No, according to Georgia laws you will need to have your car insured in Georgia if your registration and license plates are from Georgia. Even if GA did allow you to have an out of state insurance carrier cover your vehicle it would likely be difficult to find an insurer that would cover a car that was insured in Tennessee but driven and kept out of state in Georgia.
According to the Georgia Motor Vehicle Division of the Department of Revenue motor vehicle owners and lessees in this state are required to maintain continuous GA mandatory liability insurance coverage on their vehicle(s) to:
- Legally drive the vehicle(s);
- Register and obtain Georgia license plates (tags); and,
- Renew, replace, or transfer their existing Georgia license plates (tags).
Insurers must be licensed with the Georgia Insurance and Safety Fire Commissioner’s office (ICO) to be able to issue Georgia motor vehicle liability insurance policies in order for the GA MVD to accept the coverage you have on the vehicle.
In Georgia insurers are required by law to electronically transmit insurance information to this Department’s GEICS insurance database within thirty (30) days of the date the insurance coverage is to begin. This is another reason the insurance that you place on your vehicle, which is registered and plated in Georgia, must have GA insurance, because the insurance provider must electronically connect to the state’s insurance database and transmit your policy information. An insurer from out of state would not be authorized to do so.
If your name is on the title of the car your dad purchased for you then it should not be difficult for you to get your own auto insurance on the vehicle. If your name is not on the title then there are some insurance companies that will allow you to obtain insurance without insurable interest in the car, however it would be easier for you to place coverage on the car if your name was added to the vehicle's title.
For young drivers insurance needs you can click here for a Georgia car insurance quote.
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