Georgia insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Georgia. Updated Oct 12, 2026.
Georgia DOI page content changed
Georgia DOI Website · Oct 16, 2026
Department of Insurance
The regulatory environment in Georgia is designed to protect consumers while ensuring that insurance companies operate fairly and efficiently. The Office of Insurance and Safety Fire Commissioner oversees the licensing and regulation of insurance companies, investigates fraud, and enforces compliance with state laws.
Auto Insurance
Notable Laws
- O.C.G.A. § 33-7-11 - Requires insurers to offer uninsured/underinsured motorist coverage equal to liability limits; policyholders may reject or select lower limits in writing
- O.C.G.A. § 33-34-4 - Mandatory minimum liability coverage: $25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage (25/50/25)
- O.C.G.A. § 40-5-70 - License, tag, and registration suspended for 60 days for operating vehicle without insurance; reinstatement fee of $60
- O.C.G.A. § 40-6-10 - Criminal penalty for driving without insurance: $200-$1,000 fine, up to 12 months jail for repeat offenses
- O.C.G.A. § 33-7-16 - DUI offenders must maintain increased liability coverage (first offense: 50/100/50; second offense: 100/300/100) for 3 years from conviction date, enacted by SB 121 (2025)
- O.C.G.A. § 33-7-1 (Liability Insurance Requirements)
- O.C.G.A. § 33-7-11 (Uninsured Motorist Coverage)
- O.C.G.A. § 33-7-12 (Underinsured Motorist Coverage)
- O.C.G.A. § 33-7-6 (Financial Responsibility)
- O.C.G.A. § 33-7-4 (Motor Vehicle Insurance Fraud)
Homeowners Insurance
Notable Laws
- O.C.G.A. § 33-24-46 - Nonrenewal notice: Must provide written notice at least 30 days before nonrenewal; prohibits nonrenewal based on 2 or fewer claims in 36 months unless due to insured's negligence
- O.C.G.A. § 33-24-44 - Cancellation notice: 30 days advance notice required except 10 days for nonpayment of premium; limited cancellation grounds after 60 days of coverage
- O.C.G.A. § 33-24-91 - Credit scoring permitted: Insurers may use credit information and insurance scores for underwriting and rating, subject to consumer protections
- O.C.G.A. § 48-7-29.25 - Catastrophe Savings Accounts: Tax-deductible accounts for insurance deductibles and disaster expenses (HB 511, 2025)
- O.C.G.A. § 33-34-1 et seq. - Georgia Underwriting Association (FAIR Plan): Provides property insurance for those unable to obtain coverage in voluntary market
- O.C.G.A. § 33-24-1 (Homeowners Insurance Regulations)
- O.C.G.A. § 33-24-2 (Cancellation and Nonrenewal)
- O.C.G.A. § 33-24-3 (Credit Scoring)
- O.C.G.A. § 33-24-4 (Fair Plan)
Recent Bulletins
City of Columbus v. Kennedy and Re-filing of 2026 Rates
Provides guidance to health insurers on Georgia Access regarding the impact of the City of Columbus v. Kennedy litigation on Plan Year 2026 rates. Due to a federal court injunction staying certain Actuarial Value (AV) policy rules, OCI is allowing a limited re-filing period for plans that are now out of compliance.
View bulletinImplementation of New Compliance Review Program
Announces the implementation of a new Compliance Review Program for Georgia-licensed surplus lines brokers, starting in October 2025. Reviews will verify that policies are properly filed, premium taxes are accurately reported/paid, and records align with state laws.
View bulletinFostering Success Act Tax Credit Program
Provides information on the Fostering Success Act Tax Credit Program for insurers and taxpayers.
View bulletinStep Therapy Prohibited for Stage-Four Metastatic Cancer
Notifies health insurers that step therapy protocols are prohibited for patients with stage-four metastatic cancer under Georgia law.
View bulletinMandated Coverage of Biomarker Testing
Informs health insurers of the mandate to cover biomarker testing under Georgia insurance law.
View bulletinRecent Law Changes
Increased Insurance Requirements for DUI Convictions
Increases minimum liability coverage required for individuals convicted of driving under the influence. First conviction requires 50/100/50 coverage; second or subsequent conviction requires 100/300/100 coverage. Coverage must be maintained for 3 years from date of conviction.
DUI offenders must carry significantly higher insurance minimums, increasing costs for repeat offenders and enhancing protection for accident victims.
Effective: 2025-04-09
Catastrophe Savings Accounts
Creates tax-advantaged catastrophe savings accounts allowing Georgia homeowners to save pre-tax dollars for insurance deductibles and disaster-related expenses not covered by homeowners insurance. Self-insured taxpayers can contribute up to $250,000.
Homeowners can save tax-free for disaster repairs and insurance deductibles, reducing financial burden from natural disasters and high deductibles.
Effective: 2025-07-01
Expansion of Captive Insurance Framework
Expands the regulatory framework for limited purpose subsidiaries and captive insurance companies by removing prior limitations on the types of insurance or reinsurance that captives may underwrite. Broadens definitions and extends coverage abilities.
Captive insurance companies in Georgia gain more flexibility to underwrite diverse insurance lines, making Georgia more competitive for captive domiciles.
Effective: 2025-05-14
Georgia Tort Reform Act
Comprehensive tort reform aimed at reducing inflated claims and litigation costs. Limits on certain damages, allows seatbelt evidence in court, bans phantom damages and anchoring tactics. Expected to reduce insurance costs by limiting excessive verdicts.
Insurers and businesses benefit from reduced litigation exposure and claim costs, which may lead to lower premiums for consumers across multiple insurance lines.
Effective: 2025-04-22
Georgia Mental Health Parity Act
Requires health insurers to provide coverage for mental health and substance use disorders in accordance with federal Mental Health Parity laws. Mandates annual reporting of comparative analyses to demonstrate compliance. Commissioner has authority to impose fines up to $25 million for violations.
Georgians with mental health or substance use disorders gain equal access to coverage and treatment, with insurers facing significant penalties for non-compliance.
Effective: 2022-07-01
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