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Georgia

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$2,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Georgia

Insurance agency telemarketing and lead generation compliance in Georgia

Guide last reviewed: January 2025

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Mini-TCPA State — O.C.G.A. § 46-5-27

Georgia imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $2,000 per-violation penalties.

Georgia Insurance Overview

Insurance telemarketing in Georgia requires dual compliance: state telemarketing laws (registration + bond + DNC + calling rules) and Georgia Insurance Commissioner regulations. The criminal penalties for pattern automated calling violations add serious risk. Licensed agents with existing policyholders have EBR protection for manual calls, but new business development requires full compliance. Medicare-related calls face additional CMS scrutiny.

Penalty/Violation

$2,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Licensed agents must register as telemarketers if making outbound sales calls (unless solely calling existing policyholders),Post $50,000 bond if registration required,Scrub federal DNC list before calling,Manual dialing for cold outreach — 8 AM to 9 PM,Identify yourself as a licensed agent, state company name, and that it is a sales call,Do not misrepresent policy terms, coverage, or pricing — Fair Business Practices Act applies,EBR exemption for current policyholders (manual calls only),Honor opt-out requests immediately,Medicare and health insurance calls subject to additional federal CMS requirements,Criminal penalties for pattern violations of automated calling rules

What Gets Companies Sued

✗Common insurance violations: (1) Auto-dialing Medicare-eligible consumers; (2) Not registering as a telemarketer; (3) Misrepresenting coverage or premiums; (4) Calling DNC-registered numbers; (5) Failing to identify as a licensed agent and disclose sales purpose.

Special Exemptions

Licensed insurance agents with existing policyholders have an EBR exemption for manual calls. This covers policy servicing, renewals, and account management. Cold calling for new business requires full telemarketing compliance.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsAllowed

Consent Requirements→Registration Details→DNC List→

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →