Minimums

• Georgia requires vehicle owners to purchase liability insurance for their vehicles. Liability insurance pays for injuries or property damage after an accident. As of 2010, drivers must purchase a minimum of $25,000 bodily injury liability insurance to cover the injuries of a single person in an accident. Additionally, drivers must have a minimum of $50,000 in bodily injury coverage to pay for the injuries of multiple persons. Drivers must also purchase a minimum of $25,000 in property damage liability insurance to pay for damages to another person's property.
  
  

Exemptions

• The automobile insurance law applies to vehicles that require registration in Georgia. Trailers, golf carts, campers, all-terrain vehicles, snowmobiles, mopeds and bicycles do not require registration or insurance. Nonresidents working in Georgia can drive for up to 30 days and visitors for 90 days with an out-of-state registration. The state gives nonresident military personnel stationed in Georgia the option of registering vehicles in their states of residency or in Georgia. Nonresident students attending school in Georgia also have the option of registering their vehicles in Georgia or their home states.
  
  

Continuous Coverage

• The law requires owners to hold continuous liability coverage for the entire time they own their vehicles. The DDS requires proof of insurance to issue driver's licenses, vehicle registrations and license plates. Failure to provide proof of continuous coverage can result in loss of driving privileges and revocation of vehicle registration.
  
  

Monitoring

• The state maintains vehicle insurance records in the Georgia Electronic Insurance Compliance System, a database system, and does not accept insurance cards as proof of insurance. The law requires insurance providers to submit insurance coverage information electronically to the GEICS database within 30 days of issuing a new policy or when a policyholder changes or terminates coverage. The system integrates with the state's vehicle title and license plate database, allowing county tax officials and law enforcement officers to determine a vehicle owner's compliance with the law.
  
  

Insurance Cards

• Insurance companies issue insurance information cards to their policyholders, describing insurance coverage. While Georgia law does not accept insurance information cards as proof of insurance coverage, insurance providers must issue cards and drivers must carry cards in their vehicles.
  
  

Suspensions

• Drivers who don't comply with minimum insurance requirements face suspension of driving privileges and loss of vehicle registration. Driver suspensions require pre-payment of six months of minimum liability coverage to restore the license and registration.