State guide
Insurance in Georgia
Required coverage, penalties, official contacts and sources for Georgia, reviewed 2026-10.
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Car insurance
What Georgia requires.
Liability minimum 25/50/25. Claims system: fault-based claims.
| Coverage | Requirement in Georgia |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per incident |
| Property damage liability | $25,000 per incident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Not listed as a required minimum |
Required coverage
- Bodily injury liability: at least $25,000 per person and $50,000 per incident
- Property damage liability: at least $25,000 per incident
Other coverage commonly available
- Uninsured motorist
- Collision
- Comprehensive
- Medical payments
- Rental reimbursement
If you drive without required coverage
Georgia law requires you to keep proof of the required minimum insurance in the vehicle. Confirm current penalties for driving without insurance with Georgia state agencies.
Notices
What to know in Georgia.
- The Georgia Office of Insurance and Safety Fire Commissioner describes liability as the coverage Georgia drivers must have to drive on public roads, and describes physical damage coverages as optional choices.
- The commissioner's office also publishes a short list of consumer tips on its auto insurance page.
- Georgia limits shown are legal minimums. A serious crash can exceed them, so consider higher limits.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with Georgia's insurance commissioner
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Office of Insurance and Safety Fire Commissioner is the state authority for questions about insurers, agents and complaints.
Health insurance
Georgia Access
Georgia Access (state-based marketplace)
- CMS lists Georgia as a state-based exchange for plan year 2026. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Georgia Office of Insurance and Safety Fire Commissioner
- Website: oci.georgia.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
Keep going.
Open the guides for your state, or choose another state.