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- Fault systemGeorgia is an at-fault (tort) state; it repealed its no-fault law in 1991.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
Disasters, floods, hail, tornadoes and earthquakes in Georgia
| 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.
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 nonresident insurance producer license in Georgia (NPN 21022298), so requests from Georgia are handled by him 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.
Sources
- Georgia: Minimum car insurance
- Georgia: Fault system
- Georgia: Workers’ compensation
- Georgia: Home insurer of last resort
- Georgia: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.