The Georgian government plans to introduce a mandatory auto third-party liability insurance system. The relevant bill will be submitted to parliament in the spring, Prime Minister Irakli Kobakhidze announced. The main motive for the initiative is a sharp increase in the number of cars and accidents on the roads, especially involving young drivers and vulnerable populations, as well as the high costs incurred by victims, those responsible for accidents, and the state.
The essence of the innovation is that each car owner will be required to purchase an insurance policy and regularly pay a premium. The government notes that the mandatory nature of insurance will ensure high coverage and allow the policy cost to be kept at an acceptable level. Specific amounts of insurance premiums have not yet been specified.
Against the background of statistics, the problem is obvious: as of September 2025, out of 1.9 million registered cars, only 8% had insurance. Georgia leads Europe in the number of fatal road accidents — on average, 11 people per 100,000 residents die annually, which is five times higher than the European record. In 2024, 444 people died on the roads, and in the nine months of 2025 — already 345 dead and more than 6 thousand injured.
