Key takeaways on commercial trucking insurance in Georgia
- Key takeaways
- What insurance does Georgia require for commercial trucks?
- Which Georgia or federal rule applies to your operation?
- What should a Georgia insurance filing look like?
- IRP, IFTA, UCR and GIMC in Georgia
- What are the most common Georgia trucking insurance mistakes?
- What should you do in Georgia? Our recommendation by type of operation
- How Ensure Inc. works with Georgia carriers
- What to send for a Georgia quote
- Frequently asked questions
- How we verified this page
- Sources
- Update log
What insurance does Georgia require for commercial trucks?
Georgia’s insurance rule for the motor carriers DPS certifies is Georgia DPS Rule 570-38-2-.05, adopted under O.C.G.A. 40-1-101 to 40-1-104 and 40-1-112 and effective May 11, 2020. We read the rule text.
Which Georgia or federal rule applies to your operation?
Not sure which row is yours? Send your USDOT number and a description of the work. The answer depends on your authority and your contracts, and we settle it before we quote.
What should a Georgia insurance filing look like?
DPS approves insurance forms on their form and completeness, and it does not accept handwritten forms. Rule 570-38-2-.05 puts the details in a short list (Georgia DPS Rule 570-38-2-.05).
- The certificate names the Georgia Department of Public Safety as the commission or authority.
- It shows the carrier’s exact full business name from its most recent application or DPS-issued certificate, and its most recent physical address.
- It carries a legible policy number and a legible countersignature.
- The coverage sits in the holder’s own name, from an insurer licensed in Georgia where the default minimums apply.
- It is one of the NARUC forms: E for bodily injury and property damage, H for cargo, K for cancellation.
- It is updated when coverage changes and at least every two years. Submission is by mail, fax, email or the National Online Registry, as DPS directs.
IRP, IFTA, UCR and GIMC in Georgia
Both the UCR and GIMC pages are old, so confirm the current portal and fees with DPS before you file.
What are the most common Georgia trucking insurance mistakes?
- Relying on someone else’s coverage. The DPS rule requires insurance in the holder’s own name, and shared coverage does not count (Georgia DPS Rule 570-38-2-.05).
- Filing an incomplete or handwritten form. The name, address, policy number and countersignature must be there, and handwritten forms are not accepted.
- Using a business name that differs from your application. The certificate must carry the exact full business name from your most recent application or DPS-issued certificate.
- Missing the two-year update. Filed certificates are updated when coverage changes and at least every two years.
- Assuming which limits apply. The rule does not list carrier types for its default minimums, so confirm with DPS before you rely on them.
What should you do in Georgia? Our recommendation by type of operation
Owner-operator leased to a carrier
Ask the carrier first, because it usually sets your minimums. If you hold your own Georgia authority, make sure the coverage and the certificate are in your own name. See the owner-operator page.
New MC authority or new Georgia venture
Decide first whether you run interstate or under a Georgia DPS certificate or registration, then line up primary liability and the right forms. The new entrant guide covers the first-year audit.
Fleet
Keep one exact legal name across your registration and every certificate, calendar the two-year update, and flag units at 26,001 pounds or more that leave Georgia for IRP and IFTA. See fleet coverage and the renewal checklist.
Bottom line: in Georgia, start with your authority. It decides which forms, which limits and which agency you deal with.
How does Ensure Inc. work with Georgia trucking companies?
Ensure Inc. writes commercial trucking insurance for Georgia clients by phone and email from Barrington, Illinois. For a Georgia operation the first question is which authority you run under, interstate or a Georgia DPS certificate or registration, because the answer decides which minimums and forms apply. We ask it before we quote and confirm the DPS limits where the rule text does not settle them.
What each coverage does is on our commercial trucking insurance page. By type of operation, see the owner-operator, motor carrier, fleet and contract driver pages. Georgia is one of the 13 states we serve (FL, GA, IA, IL, IN, MN, NC, OH, PA, SC, TN, TX, WI); see the states table.
What do you need for a Georgia commercial trucking insurance quote?
- USDOT and MC numbers, or the date you plan to apply
- How you operate: interstate, or under a Georgia DPS certificate or registration, and which one
- Each unit’s year, make, VIN, stated value and gross weight rating, flagging any at 26,001 lb or more
- What you haul and where, including any placarded hazmat
- Driver license details and experience, and whether each is an employee or a 1099 contractor
- Current declarations page, loss runs and renewal date
Frequently Asked Questions About Commercial Trucking Insurance in Georgia
Clear answers to common questions about Commercial Trucking Insurance in Georgia. Open a question to read the answer and source. Last verified: October 30, 2026.
What is the minimum commercial trucking insurance in Georgia?
It depends on your authority. Interstate for-hire carriers follow the federal minimum, which is $750,000 for most non-hazardous freight in vehicles of 10,001 pounds GVWR or more. For carriers under a Georgia DPS certificate, Rule 570-38-2-.05 lists default minimums of $100,000 per person, $300,000 per accident and $50,000 for property damage, plus cargo limits of $25,000 per vehicle and $50,000 aggregate, where the chapter sets no other amount. The rule does not list carrier types, so we confirm with DPS which limits apply to your operation.
Source: FMCSA; Georgia DPS Rule 570-38-2-.05.
What are Forms E, H and K in Georgia?
They are NARUC insurance forms. Form E shows bodily injury and property damage liability, Form H shows cargo coverage and Form K is the cancellation notice. DPS presumes them compliant if they list the Georgia Department of Public Safety, the carrier’s full current business name and most recent physical address, a legible policy number and a legible countersignature. Handwritten forms are not accepted.
Source: Georgia DPS Rule 570-38-2-.05.
What happens if my Georgia trucking insurance lapses?
Under the DPS rule, if required insurance lapses the certificate becomes void immediately, even if compliance is restored later. It becomes valid again once the holder re-establishes insurance, unless DPS has suspended, revoked or otherwise acted on it. A certificate suspended for a lapse is not reinstated until acceptable proof of minimum insurance is provided, and after six months without proof DPS may revoke it.
Source: Georgia DPS Rule 570-38-2-.05.
How often must I update my insurance certificate with DPS?
When coverage changes, when DPS asks, and at least every two years. Updates cover renewals, limit changes, added or reduced coverage, a change of insurer, and suspensions, cancellations and reinstatements. Where possible, give DPS at least 30 days’ notice before a change that would cause noncompliance.
Source: Georgia DPS Rule 570-38-2-.05.
Do I need IRP plates and an IFTA license in Georgia, and where do I file?
Vehicles that operate in Georgia and other states must complete or apply for IRP and IFTA online through the Georgia Trucking Portal, run by the Department of Revenue. Neither is insurance. The Department of Revenue page sets the line at 26,001 pounds or more for vehicles that leave Georgia. Vehicles that travel only in Georgia and operate under 26,000 pounds register at the county tag office. Ensure Inc. places the insurance and does not issue plates or licenses.
Source: Georgia Department of Revenue.
What is GIMC registration in Georgia?
Georgia Intrastate Motor Carrier (GIMC) registration is for carriers that run only inside Georgia. The DPS notice calls it UCR-GA for intrastate carriers, and UCR is the interstate program. Administration moved from the Department of Revenue to DPS. The DOR page cites House Bill 255, and the DPS notice gives July 1, 2014 as the effective date. Both pages are old, so confirm the current portal and fees with DPS before you file.
Source: Georgia DOR; Georgia DPS notice.
How much does commercial trucking insurance cost in Georgia?
It depends on how you operate: your authority, units, drivers, cargo, radius and losses. A figure without them would be a guess. Tell us whether you run interstate or under a Georgia DPS certificate, since that decides which forms and limits apply. Then we price real options from the insurers open to you. The renewal checklist shows what to gather.
Source: Ensure Inc. quote workflow.
Can Ensure Inc. insure a Georgia trucking company from Illinois?
Yes. Georgia operations are quoted by phone and email from our Barrington, Illinois office. Georgia is one of our 13 states. Insurer programs vary by state, so we confirm what is open to your trucks and cargo before pricing.
Source: Ensure Inc.: the 13 states we serve.
- Georgia DPS Rule 570-38-2-.05 (Ga. Comp. R. and Regs.) as shown by Cornell LII (adopted April 21, 2020, effective May 11, 2020), read on October 30, 2026.
- Georgia DOR, Commercial Vehicle Registration and Georgia DOR, UCR page. Neither shows a date for the content we used.
- Georgia DPS, notice to all Georgia-based carriers on the UCR and GIMC move (effective July 1, 2014).
- FMCSA Insurance Filing Requirements (page last updated March 26, 2026) for the federal minimum.
- The list of 13 states: Ensure Inc. (October 30, 2026).
- Scope of the default minimums. The rule text does not list which carrier types the (8) defaults reach, and we found no DPS page that says whether a general-freight intrastate truck falls under them. We confirm with DPS before we quote.
- Dated pages. The UCR and GIMC transfer pages are from the 2014 move, so portal names and fees may have changed.
- Georgia statute text. We cite O.C.G.A. 40-1-112 only as the rule’s stated authority and do not paraphrase it.
- Claims we avoid. No premiums, carrier names or producer license numbers are shown.
Spotted an error? Email request@yourensure.com and we will check it and log the fix in the Update Log below.
General information on Georgia trucking insurance, taken from the sources linked above. It is not legal advice or an offer of coverage. Rules and agency pages change, so confirm them with DPS. Coverage exists only once the insurer confirms it in writing.
- Georgia DPS Rule 570-38-2-.05, Required Insurance and Certificate(s) of Insurance (Ga. Comp. R. and Regs., via Cornell LII)
- Georgia Department of Revenue, Commercial Vehicle Registration
- Georgia Department of Revenue, Commercial Motor Carrier Registration, Unified Carrier Registration (UCR)
- Georgia Department of Public Safety, Georgia Motor Carrier Advisory: UCR and GIMC move to DPS
- FMCSA, Insurance Filing Requirements (last updated March 26, 2026)
- Ensure Inc., Commercial Trucking Insurance in Chicago and Illinois
Update log
- October 30, 2026: Page published. Sources checked October 30, 2026.
- Corrections: request@yourensure.com.