Georgia Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. Minimum coverages for the state of Georgia are $25,000 for injury, $50,000 for all injuries, and $25,000 in property damage. Commonly referred to as 25/50/25 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
The state of Georgia may suspend your registration if your vehicle becomes uninsured for a period of 10 consecutive days. A lapse fee of $25 and a $60 reinstatement fee must be paid before your plates can be renewed. These fees increase for second and third time offenders.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Below is a list of violations and their corresponding point values:


  • 15 mph but less than 19 mph – 2 points
  • 19 mph but less than 24 mph – 3 points
  • 24 mph but less than 34 mph – 4 points
  • 34 mph or more – 6 points
  • Additional Violations/Infractions

  • Reckless Driving – 4 points
  • Unlawful passing school bus – 6 points
  • Improper passing on hill or curve – 4 points
  • Disobedience of any traffic-control device or traffic officer – 3 points
  • Possessing an open container of an alcoholic beverage while driving – 2 points
  • Failure to adequately secure a load – 2 points
  • All other moving violations – 3 points
  • Child restraint – 1st offense – 1 point
  • Child restraint – 2nd and subsequent offense – 2 points
  • Aggressive driving – 6 points (A conviction of aggressive driving by a person under 21 years
    of age will result in a suspension of the driver’s license.)
  • HOV lane violation – 4th and subsequent offense. 1 point
In the state of Georgia, a driver’s license becomes suspended if a driver reaches 15 points within a 2 year period. This point total counts any points gained or violation in any other state.

Mandatory suspensions in Georgia are issued for the following convictions:

  • Homicide by vehicle.
  • A conviction for driving under the influence of alcohol or drugs.
  • Any felony in the commission of which a motor vehicle is used.
  • Using a motor vehicle in fleeing or attempting to elude an officer.
  • Fraudulent or fictitious use of, or application for a license.
  • Hit and run or leaving the scene of an accident.
  • Racing.
  • If you refuse to take a chemical test for intoxication, then your license will be suspended for 12 months.
  • Operating a motor vehicle with a revoked, canceled, or suspended registration in violation of Code Section 40-6-15.
  • Conviction for driving without insurance is a 60/90-day suspension.
  • If convicted for driving while license is suspended, revoked or canceled, your driver’s license will be further suspended for six months.
  • If you fail to appear in court or respond to a citation, your license may be suspended indefinitely.
  • Your driver’s license will be suspended if you are convicted of possession, distribution, manufacture, cultivation, sale or transfer of a controlled substance or marijuana.

In addition, Georgia has a Habitual Violator Law. The penalty for reaching this ‘HV’ status is a 5 year suspension.

A driver is considered an HV if they are convicted three times for any combination of the following offenses within a 5 year period:

  • DUI
  • Homicide by vehicle
  • Felony committed using a motor vehicle
  • Hit and Run or leaving the scene of an accident
  • Racing
  • Fleeing or eluding an officer
  • Fraudulent or fictitious use of or application for a license

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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