About $305 a month
Commercial auto, Georgia
Insureon average for Georgia small-business customers, updated March 2026
Georgia · state requirements
Commercial auto insurance in Georgia
For Georgia businesses that run cars, vans, pickups or trucks: the state’s minimum limits, how it tracks coverage, the filings for-hire carriers need and what coverage costs.
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Get commercial auto quotes in Georgia
What similar businesses pay
- Commercial auto, Georgia
- About $305 a month
- For-hire transport truck
- About $926 a month
- For-hire specialty truck
- About $734 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Georgia costs
About $926 a month
For-hire transport truck
Progressive Commercial national average, 2025
About $734 a month
For-hire specialty truck
Progressive Commercial national average for trucks such as gravel haulers, 2025
Insureon’s Georgia average of $305 a month, or $3,664 a year, comes from small businesses in the state that bought through it, most with fewer than five employees, so it mostly reflects cars, vans and pickups. Trucks cost far more: Progressive’s 2025 national averages are $926 a month for for-hire transport trucks and $734 for specialty trucks such as gravel haulers. Neither source publishes a Georgia-only truck figure. Your price depends on the vehicles, where they are garaged, your drivers and your limits. A for-hire carrier working only inside Georgia must carry at least 100/300/50, well above the 25/50/25 car minimum, so its premium starts higher.
What moves your price
- Number, type and value of vehicles
- Where the vehicles are garaged, from metro Atlanta to Augusta or Savannah
- Each driver’s motor vehicle record
- Your claims history
- The limits and deductibles you choose
- Whether you haul for hire, which raises the state minimum to 100/300/50
Georgia
What’s different in Georgia
25/50/25 is a legal floor, not a safe limit
Insureon lists Georgia’s minimum as $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage, for personal and business vehicles alike. A crash involving a work truck can exceed that quickly, and anything above your limit becomes your business’s debt.
The state checks every VIN electronically
Insurers must report coverage to the Department of Revenue’s GEICS database within 30 days, and the VIN is matched to the vehicle record that police and county tag offices can see. Fleet, IRP and self-insured vehicles are exempt from reporting but must still be insured and carry a card.
A 10-day gap counts as a lapse
The Department of Revenue treats 10 or more days between policies as a lapse. It fines $25, adds up to $160 if that fine is not paid within 30 days, and suspends the registration if you do not pay or show new coverage.
Your drivers’ licenses are on the line
The Department of Driver Services says the driver, not the owner, is always responsible for proof of insurance. A first no-insurance conviction brings a 60-day license suspension with no limited permit, which can sideline an employee who drives your uninsured vehicle.
Driving uninsured is a crime
Driving without insurance is a misdemeanor under O.C.G.A. 40-6-10, and the maximum jail term was raised to 12 months in 1989. Driving on a suspended registration is a separate criminal offense, and the Department of Revenue warns the vehicle may be impounded.
Intrastate carriers register with the state
Vehicles operating only inside Georgia register with the Department of Public Safety as Georgia Intrastate Motor Carriers. For-hire carriers must also have their insurer file a Form E, which J. J. Keller summarizes as at least 100/300/50.
Coverage
Coverage Georgia businesses need
Auto liability
Pays for injuries and property damage your vehicles cause to others. Georgia requires it on every registered vehicle; contracts and Form E filings often require more than the minimum.
How commercial auto works →Collision and comprehensive
Pays to repair or replace your own vehicles after a crash, theft, vandalism, fire or flood. Georgia’s mandate covers only liability, so this is optional unless a lender or lease requires it.
How commercial auto works →Uninsured motorist
Pays for injuries and vehicle damage when the at-fault driver has no insurance or too little. Ask how your policy is set up, since the state minimum covers only harm you cause.
How commercial auto works →Medical payments
Pays medical bills for your drivers and passengers after a crash, regardless of who was at fault.
How commercial auto works →Hired and non-owned auto
Covers liability when you or employees drive personal, rented or leased vehicles for work. It does not pay for damage to those vehicles.
How commercial auto works →Cargo and loading cover
Auto liability does not cover what you carry. Motor truck cargo and loading and unloading coverage pay for goods and equipment damaged in transit or while loading.
Bobtail or non-trucking liability
For owner-operators leased to another carrier, covering a tractor driven without a trailer or outside that carrier’s dispatch.
Umbrella or excess
Adds limits above your auto liability when a customer, general contractor or shipper asks for more than your primary policy carries.
