Georgia Insurance Facts & Sources

Georgia's minimum auto liability limits are 25/50/25, among the lower minimums in the country.

Added Jun 2026 · Last checked Jul 2026

In Georgia you can recover damages only if you are less than 50 percent at fault for the crash.

Added Jun 2026 · Last checked Jul 2026

Georgia recorded 1,615 traffic fatalities in 2023, a death rate of 1.28 per 100 million vehicle miles traveled.

Added Jun 2026 · Last checked Jul 2026

An estimated 19.0% of Georgia motorists were uninsured in 2023, the 11th-highest uninsured-driver rate among the states.

Added Jun 2026 · Last checked Jul 2026

Vehicle theft is a real and rising risk for Georgia drivers: 28,171 vehicles were reported stolen in Georgia in 2023, up about 6% from 26,529 in 2022, ranking Georgia 9th highest in the nation for theft volume.

Added Jun 2026 · Last checked Jul 2026

In February 2026, Georgia's insurance department announced an approved 5% reduction in Allstate's private passenger auto insurance rates, projected to save Georgia policyholders about $17.7 million in 2026.

Added Jun 2026 · Last checked Jul 2026

In February 2026, Georgia regulators approved filings reflecting a 6% average rate reduction across three Country Mutual auto affiliates, about $7.52 million in premium savings for Georgia policyholders.

Added Jun 2026 · Last checked Jul 2026

State Farm announced an 8% return of premium for eligible Georgia auto policyholders in 2026, totaling nearly $279 million statewide, an average of about $135 per vehicle.

Added Jun 2026 · Last checked Jul 2026

State Farm's recent Georgia auto rate decreases are estimated to save Georgia families about $400 million annually, according to the state's insurance department.

Added Jun 2026 · Last checked Jul 2026

Georgia's insurance commissioner attributes 2026 auto rate decreases and consumer dividends in part to the state's recent lawsuit reform.

Added Jun 2026 · Last checked Jul 2026

In April 2026, Georgia regulators approved a 10.1% decrease in Travelers' private passenger auto insurance rates, about $40 million in premium savings statewide.

Added Jun 2026 · Last checked Jul 2026

In May 2026, Georgia's insurance department announced an approved 9% decrease in Safe Auto Choice's private passenger auto insurance rates, estimated at $7.48 million in statewide premium savings.

Added Jun 2026 · Last checked Jul 2026

On April 21, 2025, Georgia's governor signed a tort reform package into law that aims in part to stabilize insurance costs for businesses and consumers.

Added Jun 2026 · Last checked Jul 2026

Private passenger auto insurance rate filings in Georgia are reviewed and approved by the state's Office of Commissioner of Insurance and Safety Fire (OCI).

Added Jun 2026 · Last checked Jul 2026

Georgia law requires motor vehicle owners and lessees to maintain continuous liability insurance coverage on any vehicle with an active registration.

Added Jun 2026 · Last checked Jul 2026

Hail and high winds are among the most frequent severe-weather hazards in Georgia: the National Weather Service records about 19 days of damaging winds and 7 days of large hail per year on average across north and central Georgia.

Added Jun 2026 · Last checked Jul 2026

Many Georgia policies carry a separate wind and hail deductible of 1 to 5 percent of the home insured value.

Added Jun 2026 · Last checked Jul 2026

Georgia's insurance regulator says homeowners should base their coverage amount on what it would cost to rebuild the home, not its market value or tax-appraised value.

Added Jun 2026 · Last checked Jul 2026

Georgia's insurance regulator warns that meeting the standard 80 percent coinsurance requirement can still leave a homeowner underinsured if the home is a total loss, so coverage should equal the full cost to rebuild.

Added Jun 2026 · Last checked Jul 2026

North and central Georgia averages 6 tornado days, 7 large-hail days, and 19 damaging-thunderstorm-wind days every year, with the most active stretch running March through May.

Added Jun 2026 · Last checked Jul 2026

The stated mission of Georgia's Office of Commissioner of Insurance and Safety Fire is to protect Georgia families through fair regulation of insurance.

