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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

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