Are Georgia state minimum auto insurance limits enough?

Roughly 12 percent of Georgia drivers carry no auto insurance, and a meaningful additional percentage carry only the 25/50/25 state minimum. A single serious accident with medical bills and lost wages can exhaust those minimums in hours. We recommend 100/300/100 liability as a starting point for most Georgia families, with matched uninsured motorist limits. If you have meaningful assets, add an umbrella policy above that. The cost difference between the state minimum and 100/300/100 is typically $150 to $400 per year on a standard vehicle with a clean record.