Yes No
We Value Your Privacy. We are commited to privacy & strictly adhere to our privacy policy. For further details, please read our privacy policy.

Georgia Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Georgia. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Georgia.

GA Auto Insurance Laws and Regulations:

Georgia Dept. of Insurance
2 Martin Luther King, Jr. Dr., West Tower, Suite 716
Atlanta, GA 30334

Minimum Car Insurance Coverage in GA:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

GA Insurance is Not Required on:

Off-highway vehicles

Vehicles sold or the ownership transferred; Owner moved to another state or the ownership was transferred out of state; Vehicle lease was terminated

Vehicle was wrecked, salvaged, or junked; Vehicle was repossessed, stolen, or not driven because it was inoperable; Vehicle was stored or used seasonally for agricultural purposes

Those in the military: You are also exempt if deployed and the vehicle is not being driven. You will need to file an affidavit to claim your exemption. You can file this before, during, or after your deployment at your local tag office.


GA Uninsured Penalties:

You could suffer stiff penalties and your vehicle registration could be suspended if your insurance policy lapses or is cancelled. The state defines the word "lapse" as 10 or more days without continuous coverage.

If your coverage lapses, you will be fined a $25 lapse fee and a $60 reinstatement fee before you can renew your license plates. It is a misdemeanor to drive a vehicle with a suspended registration, so you could face additional penalties, fines, or even impoundment if you are stopped by law enforcement without insurance coverage.

For second- and third-time insurance offenders, the penalties and fees increase. By the third offense, you will pay a $25 lapse fee and a $160 reinstatement fee, and your vehicle's registration will be suspended for six months. If you are convicted of driving the car during this time, even harsher penalties will apply.

Georgia will penalize you if your coverage lapses: A lapse in Georgia is only 10 days, so be sure to keep your policies current and notify the state if you change insurance carriers. In the case of lapse of coverage, you will be fined $25, plus a $60 reinstatement fee to make your registration valid. If you fail to rectify the situation and you drive with a suspended registration, you're committing a misdemeanor and could face additional fines and impoundment. Second and third offenses face tougher penalties.


GA Department of Insurance Contact Information:

1-404-656-2070 or
Toll Free: 1-800-656-2298

GA State Insurance Department Website:





Directory of Georgia Auto Insurance Agents by County

Appling
Atkinson
Bacon
Baldwin
Banks
Barrow
Bartow
Ben Hill
Berrien
Bibb
Bleckley
Brantley
Brooks
Bryan
Bulloch
Burke
Butts
Calhoun
Camden
Candler
Carroll
Catoosa
Charlton
Chatham
Chattahoochee
Chattooga
Cherokee
Clarke
Clayton
Clinch
Cobb
Coffee
Colquitt
Columbia
Cook
Coweta
Crawford
Crisp
Dade
Dawson
Decatur
Dekalb
Dodge
Dooly
Dougherty
Douglas
Early
Effingham
Elbert
Emanuel
Evans
Fannin
Fayette
Floyd
Forsyth
Franklin
Fulton
Gilmer
Glascock
Glynn
Gordon
Grady
Greene
Gwinnett
Habersham
Hall
Hancock
Haralson
Harris
Hart
Heard
Henry
Houston
Irwin
Jackson
Jasper
Jeff Davis
Jefferson
Jenkins
Johnson
Jones
Lamar
Lanier
Laurens
Lee
Liberty
Lincoln
Lowndes
Lumpkin
Macon
Madison
Marion
Mcduffie
Mcintosh
Meriwether
Miller
Mitchell
Monroe
Montgomery
Morgan
Murray
Muscogee
Newton
Oconee
Oglethorpe
Paulding
Peach
Pickens
Pierce
Pike
Polk
Pulaski
Putnam
Rabun
Randolph
Richmond
Rockdale
Schley
Screven
Seminole
Spalding
Stephens
Stewart
Sumter
Taliaferro
Tattnall
Taylor
Telfair
Terrell
Thomas
Tift
Toombs
Towns
Treutlen
Troup
Turner
Twiggs
Union
Upson
Walker
Walton
Ware
Warren
Washington
Wayne
Webster
White
Whitfield
Wilcox
Wilkes
Wilkinson
Worth

Ads by Google