{"id":10502,"date":"2025-01-06T21:03:37","date_gmt":"2025-01-06T21:03:37","guid":{"rendered":"https:\/\/veloxinsurance.com\/blog\/?p=10502"},"modified":"2025-01-03T21:04:07","modified_gmt":"2025-01-03T21:04:07","slug":"new-georgia-resident-auto-insurance-guide","status":"publish","type":"post","link":"https:\/\/veloxinsurance.com\/blog\/new-georgia-resident-auto-insurance-guide\/","title":{"rendered":"Navigating Auto Insurance for New Georgia Residents\u00a0"},"content":{"rendered":"\n<p>Moving to Georgia? Whether you\u2019re here for the peaches, the football, or the sweet tea, there\u2019s one thing you can\u2019t skip: <a href=\"https:\/\/veloxinsurance.com\/auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">car insurance<\/a>. Georgia has specific rules about auto coverage, and getting it right is important for staying legal and safe on the road. Let\u2019s break it all down (or maybe that\u2019s a poor choice of words for a Georgia car insurance guide) so you can hit the ground running \u2014 or driving.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Ins and Outs of Georgia Minimum Liability Coverage<\/strong>&nbsp;<\/h2>\n\n\n\n<p>In Georgia, every driver must carry minimum liability insurance. Here\u2019s what you\u2019ll need:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>$25,000<\/strong> for bodily injury per person&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>$50,000<\/strong> for bodily injury per accident&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>$25,000<\/strong> for property damage&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>This is called 25\/50\/25 coverage. It\u2019s the bare minimum, and it protects other drivers if you cause an accident. But keep in mind: it won\u2019t cover your own car or medical expenses.&nbsp;<\/p>\n\n\n\n<p>If you want to dive into the official requirements, the <a href=\"https:\/\/oci.georgia.gov\/insurance-resources\/auto\" target=\"_blank\" rel=\"noreferrer noopener\">Georgia Office of Insurance and Safety Fire Commissioner\u2019s<\/a> website has the details about GA car insurance.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Carrying Adequate Insurance Is Critical in the Peach State<\/strong>&nbsp;<\/h2>\n\n\n\n<p><a href=\"https:\/\/veloxinsurance.com\/blog\/is-georgia-an-at-fault-state-car-accident\/\" target=\"_blank\" rel=\"noreferrer noopener\">Georgia is an \u201cat-fault\u201d state<\/a>. That means if you cause an accident, you\u2019re responsible for the costs. If you don\u2019t have enough coverage, you\u2019ll have to pay out of pocket. Medical bills, repairs, and even legal fees can add up fast.&nbsp;<\/p>\n\n\n\n<p>Also, driving without auto insurance in Georgia has serious consequences. Georgia law slaps you with fines up to $185 for a first offense, suspension of your vehicle registration, a reinstatement fee to get your registration back, and a whole heck of a lot of other administrative annoyances that you probably don\u2019t actually want to be dealing with, ever.&nbsp;<\/p>\n\n\n\n<p>It\u2019s cheaper (and a lot less stressful) to carry the right insurance from the start.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Assessing Your Insurance Needs as a New Resident<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Moving here gives you the perfect chance to review your coverage as a new Georgia resident. Here are a few questions to ask yourself <em>and <\/em>your agent when you go shopping for a new policy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do I Need Full Coverage?<\/strong>&nbsp;<\/h3>\n\n\n\n<p>If your car is financed or leased, you\u2019ll probably need it. <a href=\"https:\/\/veloxinsurance.com\/blog\/what-is-full-coverage-auto-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Full coverage<\/a> includes collision and comprehensive insurance, protecting your car no matter who\u2019s at fault or what causes damage or loss. Topping off your liability protection can also go a long way toward giving you peace of mind in the event that you get into a serious accident that harms others.\u00a0<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2.jpg\" alt=\"Blurred image showing fast cars on highways around Atlanta - cheap car insurance in Georgia.\" class=\"wp-image-10503\" style=\"width:680px;height:454px\" width=\"680\" height=\"454\" srcset=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2.jpg 1000w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-300x200.jpg 300w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-768x513.jpg 768w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-719x480.jpg 719w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-240x160.jpg 240w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-479x320.jpg 479w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-299x200.jpg 299w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-180x120.jpg 180w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/01\/velox-navigating-auto-insurance-for-new-georgia-residents-2-210x140.jpg 210w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>What\u2019s My Budget?<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Balancing costs with adequate coverage is key. A higher deductible can lower your premium but means more out-of-pocket costs in an accident. You\u2019ll want to weigh the pros and cons. Some drivers also believe they can self-insure a portion of their needs, so if you fall into that group, you can decide how much makes sense for your specific life circumstances.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do I Qualify for Discounts?