UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report July 9, 2004 (Date of earliest event reported) VESTA INSURANCE GROUP, INC. (Exact name of registrant as specified in its charter) Delaware 63-1097283 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 3760 River Run Drive 35243 Birmingham, Alabama (Zip Code) (Address of principal executive offices) (205) 970-7000 (Registrant's telephone number, including area code) Item 9. Regulation FD Disclosure. On July 9, 2004 the Registrant issued a press release announcing the pricing of the initial public offering of its non-standard auto subsidiary, Affirmative Insurance Holdings, Inc. A copy of this press release is attached as Exhibit 99.1 and incorporated herein by reference. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized. Dated as of July 9, 2004. VESTA INSURANCE GROUP, INC. By: /s/ Donald W. Thorton ------------------------------------ Its: Senior Vice President -- General Counsel and Secretary