Georgia Dealer Insurance

Whether you’re starting a new dealership or renewing your license, navigating Georgia’s dealer insurance requirements doesn’t have to be complicated. At Insured ASAP, we make it easy to compare rates from multiple top-rated insurance carriers. Our goal is simple: get you the coverage you need at the best possible price.

Georgia Auto Dealer Insurance Requirements

If you’re opening or operating a car dealership in Georgia, you’ll need to meet specific auto dealer insurance requirements to stay compliant with state regulations. The Georgia Department of Revenue requires dealers to maintain both a valid surety bond and a garage liability insurance policy as part of the dealer license application and renewal process.

At a minimum, Georgia auto dealers must carry:

• Garage Liability Insurance: Protects your dealership from liability due to bodily injury or property damage caused by business operations. This includes test drives, service activities, and general lot exposure.
• Auto Dealer Bond Insurance: Georgia requires $35,000 surety bonds for used motor vehicle dealers. This bond ensures compliance with applicable laws and protects consumers against fraud or financial loss.

These coverages are non-negotiable if you want to obtain or maintain your dealer license in Georgia. Whether you’re selling new vehicles, used cars, or operating a wholesale dealership, your insurance must meet the standards set by Georgia.

Garage Liability Insurance in Georgia

Garage liability insurance is the backbone of any auto dealer insurance policy. In Georgia, this type of coverage protects dealerships from claims resulting from accidents, injuries, or property damage tied to dealership operations. For example, if a customer is injured during a test drive or an employee damages another vehicle on your lot, garage liability can help cover legal costs and settlements.

Georgia requires dealers to carry a minimum of $125,000 in garage liability coverage, but this may not be enough to cover serious accidents. We often recommend increasing coverage to $500,000 or $1 million, especially if your dealership has a larger inventory, more employees, or a high customer volume.

Your garage liability policy should meet or exceed the minimum liability limits set by the state. Many Georgia dealers opt for higher limits to protect against larger claims.

Used Car Dealer Insurance in Georgia

Used car dealerships face unique risks, ranging from customer test drives to service-related incidents. Insured ASAP specializes in affordable used car dealer insurance in Georgia. We work with multiple top-rated insurance carriers to help you find the best coverage for your lot, whether you’re selling five vehicles a month or 50.

We help you build a policy that may include:

• Garage liability insurance
• Garagekeepers’ liability (if you service or store customer vehicles)
• Physical damage coverage
• Commercial property insurance
• Workers’ compensation

We make it easy to meet Georgia’s dealer requirements without overpaying for coverage you don’t need. Most dealer policies can be quoted and bound the same day, so you won’t lose time waiting for coverage to activate.

Who Needs Georgia Dealer Insurance?

Georgia dealer insurance isn’t just for new car lots. Insured ASAP helps a wide range of automotive businesses across the state, including:

• Used car dealers
• Motorcycle dealerships
• Repair shops and service garages
• Tow truck operators
• Auto detailers and car wash businesses
• Tire and lube shops

Whether you’re a start-up lot or an established used car dealership, we’ll help you build a policy that meets Georgia’s licensing requirements and protects your operation from unexpected risks.

Why Choose Insured ASAP for Georgia Dealer Insurance?

Our team is committed to making the insurance process as simple and stress-free as possible. Whether you’re opening your first lot or expanding your operations, we’ll help you get covered quickly and confidently. We’ve helped hundreds of dealers across Georgia stay compliant, avoid costly coverage gaps, and get back to focusing on their business. Let us help you do the same.

Get a Georgia Dealer Insurance Quote Today

Insured ASAP makes it simple to get dealer insurance in Georgia. Whether you’re looking for garage liability insurance, used car dealer coverage, or a Georgia auto dealer bond, we’ve got you covered.

Call (800) 641-7488 or click here to get a fast, no-obligation quote and meet your Georgia auto dealer insurance requirements today.

Learn about saving on your next auto dealer’s insurance quote.