Georgia forces every driver to carry mandatory liability insurance (O.C.G.A. § 40-6-10), yet the state lets people with a federal alien number (qualified aliens/non-immigrants) get a life insurance producer license by simply checking a box and providing their alien number—no full in-person verification required like for driver’s licenses.
[Attached PNG: My own affidavit as a U.S. citizen for my life insurance license]
This creates a bizarre double standard: The state trusts someone to sell life insurance policies (handling premiums and fiduciary duties) but bars many from driving. Meanwhile, citizens like me pay hundreds/thousands yearly for coverage + uninsured motorist protection because Georgia’s uninsured rate is ~18-19% (one of the highest nationally).
From a libertarian view, this is government compulsion subsidizing a broken system with loopholes. Why not repeal the mandate, go voluntary + post-accident financial responsibility (bonds/liens), and let people choose?
What do fellow libertarians think—does this violate equal protection or just show regulatory hypocrisy?
Should We Repeal Mandatory
Auto Insurance?
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What do you think about removing the car insurance mandate in Georgia? I spoke with a 22 year old black man who drives a new sedan – nothing flashy and he claims no accidents on his record — sweeping the floor at QT near children's hospital and he was paying $400/month on his car note (in part due to the cash for clunkers program destroying the engines of the used car market; many engines you could easily fix yourself especially today) on top of $300 for car insurance and $1700 for a two bedroom. So the car insurance as his third biggest expense and this is part of why OECD countries save 5% of after tax income whereas Chinese save 40%. Life insurance if you have children under 25 (or special children), mutual funds, and avocado toast could replace the car insurance expense to juice the economy. This young man was paying 1k more every year for car insurance than my 89 year old grandmother who drives her Lexus a lot and this is absurd when 80 year old women are killing families of four (pedestrians at a bus stop)
This is just one county. The mandatory insurance law is not stopping uninsured driving — it is creating a fine-based revenue stream while responsible drivers pay more in premiums. Repeal the mandate and lower costs for law-abiding Georgians.
These charts and numbers come directly from the official Gwinnett County records you received. They are 100% verifiable.
This is why every other county declined to provide me with the requested data for bogus reasons (
https://drive.google.com/file/d/121xc6Qoabv0tBQayHNYBTU0Eo4\_iBOnw/view?usp=sharing
The mandate is not working: 2,400–2,760 citations every single year in Gwinnett alone. The law has not reduced the problem in six years.
The system profits from failure: The county collected $1.78 million+ in fines while uninsured drivers stayed on the road.
It hurts the compliant: Responsible Georgians pay higher premiums to cover the risk created by thousands of uninsured drivers — while the county pockets the fines.
DDS already admitted the gap: They told you they have no centralized data. Gwinnett’s records show the massive scale at the local level.
DDS Total Traffic Noncompliance and Gwinnette revenue and citations for no insurance. No other county got back to me due to perverse incentives (
Posted by johnny_cheesedog