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What is the Georgia Automobile Insurance Plan (GAAIP)?

High-risk drivers in Georgia can use the Georgia Automobile Insurance Plan to get state minimum car insurance coverage.

Georgia roads at dusk

The Georgia Automobile Insurance Plan, or GAAIP, can provide high-risk drivers with the state minimum amount of car insurance when they can’t get it elsewhere.

Although the GAAIP can help you get auto coverage when you can’t find an insurance company that’ll sell it to you, you’ll pay for that assistance. Specifically, you’ll pay higher premiums for car insurance you buy through the GAAIP than you would if you bought a policy via the voluntary market.

You’ll learn more about the Georgia Automobile Insurance Plan here, including:

  1. GAAIP eligibility requirements
  2. How to get coverage through the GAAIP
  3. How much GAAIP policies cost
  4. GAAIP payment options

Georgia Automobile Insurance Plan eligibility requirements

To become eligible for GAAIP assistance, you must have tried and failed to buy car insurance from at least two companies within the last 60 days.

You also need a valid driver’s license and a vehicle registered in your name and in the state of Georgia.

Meet those requirements and the GAAIP can assign you to an insurance company. That company may then sell you the state minimum amount of auto coverage, if not more.

State minimum car insurance coverage requirements in Georgia

Georgia law requires drivers to have at least a minimum amount of liability car insurance.

That means you must carry at least $25,000 of bodily injury liability (BIL) coverage per person, $50,000 of BIL coverage per accident and $25,000 of property damage liability per accident.

How to buy a policy through GAAIP

After the GAAIP determines you’re eligible for help, it’ll assign you to an insurance company. That company can then start the process of getting you at least the state minimum amount of car insurance.

Which insurer will the GAAIP assign you? That’s difficult to say, as it could assign you to any of the companies that do business in Georgia.

All of the state’s insurance companies have to participate in the GAAIP. They don’t always have to sell you a policy, though. For example, they can refuse to sell you a policy if you have a history of not paying your car insurance premiums.

You don’t have to contact the GAAIP or some other state entity to get this coverage, by the way. You can contact any agent licensed to sell car insurance in Georgia to get it – as long as you meet the eligibility requirements mentioned earlier.

How GAAIP coverage works

Car insurance coverage you get through the GAAIP lasts up to three years.

After three years, you have to look for a policy on the voluntary market again. If insurance companies still consider you a high-risk driver at that time and won’t sell you a policy because of it, you can return to the GAAIP.

Don’t feel like you need to keep GAAIP coverage for a full three years, though. You may be able to find cheaper coverage on the voluntary market long before that.

So start shopping around and comparing quotes from the best car insurance companies six months after you first get a policy through GAAIP. And keep at it until either your three years are up or you find a more affordable policy.

That said, don’t just jump on the first affordable policy you come across. Cancel your GAAIP policy in the middle of its term and you’ll pay a fee that equals 10% of your unused premium. If possible, wait until your GAAIP policy ends and then switch to the new, cheaper policy.

GAAIP rates

Coverage you get through the Georgia Automobile Insurance Plan will likely cost more than coverage you’d get if you weren’t a high-risk driver.

How much more will you pay for a GAAIP policy? It’s impossible to say for sure. Companies look at all sorts of different factors when determining car insurance rates. Some common examples of these rate factors:

  1. Your age
  2. Your marital status
  3. Your driving record
  4. Your vehicle’s make and model
  5. Where you live

Georgia Automobile Insurance Plan payment plans

You’ll be offered three payment options when you get auto insurance coverage through the GAAIP. They are:

  • Pay your policy’s full annual premium in one lump sum
  • Pay 30% of your policy’s annual premium right away and then pay the rest within the next 30 days
  • Pay 25% of your policy’s annual premium right away and then pay the rest over the next five months

Note: if you choose the third option, you’ll have to pay an extra fee on top of your monthly premium payments.

Also, an insurance company may make you pay your GAAIP policy’s full annual premium up front if you’re required to file an SR-22 form with the state.

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