Georgia Minimum Car Insurance Requirements
Georgia requires minimum liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. You must carry proof of insurance at all times while driving.
Driving without insurance in Georgia results in license suspension, fines up to $1,000, and possible jail time. Your vehicle can be impounded.
If you cause an accident without insurance, you are personally liable for all damages.
Can Immigrants Get a Driver 驾照 in Georgia?
Georgia does NOT currently issue driver licenses to undocumented immigrants. You need a valid Social Security number or ITIN to apply for a Georgia license.
If you have ITIN, bring: proof of identity, proof of Georgia residency, and your ITIN letter from the IRS. Visit your local Georgia DMV.
If you cannot get a Georgia license, you may still buy insurance using an ITIN and an official ID from your home country.
Best Insurance Options for Immigrants in Georgia
Many major insurers in Georgia accept ITIN numbers instead of SSN: GEICO, State Farm, Progressive, and Allstate are common options. Always call ahead and ask "Do you accept ITIN for car insurance?"
Without a US driving history, expect higher rates. Get quotes from at least 3 companies. Online quotes are free and private.
You do NOT need a US credit score to buy insurance in Georgia.
Tips for Immigrant Drivers in Georgia
Keep your insurance card, vehicle registration, and valid ID in your car at all times. If stopped by police, stay calm and polite.
Buying insurance does NOT report you to immigration authorities. Insurance companies follow privacy law and cannot share customer data with ICE.
If you have questions about your rights during a traffic stop, visit the American Civil Liberties Union website for guidance specific to Georgia.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Liability coverage |
| Bodily Injury (per accident) | $50,000 | Liability coverage |
| Property Damage | $25,000 | Liability coverage |
| Uninsured Motorist (BI per person) | $25,000 | Required in Georgia |
| Uninsured Motorist (BI per accident) | $50,000 | Required in Georgia |
| Uninsured Motorist (PD) | $25,000 | Required in Georgia |
| Medical Payments (PIP) | Optional | Not required in Georgia |
📋 Official Sources
Frequently Asked 常见问题
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Insurance companies accept ITIN. Getting insurance does not report you to ICE. Insurance data is protected by federal privacy law.
No. Georgia does not issue driver licenses to undocumented immigrants. You need proof of legal presence. Check Georgia DMV for current requirements and acceptable documents.
Georgia requires: 25/50/25 liability (25k bodily injury per person, 50k total, 25k property damage). Uninsured motorist coverage also required. Rates vary by driver and vehicle.
State Farm, Allstate, Geico, and regional insurers work with ITIN holders. Get quotes from multiple companies. Ask directly if they accept ITIN. Rates vary.
Insurance companies may accept a foreign license temporarily with an IDP (International Driving Permit). Some require a Georgia license eventually. Ask your insurer directly about their policy.
