Georgia Car Insurance Rates and How They Are Set

Georgia car insurance rates are set by each insurance company and filed with the Office of Commissioner of Insurance and Safety Fire (OCI). Since July 1, 2023, the Commissioner has had the chance to review every private passenger auto rate filing before it takes effect: filings for policies with only the mandatory minimum limits still need the Commissioner's prior approval, and the Commissioner has 60 days to review all other filings ¹. Before that law, House Bill 221, most auto filings could take effect right away under a system known as "file and use" ¹.

In 2026, OCI has announced a series of auto rate decreases from individual insurers, including filings of 5%, 10.1% and an overall 2.6% for one group of companies ^{5 6 7}. Each of those figures is an average across the company's existing Georgia policyholders. It does not say what any one renewal will be, and our guide to why car insurance goes up covers the personal reasons a bill can rise even when filings point down.

OCI describes House Bill 221 as legislation "reforming how private auto insurance rates are filed in Georgia." In its May 3, 2023 release, OCI said the bill gives the Commissioner the ability to review all car insurance rate filings before they go into effect, closing a loophole that insurers had used to raise rates by as much as 25 percent in a single filing ¹. The law took effect on July 1, 2023 ¹.

The review now works on two tracks ¹:

• Minimum limits policies. Filings for policies that carry only the mandatory minimum limits remain under the Commissioner's "prior approval" authority.
• All other private passenger auto filings. For policies with higher limits or added coverage, the Commissioner has 60 days to review a filing before it takes effect.

The practical effect for a driver is that a new Georgia auto rate no longer goes into use the day it is filed. It waits for the Commissioner's approval or the end of the review window ¹.

OCI's Insurance Product Review Division reviews insurance product filings, and OCI says all filings are submitted through SERFF, the national electronic filing system, which the public may use to research insurance companies in Georgia ⁸. Our explainer on what a rate filing is covers what the documents inside a filing usually show.

OCI's auto insurance page says two factors determine what a driver pays: underwriting, which assesses the risk and decides whether to accept an applicant, and rating, which sets a price based on the expected cost of that applicant's potential claims ². OCI lists common rating factors as the driving record, the area where the driver lives, gender and age, marital status, prior coverage, how the vehicle is used and its make and model ².

OCI's consumer guide adds that insurance companies are required to offer a reduction in liability, first party medical and collision rates for drivers who qualify as "good students," for example by ranking in the upper 20% of their class or holding a 3.0 average or better ³. Other conditions may apply, so the insurer is the place to confirm eligibility.

Georgia requires liability insurance to drive. According to OCI, the minimum limits of liability insurance required under Georgia law are $25,000 per person and $50,000 per incident for bodily injury, and $25,000 per incident for property damage ². OCI's consumer guide calls this "25/50/25" and notes that higher limits are available from most insurers, and that the required liability coverage pays only for damage the policyholder does to others or their property ³. Collision, comprehensive and medical payments coverage are separate purchases ³. Our page on the price gap between minimum and full coverage explains how those choices change a premium.

Coverage also has to stay in place. The Georgia Department of Revenue says vehicle owners and lessees are required by law to maintain continuous Georgia automobile liability insurance, and that insurance companies must transmit insurance information electronically to the department ⁴. Valid coverage is needed to register a vehicle, renew or transfer a license plate and to legally drive or keep a vehicle actively registered ⁴. Our guide to what happens if car insurance lapses covers why a gap in coverage can matter for price as well.

Uninsured motorist coverage protects a policyholder when an uninsured driver causes an accident that damages the vehicle or injures the people in it ². Our explainer on uninsured motorist coverage covers how it works.

OCI has announced several auto rate decreases in 2026. Each figure below is an average across the named company's existing Georgia policyholders, worded as OCI worded it.

• Allstate North American Insurance Company. On February 9, 2026, OCI announced a rate reduction filed by this company, a 5% reduction in private passenger auto rates submitted in early February and applying statewide. OCI projected about $17.7 million in total premium reductions for Georgia policyholders in 2026 ⁵. The release describes the change as filed; it does not say it was approved.
• Travelers Property Casualty Insurance Company. On April 22, 2026, OCI said it had recently approved a filing from this company reflecting an overall 10.1% decrease in private passenger auto rates, which OCI put at about $40 million in premium statewide ⁶.
• The USAA group. On June 25, 2026, OCI announced a filing with average decreases of 4.7% for Garrison Property and Casualty Insurance Company, 4.5% for USAA Casualty Insurance Company and 2.4% for USAA General Indemnity Company. OCI said the approved changes come to an overall group reduction of about 2.6%, roughly $33.2 million in premium, for more than 200,000 Georgia policyholders ⁷.

We are not affiliated with the insurers named. Company pages for Allstate and USAA explain how those insurers' filings are usually worded.

An approved decrease is an average. It can be larger for some drivers and smaller, zero or an increase for others, because each price depends on the driver's own record, vehicle, garaging area, coverage and discounts. A renewal can also rise because a driver was added, a ticket or claim was recorded, a discount ended or coverage changed. Our page on whether car insurance rates are going down explains why averages and single bills often move differently.

If the reasons for a change are not clear, our guide to reading a renewal notice shows where they usually appear. Asking the insurer or agent which rating factors changed is a reasonable first step, and you can compare quotes from several insurers to see whether a price is in line with what others charge.

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OCI's Consumer Services Division answers insurance questions and concerns; its consumer guide lists the numbers 404-656-2070 and 800-656-2298 and says the division is available Monday through Friday ³. OCI's complaint page asks consumers to contact their insurance company first, and describes an online Consumer Complaint Portal as the quickest way to file a complaint with the office if a dispute is not resolved ⁹. After review, OCI may send the complaint to the company for a written response and take enforcement action when laws are violated ⁹.

For a question about a specific claim, start with your insurer and then OCI; we do not give claims advice. QuotePitStop is a lead-generation service, not an insurance company, agent or broker.

• ¹ Official record: OCI's May 3, 2023 release on House Bill 221, prior approval for minimum limits filings, the 60-day review of other filings, the 25 percent loophole and the July 1 effective date, checked October 13, 2026.
• ² Official record: OCI's auto insurance page, the 25/50/25 minimum limits, underwriting and rating, common rating factors and uninsured motorist coverage, checked October 13, 2026.
• ³ Official record: OCI's consumer guide for automobile insurance, the 25/50/25 explanation, the good student reduction and its 20% and 3.0 criteria, and the Consumer Services numbers, checked October 13, 2026.
• ⁴ Official record: the Georgia Department of Revenue's insurance coverage page on continuous liability coverage and electronic reporting, checked October 13, 2026.
• ⁵ Official record: OCI's February 9, 2026 release on the 5% reduction filed by Allstate North American Insurance Company and the projected $17.7 million, checked October 13, 2026.
• ⁶ Official record: OCI's April 22, 2026 release on the approved 10.1% decrease filed by Travelers Property Casualty Insurance Company and the $40 million estimate, checked October 13, 2026.
• ⁷ Official record: OCI's June 25, 2026 release on the USAA group filing, the 4.7%, 4.5%, 2.4% and 2.6% averages, the $33.2 million and the 200,000 policyholders, checked October 13, 2026.
• ⁸ Official record: OCI's insurance product filings page and public access to filings through SERFF, checked October 13, 2026.
• ⁹ Official record: OCI's complaint page and the Consumer Complaint Portal, checked October 13, 2026.