Effective February 1, 2003, insurance cards are no longer considered valid proof of insurance coverage in the state of Georgia (House Bill 994). Exceptions to this are fleet and self-insured vehicles, which require a copy of the fleet card or insurance card each year.
Proof of insurance on a motor vehicle will be the electronic record on the Department of Revenue/Motor Vehicle Division database. Your insurance company is required to notify the DOR of any change in insurance status within 30 days of the date the change is made.
If you have recently changed insurance companies, you may submit a binder with an effective date less than 30 days old as valid proof of GA liability insurance. If you have a newly purchased vehicle, you may submit a declaration page with an effective date less than 30 days old as valid proof of GA liability insurance.
Effective February 1, 2003, if your insurance information is not in the DOR database, you will NOT be able to renew your tag. A new policy of purchase or changes to an existing policy are the only exceptions.