How umbrella / excess works →Rules
Georgia requirements
Every vehicle registered in Georgia must carry continuous Georgia liability insurance, whether it is used for personal or business driving. Trucks and buses that operate only inside the state also answer to the Department of Public Safety, and interstate for-hire carriers to federal rules.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every vehicle registered in Georgia | $25,000 per person and $50,000 per accident for injuries, $25,000 for property damage, as summarized by Insureon from state insurance guidance. |
| Continuous coverage on file | Owners and lessees of actively registered vehicles | Insurers report coverage by VIN to GEICS within 30 days, per the Georgia Department of Revenue. Fleet, IRP and self-insured vehicles are exempt from reporting but must carry a card. |
| Lapse fine and suspension | Any registered vehicle with a gap of 10 days or more | $25 fine, up to $160 more if unpaid after 30 days, then registration suspension and no renewal until resolved, per the Department of Revenue. |
| Driving without insurance | The driver, whoever owns the vehicle | A misdemeanor under O.C.G.A. 40-6-10. A first conviction brings a 60-day license suspension with no limited permit, per the Department of Driver Services. |
| Georgia Intrastate Motor Carrier registration | For-hire and private carriers whose vehicles run only inside Georgia | $5 a vehicle before January 1 or for new applicants, $25 after, plus a safety seminar completed within the prior 12 months, per DPS form UCR-2 and O.C.G.A. 40-2-140. |
| Form E insurance filing | Intrastate for-hire carriers, including household goods movers | Your insurer, not your agent, files Form E electronically with DPS. J. J. Keller lists the minimum as $100,000 per person, $300,000 per accident and $50,000 property damage. |
| Passenger and hazmat authority | Carriers of more than 10 passengers; intrastate hazmat haulers | A DPS Passenger Carrier Certificate (Form DPS TR0009) or a Hazardous Material Permit, per J. J. Keller’s summary of Georgia rules. |
| Federal minimum liability | For-hire interstate property carriers with vehicles of 10,001 lb or more | $750,000 under 49 CFR 387.9, usually proved with the MCS-90 endorsement. |
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Pay less
How to lower the cost
- Start each new policy the day the old one ends; the Department of Revenue says matching dates means no lapse and no fine.
- Cancel the registration on a truck you take out of service before you drop its insurance, as the Department of Revenue advises.
- Check each vehicle’s insurance status on DRIVES e-Services and fix VIN mismatches with your insurer before a lapse letter arrives.
- Screen drivers’ motor vehicle records before hiring and every year; Insureon lists driving records among the main price factors.
- Raise physical damage deductibles on older vehicles you could afford to repair yourself.
- Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- VIN, year, make and value of every vehicle, matching the Georgia registration
- Garaging address and county for each vehicle
- Driver list with license numbers, dates of birth and years of experience
- USDOT number and Georgia Intrastate Motor Carrier number, if you have them
- What the vehicles carry, whether you haul for hire and how far they travel
- Current declarations page and loss runs for the past three to five years
- The limits your customers or contracts require on certificates
- Any lienholder or lessor that must be listed on the policy
Common questions
Commercial auto insurance in Georgia: questions
Does my personal auto policy cover work driving in Georgia?
Often not. Insureon notes a personal policy may not cover deliveries, picking up supplies or other work-specific use, and vehicles owned for work should be on a commercial policy.
Is a few days without coverage a lapse in Georgia?
The Department of Revenue counts a lapse when 10 or more days separate the old policy’s end and the new one’s start. A shorter gap may avoid the $25 fine, but driving uninsured during it is still illegal.
Do fleet vehicles show up in the state insurance database?
No. The Department of Revenue exempts vehicles on fleet policies that do not list VINs, IRP vehicles and self-insured vehicles from electronic reporting. They must still be insured, and the fleet card must be carried in the vehicle.
What limits does a for-hire truck need if it never leaves Georgia?
J. J. Keller lists Georgia’s intrastate for-hire minimum as $100,000 per person, $300,000 per accident and $50,000 for property damage, filed by your insurer on Form E with the Department of Public Safety.
Do private carriers need a Form E in Georgia?
The DPS application says Form E is required for for-hire carriers only. Private carriers that run only inside Georgia still register as Georgia Intrastate Motor Carriers and must meet the regular insurance rules.
Can my employee lose their license for driving my uninsured truck?
Yes. The Department of Driver Services says the driver is always responsible for proof of insurance, whoever owns the vehicle, and a first conviction brings a 60-day suspension.
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Sources (12)
- Insureon: commercial auto insurance in Georgia (updated March 2026)
- Georgia Department of Revenue: vehicle insurance requirements
- Georgia Department of Revenue: lapse or loss of insurance coverage
- Georgia Department of Revenue: registration suspension
- Georgia Department of Revenue: proof of insurance coverage
- Georgia Department of Revenue: insurers’ requirements and GEICS
- Georgia Department of Driver Services: no proof of insurance FAQs
- Georgia Department of Public Safety: GIMC application and instructions (DPS UCR-2, 2025)
- J. J. Keller: Georgia intrastate operating authority
- O.C.G.A. 40-6-10 with annotations
- Progressive Commercial: how much is commercial auto insurance (2025)
- eCFR: 49 CFR 387.9, minimum levels
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated October 2026.