State Farm’s 2026 Auto Insurance Changes: What Georgia Drivers Need to Know

If you are a Georgia driver insured by State Farm, changes coming in 2026 could significantly affect how much protection you actually have after a serious crash. Even if your premium looks similar at renewal, the structure of your policy may reduce the amount of underinsured motorist coverage available to you and your family.

Understanding these changes now can prevent major surprises later.

Georgia’s Minimum Auto Insurance Limits Are Low

Georgia law requires drivers to carry minimum liability coverage of 25/50/25:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 for property damage

In a serious collision, those limits are often nowhere near enough to cover medical bills, lost wages, and long term care. When the at fault driver carries only minimum coverage, injured victims frequently rely on uninsured or underinsured motorist coverage to make up the difference.

That is where the 2026 change becomes important.

How Stacking Has Protected Georgia Families

In the past, many State Farm households insured multiple vehicles under separate policy numbers. Under certain circumstances in Georgia, this structure allowed stacking of uninsured or underinsured motorist coverage.

Stacking means coverage from multiple vehicles or policies could potentially be combined to increase the total protection available after a crash.

Here is how stacking worked before 2026:

• A household with four cars could carry four separate underinsured motorist coverage limits, for example $25,000 per car.
• If someone in that household was hurt by an underinsured driver, they could potentially access up to $100,000 in underinsured motorist protection, which equals four times $25,000, in addition to what the at fault driver’s policy pays.

That structure is now changing.

What State Farm Is Changing in 2026

Beginning in 2026, State Farm is consolidating multiple vehicles in a household under a single policy number with one unified coverage limit.

While this may simplify billing and paperwork, it can also reduce the ability to stack coverage across multiple vehicles. Instead of separate limits for each car, a household may now have a single underinsured motorist limit that applies across all vehicles.

Under the new setup:

• That same household with four vehicles may now have a single $25,000 underinsured motorist limit.
• In a similar accident scenario, available protection could drop from $100,000 to $25,000, which may leave injured victims with far less compensation than they expected.

The practical effect is this: in a serious accident, the available coverage could be substantially lower than it would have been under the prior policy structure.

Why This Matters in Georgia

Medical costs continue to rise. Jury verdicts in strong plaintiff venues across Georgia regularly exceed minimum policy limits. A $25,000 limit does not go far in a catastrophic injury case.

If stacking is limited or eliminated under the consolidated structure, Georgia drivers may unknowingly carry far less protection than they previously had. Many policyholders will not notice the change unless they carefully compare their old declarations page with their new policy documents.

The risk is not theoretical. It becomes real the moment a crash happens.

What Georgia Drivers Should Do Now

If you are insured by State Farm:

• Review your current declarations page and confirm your uninsured and underinsured motorist limits for each vehicle.
• Compare your new 2026 consolidated policy to your prior structure.
• Ask specifically whether stacking still applies under your new policy.
• Consider increasing your underinsured motorist limits to protect your household.

Do not assume your coverage is the same simply because your premium has not dramatically changed.

Know Your Coverage. Know When to Call Bodewell.

At Bodewell Injury Law, we represent Georgia families after serious car accidents, including cases involving uninsured and underinsured drivers. We regularly analyze policy structures, stacking issues, and coverage disputes.

If you have questions about how the 2026 State Farm changes affect you, or if you were injured in a crash and are unsure how much coverage is available, contact Bodewell for a free consultation.

Insurance policies are written in dense language. We help you understand what protection you actually have and fight to maximize the coverage available under Georgia law.

Before you renew. Before you assume. Before you settle. Make sure your coverage truly protects your family.