Driving Without Insurance in Georgia
Fines, license and registration suspension, and SR-22 requirements for driving uninsured in Georgia.
Short answer: Violating Georgia's requirement to keep proof of the required minimum insurance in the vehicle (O.C.G.A. § 40-6-10(a)) is a misdemeanor punishable by a fine of $200 to $1,000, up to 12 months in jail, or both. O.C.G.A. § 40-6-10(a)(4), (c); Georgia DOR, Motor Vehicles Fees, Fines, and Penalties
| Driving without insurance | Violating Georgia's requirement to keep proof of the required minimum insurance in the vehicle (O.C.G.A. § 40-6-10(a)) is a misdemeanor punishable by a fine of $200 to $1,000, up to 12 months in jail, or both. Knowingly making a false insurance statement carries the same penalty. Administratively, the Department of Revenue charges a $25 insurance lapse fee for failing to keep continuous coverage on a vehicle with current registration; if the registration is canceled for not paying the lapse fee, reinstatement costs $60 for a first or second offense and $160 for more than two offenses in 5 years. |
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| Proof of insurance | Owners and drivers must keep proof of the required insurance in the vehicle while it is driven; it may be paper or an electronic image on a mobile device. This requirement does not apply when the Department of Revenue's insurance database shows current coverage. Officers check for insurance at every stop and issue a citation if the driver lacks proof; if the driver later shows the court that coverage was in effect, the court may impose a fine of up to $25 and no license suspension. Insurers report coverage electronically to the Department of Revenue, and registration requires proof of Georgia liability insurance filed electronically or an insurance binder. DOR page: https://dor.georgia.gov/motor-vehicles/vehicle-registration-license-plates/new-georgia |
More Georgia car insurance & vehicle laws
- Minimum Car Insurance in Georgia
- SR-22 Insurance in Georgia
- When a Car Is a Total Loss in Georgia
- Transferring a Car Title in Georgia
- All Georgia car insurance & vehicle laws rules
FAQ
What is the penalty for driving without insurance in Georgia?
Violating Georgia's requirement to keep proof of the required minimum insurance in the vehicle (O.C.G.A. § 40-6-10(a)) is a misdemeanor punishable by a fine of $200 to $1,000, up to 12 months in jail, or both. Knowingly making a false insurance statement carries the same penalty. Administratively, the Department of Revenue charges a $25 insurance lapse fee for failing to keep continuous coverage on a vehicle with current registration; if the registration is canceled for not paying the lapse fee, reinstatement costs $60 for a first or second offense and $160 for more than two offenses in 5 years.
Can you show proof of car insurance on your phone in Georgia?
Owners and drivers must keep proof of the required insurance in the vehicle while it is driven; it may be paper or an electronic image on a mobile device. This requirement does not apply when the Department of Revenue's insurance database shows current coverage. Officers check for insurance at every stop and issue a citation if the driver lacks proof; if the driver later shows the court that coverage was in effect, the court may impose a fine of up to $25 and no license suspension. Insurers report coverage electronically to the Department of Revenue, and registration requires proof of Georgia liability insurance filed electronically or an insurance binder.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.