Do I need uninsured motorist coverage in Georgia?

I recently moved to Georgia and need to switch over my car insurance policy. Is uninsured motorist coverage required in Georgia?

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Answer provided by
Jacqulyn Graber
Answered on Jun 14, 2022
Congratulations on the big move! Switching over your car insurance policy to something that meets Georgia’s minimum liability insurance requirements is an important to-do list item. Technically, you don’t need uninsured motorist coverage in Georgia—it’s not legally required—but it’s still a good idea to get this insurance.
Uninsured motorist coverage and underinsured motorist coverage pay for medical bills and other expenses for you and your passengers if you’re in a car accident caused by drivers who don’t carry liability insurance, or who don’t have enough liability insurance to cover your damages.
In Georgia, this coverage is especially important to consider. In 2019, the Insurance Information Institute estimated that 12.4% of Georgian drivers are uninsured, despite legal requirements. This means that, in the event of an accident, there is a considerably high chance that the other party is uninsured—and an even higher risk that they’re underinsured.
Although uninsured motorist coverage is optional in Georgia, all drivers must meet the state’s minimum requirements for liability insurance:
Don’t get stuck in a hard situation without adequate coverage. Instead, use the Jerry app to find a car insurance policy that meets Georgia’s legal requirements and is further customized for you.
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