Licensed Georgia agents comparing 40+ carriers for auto, home, and commercial coverage. Serving Atlanta, Savannah, Augusta, and communities across the Peach State.
Georgia follows a modified comparative negligence system with a 50% bar. You can recover damages as long as you are less than 50% at fault, but your recovery is reduced by your percentage of fault.
Georgia is one of the top 10 states for auto insurance fraud, particularly staged accidents in metro Atlanta. Dash cameras and comprehensive coverage help protect against fraudulent claims.
Georgia does not require Uninsured Motorist coverage, but approximately 12% of Georgia drivers are uninsured. UM/UIM coverage is one of the most valuable add-ons for Georgia motorists.
We recommend Georgia drivers carry at least 100/300/100 liability with UM/UIM coverage. Metro Atlanta's congested highways produce frequent accidents, and Georgia's minimum 25/50/25 limits are often insufficient for modern medical costs.
Georgia homeowners face a diverse set of risks: severe thunderstorms and tornadoes in the northwest, coastal hurricane exposure near Savannah and the Golden Isles, and rapidly appreciating property values in metro Atlanta that can leave homes underinsured.
Georgia's homeowners insurance market remains competitive compared to neighboring Florida and South Carolina, with average premiums running below the national average. However, rates vary dramatically by county — coastal Chatham and Glynn counties pay significantly more than inland areas due to hurricane risk.
Select Insurance Group helps Georgia homeowners evaluate dwelling coverage limits against current construction costs, compare wind/hail deductible options, and identify discounts for security systems, new roofs, and bundled policies.
Georgia employers who fail to carry required workers compensation face penalties of $2,500 or 110% of the premium that should have been paid, whichever is greater, plus criminal misdemeanor charges.
Georgia requires workers compensation insurance for employers with 3 or more employees, including part-time workers and corporate officers. Georgia has no exemption for small businesses below the threshold if they have 3+ workers.
Georgia's booming logistics and distribution industry — anchored by the Port of Savannah and Hartsfield-Jackson airport — creates significant demand for commercial auto, cargo, and warehouse liability coverage. We work with carriers that understand Georgia's freight corridor risks.
Deep knowledge of Georgia's at-fault system and modified comparative negligence rules.
Carrier relationships that provide competitive rates in both metro Atlanta and rural Georgia counties.
Commercial insurance expertise for Georgia's logistics, construction, and hospitality industries.
Se habla español — bilingual service for Georgia's growing Hispanic communities in Gwinnett, DeKalb, and Hall counties.
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Georgia residents.
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Georgia requires 25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Georgia does not require PIP or uninsured motorist coverage, but both are strongly recommended.
Georgia is an at-fault state using modified comparative negligence with a 50% bar. The driver who caused the accident is responsible for damages. You can recover damages if you are less than 50% at fault, but your recovery is reduced by your fault percentage.
Yes. Georgia employers with 3 or more employees, including part-time workers and corporate officers, must carry workers compensation. Penalties for non-compliance include fines of $2,500 or 110% of the unpaid premium, whichever is greater, plus criminal misdemeanor charges.
Georgia homeowners insurance averages below the national median but varies widely by location. Coastal counties near Savannah pay more due to hurricane risk, while inland areas enjoy lower rates. Working with an independent agent who compares multiple carriers ensures you get the most competitive rate for your area.
Standard homeowners policies do not cover flood damage. If your property is in a FEMA-designated flood zone, your mortgage lender will require flood insurance. Even outside flood zones, Select Insurance Group recommends evaluating flood risk — more than 25% of flood claims come from properties outside high-risk zones.
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