It's important to be aware of the compulsory insurance requirements in Georgia so that you can make informed decisions about your car insurance and other types of coverage. Compulsory insurance is defined as insurance that is required by law, rather than being a choice you make. In Georgia, all drivers are required to have liability insurance in the form of $25,000 property damage liability (PDL) per incident. Additionally, all drivers must have car insurance in the form of comprehensive or collision coverage.