The Georgia House of Representatives has passed four historic measures aimed at driving down the cost of insurance for families, drivers, homeowners, and businesses across the state.
House Speaker Jon Burns (R-Newington) has led the charge on these bills and praised the Georgia General Assembly for leading the nation in this effort to address affordability.
“Georgians rely on their insurers during some of life’s most challenging moments, and we are committed to ensuring families across our state can count on transparency, accountability, and reliability from the companies they trust to keep them covered,” Speaker Burns commented.
Following last year’s passage of Senate Bills 68 and 69 -- Georgia’s lawsuit reform legislation -- Speaker Jon Burns appointed the House Blue-Ribbon Study Committee on Insurance Rates, led by Chairman Matt Reeves (R-Duluth).
The committee’s mission was to develop legislative recommendations to reduce the cost of insurance and strengthen transparency for Georgia policyholders. House Bills (HB) 1344, 1262, 1263, and 1274 are the product of the committee’s findings.
The Bills
- HB 1344, known as the Insurance Affordability & Claims Integrity Act, increases nearly 40 fines in Georgia’s insurance code and strengthens the authority of the Office of the Insurance Commissioner to levy fines against bad actors. It also enforces Georgia’s uninsured motorist laws, cracks down on insurance fraud, and tightens up Georgia code about claims processing after storms and other damage.
- HB 1262 significantly increases fines that can be levied against insurance companies for surprise billing, failure to cover mental health treatment, and other violations.
- HB 1263, known as the Premium Tax Clawback Act, shortens the time insurance companies have to seek refunds for premium tax payment errors.
- HB 1274, known as the Excess Auto Insurance Profits Act, requires insurance companies making more than their expected profit for three consecutive years to file a rate decrease. This bill was made a priority because a similar law in Florida resulted in a $1 billion rebate to customers.
The Georgia House is leading the way to make insurance coverage more affordable for families, drivers, homeowners, and businesses across the state.
Learn more about the House's insurance affordability reforms below. ⬇️https://t.co/EOi0sCtjG5 pic.twitter.com/8yXrPLD8SL
— JonBurnsGA (@JonBurnsGA) February 26, 2026
