In Georgia, vehicle owners are required to carry at least 25/50/25 in liability insurance. A minimum coverage policy is the cheapest type of car insurance you can have, but it also provides the least amount of protection. Most insurance agents recommend that drivers in Georgia purchase full coverage, which includes liability insurance, collision insurance, comprehensive insurance, and medical payments insurance.  

Uninsured motorist insurance covers different things than collision insurance and comprehensive insurance. Collision and comprehensive insurance cover your vehicle damages after an accident or non-collision incident. Uninsured motorist insurance covers your losses if you get into an accident with a driver that doesn’t have car insurance. However, uninsured motorist insurance includes property damage liability insurance, so it would help cover your car repair costs if you were hit by a driver that was uninsured. 

Comprehensive insurance and collision insurance are not legally required in Georgia, unless a lender requires it. These two policies, which are often bundled together as part of a full coverage policy, cover physical damage to your vehicle and theft. Most drivers in Georgia can benefit from having full coverage, especially if you drive a newer vehicle or couldn’t afford to pay for your vehicle’s repairs out-of-pocket after an accident. 

All vehicle owners in Georgia are legally required to carry personal liability insurance. This type of insurance covers your financial responsibility when you cause an accident that results in another person’s injuries or property damage. For drivers who lease or finance a car, many lenders require a full coverage policy, with collision and comprehensive insurance.