Added Jun 2026 · Last checked Jul 2026

Georgia law requires insurers to handle claims in good faith, including a prompt, fair, and equitable settlement once liability is reasonably clear.

Last checked Jul 2026

Georgia regulates insurer solvency, including risk-based capital requirements under O.C.G.A. Title 33, Chapter 56, so admitted insurers must hold adequate capital to meet their obligations.

Last checked Jul 2026

More than 25 percent of U.S. homes and businesses damaged by floods were in low-to-moderate-risk areas, so Georgia residents are urged to carry flood insurance even outside high-risk zones.

Added Jun 2026 · Last checked Jul 2026

Georgia recorded 16 recreational boating fatalities and 119 boating incidents in 2023, with 53 drownings and 56 injuries statewide.

Added Jun 2026 · Last checked Jul 2026

Georgia had 219,816 motorcycles registered in 2023.

Added Jun 2026 · Last checked Jul 2026

Georgia requires anyone born on or after January 1, 1998 to complete an approved boater education course before operating any motorized vessel on state waters.

Added Jun 2026 · Last checked Jul 2026

In Georgia, operating a boat or PWC with a blood alcohol level of 0.08 or more (age 21+) is boating under the influence, a misdemeanor punishable by fines up to $1,000 and/or up to one year in prison.

Added Jun 2026 · Last checked Jul 2026

Georgia is home to 1.3 million small businesses, which make up 99.7 percent of all businesses in the state.

Added Jun 2026 · Last checked Jul 2026

Small businesses in Georgia employ 1.7 million people, or 43.1 percent of the state's workforce.

Added Jun 2026 · Last checked Jul 2026

Georgia is home to 1.4 million small businesses, which represent 99.7 percent of all businesses in the state and employ 1.8 million people (42.5 percent of Georgia's workforce).

Added Jun 2026 · Last checked Jul 2026

Georgia requires workers' compensation for most employers with three or more employees.

Added Jun 2026 · Last checked Jul 2026

In Georgia, 12 percent of all fatal crashes in 2023 involved large trucks (commercial and non-commercial trucks over 10,000 pounds GVWR).

Added Jun 2026 · Last checked Jul 2026

In 2024, Georgia residents and businesses filed 19,797 internet-crime complaints with the FBI's IC3, the 11th-highest total of any U.S. state.

Added Jun 2026 · Last checked Jul 2026

Georgia victims reported more than $420 million in losses to internet crime in 2024, ranking the state 7th nationally for total reported cyber losses.

Added Jun 2026 · Last checked Jul 2026

Georgia ranked #2 in the nation for both reported fraud and reported identity theft on a per-capita basis in 2024, according to the FTC's Consumer Sentinel Network - second only to Florida in each category.

Added Jun 2026 · Last checked Jul 2026

Georgia has roughly 38,000 farm operations covering about 9.9 million acres, making farm and rural property a major part of the state's insurable property base.

Added Jun 2026 · Last checked Jul 2026

Georgia's farmland totals about 9.9 million acres, with the average farm operation spanning roughly 261 acres.

Added Jun 2026 · Last checked Jul 2026

Georgia has about 38,000 farm operations covering roughly 9.9 million acres, according to USDA's current state agriculture overview, underscoring the scale of farm and rural property exposure across the state.

Added Jun 2026 · Last checked Jul 2026

Forsyth County, one of north Atlanta's fastest growing counties, grew more than 40 percent between 2010 and 2020 to over 251,000 residents, pushing up home values and rebuild costs.

Added Jun 2026 · Last checked Jul 2026

The median home in Johns Creek is worth about $629,400, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Alpharetta is worth about $649,000, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Cumming is worth about $382,900, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Duluth is worth about $400,800, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Suwanee is worth about $480,600, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Buford is worth about $368,700, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Sugar Hill is worth about $413,400, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026

The median home in Lawrenceville is worth about $350,600, so many local homeowners need a dwelling coverage limit well above what an older policy may still show.

Added Jun 2026 · Last checked Jul 2026