No Proof of Automobile Insurance in Georgia

Georgia law requires that drivers maintain minimum motor vehicle liability insurance. Additionally, drivers must carry proof of that insurance in their vehicle at all times. Georgia law does allow proof of insurance via electronic format or paper.


What is the Required Minimum Georgia Insurance Coverage?

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per accident

If you are pulled over driving a vehicle that does not have minimum insurance, you can be arrested or cited and charged with violating Georgia’s No Insurance statute under O.C.G.A. 40-6-10.  Georgia law requires that police officers determine if the driver has minimum insurance coverage every time the law enforcement officer stops a vehicle or requests driver’s license. You can be charged under this statute even if you were not the driver so long as you “authorized” someone to drive your vehicle without insurance.

What is the Penalty for Driving with No Insurance in Georgia?

Driving without insurance is a misdemeanor criminal offense that carries minimum fines and the possibility of 12 months in jail, or both. The minimum base fine for No Insurance is $200.00 and the maximum fine is $1,000.00.

Convictions for No Insurance will result in a license suspension.  On a first conviction, it is a 60 day license suspension, with no limited permit available. In order to reinstate after this suspension, you must pay a $210.00 reinstatement fee, show proof of having prepaid for six months of minimum insurance coverage, and maintain that policy for three years. On a second conviction within 5 years, it is a 90 day license suspension, the same prepaid policy requirements as the first, and a higher reinstatement fee of $310.00.


No Proof of Insurance in Georgia


Failure to keep proof of insurance in the vehicle is a separate charge from having no insurance at all.  If you in fact did have valid insurance at the time of the citation or arrest, the Judge must reduce the fine to $25.00 and not submit your license to be suspended. However, if you simply pay the fine on the No Proof of Insurance ticket, you will still incur the license suspension as if you had no insurance at all.


There are numerous defenses and mitigating factors if you or a loved one is charged with No Insurance or No Proof of Insurance in Georgia. Skilled lawyers can use new insurance policies in mitigation to try to have the Court reduce or dismiss the charge and sentence.


Paying a ticket on these offenses will result in license suspension, high fines, potential jail, and lengthy probation sentences. If you have been cited or arrested for No Insurance or No Proof of Insurance, call us today for a FREE CONSULTATION at 404-581-0999.