Georgia sets minimum car insurance requirements by law, but the state minimum is rarely enough to fully protect you after a serious accident. Here is a simple way to think through how much coverage actually makes sense for you. Georgia's Legal Minimum Georgia requires drivers to carry liability coverage of at least 25/50/25: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal floor, not necessarily a safe amount if