Georgia was a no fault state from 1975 to 1991. They have since repealed their no-fault law. As a Georgia resident, you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is compulsory in Georgia.
Georgia has low minimum liability limits, $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $20,000 for damage you cause to the other party's property. Other options include medical payments, blanket umbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
If you are convicted of DUI in Georgia (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Georgia Automobile Insurance Plan (GAAIP). It was created in 1949 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Georgia are a 60-day license suspension and registration suspension.
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