What Commercial Auto Insurance Requirements Apply in Georgia?

Georgia’s Insurance Commissioner lists $25,000 per person, $50,000 per incident, and $25,000 property-damage liability as the minimum for public roads. Georgia DDS says a driver operating someone else’s vehicle is responsible for proof of current insurance. Keep proof in each company unit and accessible to drivers who rotate between vehicles.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Georgia Commercial Auto Insurance Requirements

Requirement	Details
Road liability minimum	$25,000 one person / $50,000 per incident bodily injury / $25,000 property damage ¹

What Should You Watch for With Commercial Auto Insurance in Georgia?

Treat 25/50/25 As The Road Minimum
Georgia’s Insurance Commissioner lists $25,000/$50,000 bodily-injury and $25,000 property-damage limits for public roads. Check any transportation authority or contract for a higher amount. ¹
Drivers Need Proof In Vehicles They Do Not Own
Georgia DDS says the driver operating someone else’s vehicle is responsible for proof of current insurance. Keep current cards in company units and make the record easy for substitute drivers to access. ^2,¹
Liability Does Not Cover Damage To Your Own Unit
Georgia’s Insurance Commissioner says physical-damage coverages are not required by state law, though a lender or lessor may require them. Review the loan or lease and quote collision/comprehensive separately if needed. ¹

Which Commercial Auto Providers Have Georgia License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Georgia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ⁹
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹²
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Georgia?

Georgia Office of Commissioner of Insurance and Safety Fire

Georgia’s elected Insurance and Safety Fire Commissioner licenses and regulates insurance companies and insurance professionals, investigates insurance fraud, and oversees consumer complaint services. The Office’s state license lookup covers agents, agencies, and companies. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 656-2298

Surplus-Lines Tax and Stamping Office in Georgia

Reported tax rate. 4% of total premium when Georgia is the home state ⁶

Georgia charges 4% on the total premium written and received by a surplus-lines broker when Georgia is the insured’s home state. Current fee treatment is not described here because the Department’s latest fee bulletin could not be retrieved as readable text; ask your broker for the policy-declaration and tax breakdown. This record does not state a Georgia-specific guaranty-fund conclusion.

Questions to Ask Before You Buy Commercial Auto in Georgia

Do our policy limits meet Georgia’s 25/50/25 minimum and any higher carrier filing?
Can every assigned or substitute driver produce current proof of insurance?
Do loan or lease documents require collision or comprehensive coverage?

Commercial Auto Insurance in Georgia: Frequently Asked Questions

What are Georgia’s minimum auto liability limits?

Georgia lists $25,000 per person and $50,000 per incident for bodily injury, plus $25,000 per incident for property damage. A specific commercial filing may require more. ¹

Does an employee need proof to drive a company vehicle in Georgia?

Yes. Georgia DDS says a driver operating someone else’s vehicle is responsible for proof of current insurance, so keep a card or accepted proof accessible in each company unit. ²

Sources for Commercial Auto Insurance in Georgia

1
Auto Insurance. Georgia Office of Commissioner of Insurance and Safety Fire; Liability Insurance; state minimum limits and physical-damage explanation. Accessed 2026-09-28.
2
No Proof of Insurance FAQ. Georgia Department of Driver Services; Driver responsibility when operating another person’s vehicle. Accessed 2026-09-28.
3
Office of Commissioner of Insurance and Safety Fire. Georgia Office of Commissioner of Insurance and Safety Fire; Official homepage; regulator role, elected commissioner, complaint and license lookup links. Accessed 2026-09-28.
4
Agents, Agencies and Licensing. Georgia Office of Commissioner of Insurance and Safety Fire; Official state license lookup for agents, agencies, and companies. Accessed 2026-09-28.
5
Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
6
Non-Admitted Insurance: Premium Tax FAQs. Georgia Office of Commissioner of Insurance and Safety Fire; 4% applies to total broker-written and received premium when GA is home state. Accessed 2026-09-28.
7
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
8
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
9
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
10
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
11
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
12
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
13
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Georgia?

What Is Commercial Auto Insurance?

Georgia Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Georgia?

Treat 25/50/25 As The Road Minimum

Drivers Need Proof In Vehicles They Do Not Own

Liability Does Not Cover Damage To Your Own Unit

Which Commercial Auto Providers Have Georgia License Records?

Corgi

TechInsurance