How much auto liability does Georgia require, and why does it affect umbrella coverage?

Quick answer: Georgia sets minimum auto liability at 25/50/25 under O.C.G.A. 33-7-11, meaning $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Those limits sit below what carriers require before adding a $1 million personal umbrella, so raising underlying limits is often part of qualifying.