--- title: HB 345. Insurance; prohibit raises in liability insurance rates for five years collection: bills id: 2025-2026/hb345 cite_as: HB 345, 2025-2026 Regular Session (Ga.) canonical_url: https://georgiacommons.org/bills/2025-2026/hb345 md_url: https://georgiacommons.org/bills/2025-2026/hb345.md text_url: https://georgiacommons.org/bills/2025-2026/hb345/text source_url: https://www.legis.ga.gov/legislation/70102 date: 2025-02-12 status: introduced corpus_version: bills-2026-09-13 license: Public record of the Georgia General Assembly, via LegiScan; see about.md publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice. up: https://georgiacommons.org/bills/2025-2026.md previous: https://georgiacommons.org/bills/2025-2026/hb344.md next: https://georgiacommons.org/bills/2025-2026/hb346.md index: https://georgiacommons.org/bills/index.md omitted: votes and history omitted_chars: 129 omitted_url: https://georgiacommons.org/bills/2025-2026/hb345.md?full=1 bill_number: HB 345 session: 2025-2026 Regular Session session_slug: 2025-2026 chamber: House bill_type: bill status_date: 2025-02-10 last_action: House Second Readers sponsors: - Dar'shun Kendrick - Shea Roberts - Doreen Carter - Tanya Miller - Samuel Park - Karen Bennett text_version: Introduced has_text: true legiscan_url: https://legiscan.com/GA/bill/HB345/2025 upstream_id: 1964647 summaries_model: claude-sonnet-5 topic_tags: - liability insurance - insurance rates - insurance regulation - consumer protection --- # HB 345. Insurance; prohibit raises in liability insurance rates for five years ## Text House Bill 345 By: Representatives Kendrick of the 95th, Roberts of the 52nd, Carter of the 93rd, Miller of the 62nd, Park of the 107th, and others A BILL TO BE ENTITLED AN ACT To amend Chapter 1 of Title 33 of the Official Code of Georgia Annotated, relating to general provisions of insurance, so as to prohibit raises in liability insurance rates for five years; to provide for related matters; to provide for an effective date and applicability; to provide for automatic repeal; to repeal conflicting laws; and for other purposes. BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA: SECTION 1. Chapter 1 of Title 33 of the Official Code of Georgia Annotated, relating to general provisions of insurance, is amended by adding a new Code section to read as follows: "33-1-28. (a) Notwithstanding any other provision of law to the contrary, no insurer shall increase liability insurance rates. (b) This Code section is repealed on January 1, 2031." SECTION 2. This Act shall become effective on January 1, 2026, and shall apply to all policies, contracts, and certificates executed, delivered, issued for delivery, continued, or renewed in this state on and after said date. SECTION 3. All laws and parts of laws in conflict with this Act are repealed. ## Summaries written by Georgia Commons The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary. A Georgia House bill would bar insurance companies from raising liability insurance rates in the state for five years, starting January 1, 2026, with the ban automatically expiring in 2031. ### Plain-language summary Georgia law currently lets insurers set and adjust liability insurance rates, subject to existing regulation. This bill would add a new section to Georgia's insurance code (O.C.G.A. Chapter 1 of Title 33) flatly stating that no insurer may increase liability insurance rates, regardless of what any other law says. The freeze would take effect January 1, 2026, and would apply to all liability insurance policies, contracts, and certificates issued, delivered, continued, or renewed in Georgia on or after that date. The new rule is not permanent: the bill writes in its own expiration, repealing the section automatically on January 1, 2031, after roughly five years. The bill also repeals any existing laws that conflict with this new rate freeze. ### What it does - Adds a new Code section (O.C.G.A. ยง 33-1-28) that bars any insurer from raising liability insurance rates in Georgia. - Overrides other existing laws on the subject by stating the rate freeze applies notwithstanding any other provision of law to the contrary. - Applies the rate freeze to all liability policies, contracts, and certificates issued, delivered, continued, or renewed in Georgia on or after January 1, 2026. - Builds in an automatic repeal of the new rate freeze on January 1, 2031, so the ban lasts about five years. - Repeals any other Georgia laws that conflict with this rate freeze. ### Who it affects Insurance companies that sell liability insurance in Georgia, since they would be barred from raising those rates, and Georgia policyholders who carry liability coverage, including businesses, drivers, property owners, and professionals who rely on liability insurance. ### Why it matters If enacted, liability insurance premiums in Georgia could not increase for about five years, which would keep costs steady for businesses and individuals who carry this coverage, while insurers would lose the ability to adjust liability rates upward during that period regardless of their own cost changes. ### Key provisions - Section 1 creates new Code section 33-1-28, prohibiting insurers from increasing liability insurance rates, overriding any conflicting law. - Section 1 also sets the new section to automatically repeal itself on January 1, 2031, ending the rate freeze after about five years. - Section 2 sets the effective date as January 1, 2026, and applies the freeze to all liability policies, contracts, and certificates issued, delivered, continued, or renewed on or after that date. - Section 3 repeals any other Georgia laws that conflict with this Act. ## Status - Status: Introduced (2025-02-10) - Last action: House Second Readers (2025-02-12) - Sponsors: Dar'shun Kendrick, Shea Roberts, Doreen Carter, Tanya Miller, Samuel Park, Karen Bennett - Official page: https://www.legis.ga.gov/legislation/70102 > The history, votes, and amendments (129 characters) are at https://georgiacommons.org/bills/2025-2026/hb345.md?full=1