What are the Georgia commercial auto insurance requirements?

Georgia requires liability insurance on every commercial vehicle, and the state minimum is generally $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage, often written as 25/50/25. Some operations, especially trucking and for-hire carriers, must carry much higher limits under federal and state rules. Commercial auto coverage is available through Olive Cover.

Those minimums are exactly that: a legal floor, not a safe amount of protection. A serious accident can easily cause injuries and damage far beyond $50,000, and your business is responsible for anything above your limit. That is why many Georgia businesses carry a commercial auto liability limit of $1,000,000, which is also commonly required by contracts and leasing companies.

For example, suppose one of your delivery vans runs a red light and injures two people, with combined medical and vehicle costs of $180,000. At the 25/50/25 state minimum, your policy might pay only $50,000, leaving your business to cover $130,000 out of pocket. At a $1,000,000 limit, the policy absorbs the full loss and protects your company’s finances.

Keep in mind that vehicles used for hire, larger trucks, and certain cargo can trigger additional state and federal filing requirements, so the right limit depends on what you haul and how you operate. Get a free coverage review and we will confirm Georgia’s requirements for your vehicles and recommend limits that truly protect your business.