Georgia Insurance Requirements & Rates

Georgia requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). Georgia is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

Georgia homeowners face risks from hurricanes, tornadoes, severe thunderstorms, flooding. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $2,289.

Georgia requires all motorcycle riders to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is year-round.

Yes, workers' compensation insurance is required in Georgia. Businesses with fewer than 3 employees exempt. Georgia has approximately 1,100,000 small businesses, with top industries including Logistics & Transportation, Film & Entertainment, Technology.

No, Georgia has not expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 13.4%.

Yes, landlords in Georgia can require tenants to carry renters insurance as a condition of the lease. About 36% of Georgia residents are renters, with average monthly rent of $1,200.

With a median household income of $65,030, most Georgia families should consider 10-12x their annual income in life insurance coverage. Currently, 50% of Georgia households have life insurance.