50,000

Property damage per accident

$25,000

Review UM/UIM, higher liability limits, comprehensive and collision separately. Report delivery, rideshare and business driving accurately; a personal policy may not cover every work use.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Georgia auto insurance requirements

Georgia Coverage Requirements and Choices

Georgia Property Coverage Questions

• Thunderstorms, hail, high winds, tornado risk, heavy rain, and hot summers can affect local claims.
• Northern and metro areas may also see winter weather events that affect driving.

Auto liability numbers do not apply to home coverage. Set dwelling and property limits from rebuilding cost, belongings, occupancy and lender or lease requirements. In Georgia, review the exact address, roof, deductible, water exclusions and any separate wind or flood policy.

Standard homeowners, renters and business policies generally exclude flood. Check the address on FEMA’s map and discuss building and contents protection separately.

FEMA address-level flood maps · Federal flood insurance guidance

Georgia Coverage Requirements and Choices

Workers Compensation in Georgia

Businesses regularly employing three or more people, including regular part-time workers, generally need workers compensation. Owner elections and subcontractor arrangements need review.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Georgia employer coverage guidance

Georgia Coverage Requirements and Choices

Choose a death benefit from income replacement, debts, childcare, education, final expenses and business obligations. A state auto minimum is not a life insurance coverage amount. Compare term length, permanent-policy guarantees, beneficiaries and affordability with your Georgia application and insurer underwriting.

NAIC life insurance consumer guide