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Georgia auto insurance rates are finally dropping
Millions of Georgia drivers could see lower auto insurance costs in 2026 as major insurers reduce rates following years of steep increases that made Georgia one of the most expensive states in the country for car insurance. What’s happening: More than…
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Georgia auto insurance rates are dropping for millions of policies after years of increases
After years of steep increases in the cost of auto insurance, millions of Georgia policies are getting a price break. Channel 2 Action News Investigates obtained new data from the state showing dozens of insurance companies have received approval to lower…
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41 Insurance Companies Cut Rates in Georgia, Saving Policyholders Over $500 Million, Lawmakers Say
Atlanta, GA, October 27, 2026: Forty-one insurance companies have reduced their rates in Georgia this year, providing more than $500 million in savings to drivers, homeowners and businesses, according to an announcement by Georgia House Speaker Jon Burns and State Rep. Matt Reeves…
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Georgia car insurance rates, laws and regulator news.
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Georgia requires 25/50/25 liability, includes uninsured motorist coverage unless you reject it, uses a 50% fault bar and enacted tort reform in 2025.
Minimum liability25/50/25
Fault systemAt-fault — the driver who causes a crash is responsible for the damage through their liability insurance
PIP requiredNo — Georgia has no PIP requirement; medical payments coverage is optional
Uninsured motorist requiredNo — uninsured motorist coverage is included unless you reject it in writing; by default it pays on top of the at-fault driver's coverage (O.C.G.A. § 33-7-11)