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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?

avatar
Jacqulyn Graber · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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.
If you’re hesitant to
switch plans or insurance providers
because you’re worried about the work involved, don’t be. Jerry does all the paperwork for you and can even help cancel your old policy! And if you have any questions along the way, just text one of our agents through the app. They will always be there to assist you.
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