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 Jun 2026

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

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

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

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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.

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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.

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

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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.

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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.

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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.

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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.

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

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Georgia had 219,816 motorcycles registered in 2023.

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

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

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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).

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

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

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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.

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

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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.

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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.

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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 Jun 2026