Insurance in Georgia: State Rules and Requirements

Insurance in Georgia

The rules that shape car, home and business insurance in Georgia, each linked to its official source, and how to get coverage shopped here. Sam Alishahi holds a Georgia nonresident insurance producer license (#3945833, NPN 21022298) and places Georgia policies directly.

By Sam Alishahi · Reviewed October 2026

Car insurance in Georgia (25/50/25)

Minimum car insuranceGeorgia requires at least $25,000 bodily injury liability per person, $50,000 per incident and $25,000 property damage liability. PIP is not required. Insurers must offer uninsured motorist coverage for bodily injury and property damage. Source
Fault systemGeorgia is an at-fault (tort) state; it repealed its no-fault law in 1991. Source

Business insurance rules in Georgia

Workers’ compensationGeorgia businesses that regularly employ three or more people must carry workers' comp. Regular part-time workers count, and corporate officers and LLC members count too. Up to five officers or members can waive coverage for themselves on form WC-10. The state is not monopolistic. Source

Home insurance in Georgia

Home insurer of last resortThe Georgia Underwriting Association runs the state's FAIR Plan, the insurer of last resort for property owners who can't get coverage in the standard market, under oversight of the Insurance Commissioner's office. It also runs a FORTIFIED Home program. Source

High-value homes in Georgia.

Disasters, floods, hail, tornadoes and earthquakes in Georgia

Georgia disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Georgia	Rank among the states	Detail
Federal major disaster declarations since 2000	24	#28 (tied) of 51	Most often for severe storm (12), hurricane (8), severe ice storm (2). Tattnall County has been in 9 of them.
National Flood Insurance Program claims, 2005–2025	13,293	#17 of 51	$366.9 million paid; 35% of claims with a known flood zone were outside FEMA’s high-risk zones.
Homes in high-risk flood zones with a federal flood policy	43%	#12 of 50	30,853 policies for 72,036 homes in the counties FEMA can measure; US: 40%.
Hail reports, 2016–2025	1,142	#27 of 51	38 of them 2 inches or larger. Largest stone 4 inches, Colquitt County, June 2023.
Tornadoes, 2016–2025	495	#11 of 51	52 rated EF2 or stronger; 2,014 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	0	—	None of magnitude 4.0 or greater recorded in or near the state.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Georgia.

The property risks that matter in Georgia

Coastal Georgia faces hurricane and storm-surge risk while north Georgia sees tornadoes and occasional ice storms.

Hurricane exposure shapes nearly every Georgia homeowners policy near the coast. Look for a separate hurricane or named-storm deductible, often a percentage of the dwelling limit rather than a flat dollar amount, and confirm whether wind is excluded and must be insured elsewhere.

Tornado and straight-line wind damage is generally covered by homeowners policies as windstorm, but many Georgia policies now apply a separate wind/hail deductible. Know the dollar amount before spring storm season.

Standard homeowners and renters policies exclude flood. In Georgia, flood coverage comes from the National Flood Insurance Program (NFIP) or a private flood insurer, and NFIP policies generally carry a 30-day waiting period, so buy before storm season. Check your address on FEMA's Flood Map Service Center.

Georgia coverage checkup

Compare your auto liability limits with the Georgia minimum of 25/50/25 and with your actual assets.
Find your hurricane or named-storm deductible in dollars and set aside that amount.
Confirm whether your wind/hail deductible is a flat amount or a percentage.
Check your address on FEMA's Flood Map Service Center and price an NFIP or private flood policy before storm season (NFIP usually has a 30-day wait).
Keep a current home inventory stored off-site.

Georgia’s insurance regulator

Insurance in Georgia is regulated by the Georgia Office of Commissioner of Insurance and Safety Fire, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a Georgia nonresident insurance producer license (#3945833, NPN 21022298) and places Georgia policies directly.

Common questions

What is the minimum car insurance in Georgia?

Georgia requires at least $25,000 bodily injury liability per person, $50,000 per incident and $25,000 property damage liability. PIP is not required. Insurers must offer uninsured motorist coverage for bodily injury and property damage.

Is Georgia a no-fault state?

Georgia is an at-fault (tort) state; it repealed its no-fault law in 1991.

Do employers in Georgia need workers’ comp?

Georgia businesses that regularly employ three or more people must carry workers' comp. Regular part-time workers count, and corporate officers and LLC members count too. Up to five officers or members can waive coverage for themselves on form WC-10. The state is not monopolistic.

What can a Georgia homeowner do if no insurer will write the house?

The Georgia Underwriting Association runs the state's FAIR Plan, the insurer of last resort for property owners who can't get coverage in the standard market, under oversight of the Insurance Commissioner's office. It also runs a FORTIFIED Home program.

Does Georgia homeowners insurance cover hurricanes?

Wind damage from hurricanes is generally covered, often subject to a separate hurricane deductible. Storm-surge flooding requires flood insurance.

Are tornadoes covered by homeowners insurance in Georgia?

Yes, as windstorm damage, subject to your deductible, which may be a separate wind/hail deductible.

More answers: Georgia homeowners insurance guide Georgia renters insurance and security deposit guide Georgia life insurance consumer guide Georgia flood risk and NFIP guide Atlanta home and auto insurance guide Augusta home and auto insurance guide Columbus home and auto insurance guide Guía de seguro de inquilinos y depósito de garantía en Georgia Guía de seguro de vida para consumidores en Georgia Guía de riesgo de inundación y NFIP en Georgia

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Georgia