<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Many insurers offer breaks for bundling home and auto policies, maintaining a clean driving record, or even being a good student.&nbsp;<\/p>\n\n\n\n<p>Not sure where to start? Talk to your agent first and foremost to get a sense of what other drivers like you need. You should also take a careful look at your own financial situation to get a sense of what amount of risk you\u2019re willing to take on and what amount of that risk you feel OK offloading to your insurer.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Checklist for Registering and Insuring Your Vehicle<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Getting your car registered and insured in Georgia involves a few steps. Follow this simple checklist to get going:&nbsp;<\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Update your address.<\/strong> The DMV requires proof of residency, like a utility bill or lease agreement.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\">\n<li><strong>Get Georgia insurance.<\/strong> Your current policy won\u2019t cut it. You need insurance from a company licensed to operate in Georgia.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\">\n<li><strong>Register your vehicle.<\/strong> Do this at your local county tag office within 30 days of moving. You\u2019ll need:&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>                    A. Your Georgia driver\u2019s license\u00a0<\/p>\n\n\n\n<p>                     B. Proof of insurance\u00a0<\/p>\n\n\n\n<p>                    C. Your car\u2019s title\u00a0<\/p>\n\n\n\n<ol start=\"4\">\n<li><strong>Payment for the Title Ad Valorem Tax<\/strong> (TAVT), which is 6.6% of your vehicle\u2019s fair market value. <a href=\"https:\/\/veloxinsurance.com\/blog\/georgia-tavt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Georgia TAVT<\/a> might seem complicated, but it\u2019s actually not too tricky to figure out and calculate for yourself.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\">\n<li><strong>Pass an emissions test.<\/strong> Required for vehicles in the Atlanta metro area. Check the Georgia Department of Revenue\u2019s website for locations.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>And there you go \u2013 a quick checklist for getting up and running in Georgia.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>On the Road: Complying with Georgia\u2019s Driving Laws<\/strong>\u00a0<\/h2>\n\n\n\n<p>Every state has quirks, and Georgia is no different. Here are a few laws you might not know:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Hands-Free Law<\/strong>: It\u2019s illegal to hold your phone while driving. Use Bluetooth or a hands-free device instead.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Move Over Law:<\/strong> If you see emergency vehicles on the shoulder, move one lane over or slow down. It\u2019s the law.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Super Speeder Fine<\/strong>: If you\u2019re caught driving 75 mph or more on a two-lane road (or 85 mph on a highway), you\u2019ll pay an extra $200 fine on top of your ticket.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Of course, the most important law of all is that of common sense. Here in Georgia, a good dose of common sense can go a long way toward keeping you safe on the road. Drive safely, don\u2019t take risks, and make sure to keep your eye on the prize.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Welcome to Georgia! Velox Insurance Is Happy You\u2019re Here<\/strong>&nbsp;<\/h2>\n\n\n\n<p>And there you have it. Car insurance requirements in Georgia aren\u2019t too tough to sort out, especially if you\u2019ve had to hold a policy in a different state. At the end of the day, you just need to follow the state\u2019s registration rules, hold a policy that meets the requirements, and continue to be a responsible driver and stay out of trouble. That\u2019s peachy keen!&nbsp;<\/p>\n\n\n\n<p>Starting fresh in a new state can feel overwhelming, but your auto insurance doesn\u2019t have to be. At Velox Insurance, we make it easy to compare quotes, find coverage and hit the road with confidence. <a href=\"https:\/\/veloxinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Check out our online quote tool<\/a> to see how much you can save. Whether you\u2019re in Atlanta, Macon, or a quiet corner of Georgia, we\u2019ve got you covered at one of our local <a href=\"https:\/\/locations.veloxinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">offices<\/a>. You can also give us a call at <a href=\"tel:(855)%20468-3569\" target=\"_blank\" rel=\"noreferrer noopener\">(855) 468-3569<\/a>!&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moving to Georgia? Whether you\u2019re here for the peaches, the football, or the sweet tea, there\u2019s one thing you can\u2019t skip: car insurance. Georgia has specific rules about auto coverage, and getting it right is important for staying legal and safe on the road. Let\u2019s break it all down (or maybe that\u2019s a poor choice [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10504,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10502"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10502"}],"version-history":[{"count":1,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10502\/revisions"}],"predecessor-version":[{"id":10505,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10502\/revisions\/10505"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/10504"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}