Cheap SR-22 Insurance in Georgia (2024)

If you need SR-22 insurance in Georgia, it’s important to find the cheapest rates to mitigate your increased premiums.

Geoff Williams
Written byGeoff Williams
Geoff Williams
Geoff Williams
  • 27+ years writing about personal finance

  • Bylines in numerous notable publications

Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Amber Benka
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Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated May 2, 2024

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Cheapest recent rates in Georgia

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $79/mo for full coverage in Georgia.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 2, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 2, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you want to reinstate your Georgia driver’s license after a traffic violation or conviction, you may need to file an SR-22 with the state. Filing an SR-22 isn’t expensive, but the conviction that leads to one may raise your car insurance rates, which is why it’s important to research insurers that offer SR-22s and find one with the lowest rates. On average, SR-22 insurance in Georgia costs $318 a month — 27% more than the state average of $250.

Quick Facts
  • SR-22 insurance isn’t actually insurance. It’s paperwork indicating that you meet the state’s minimum insurance requirements.

  • Even if you don’t own a car, you may need to file a nonowner SR-22 form to reinstate your license.

  • Auto-Owners offers the cheapest SR-22 insurance in Georgia, at an average of $81 a month.

What is SR-22 insurance in Georgia, and when do you need it?

An SR-22 is a form that some drivers need to fill out to prove that their auto insurance policy meets the minimum liability coverage Georgia requires.

“An SR-22 is a certificate of financial responsibility that is required by some states for drivers who have been convicted of certain traffic offenses, such as driving under the influence, a DUI, or driving without insurance,” says John Espenschied, Insurance Brokers Group owner. “The SR-22 is filed with the state’s department of motor vehicles (DMV) and shows that the driver has met the state’s minimum liability insurance requirements.”

Georgia may suspend your license for the following violations:[1]

  • Driving at or faster than 75 mph on a two-lane highway

  • Driving at or faster than 85 mph on any road in Georgia

  • Failure to pay child support

  • Driving under the influence

  • Failure to appear in court or pay a traffic ticket

  • Failure to provide proof of insurance

  • Accumulating more than the allotted license points

Not every conviction requires an SR-22 for reinstatement, but if you have multiple convictions of failure to provide proof of insurance, the state will likely require an SR-22.[1]

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How can you get insurance with an SR-22 in Georgia?

If you need to add an SR-22 to your insurance policy, contact your insurance company and explain you need it to update your policy and file the form on your behalf.

Not all insurance companies will work with you if you need to file an SR-22. Your insurer might not offer SR-22 forms, or your driving history may trigger a cancellation.[2] In that case, you’d have to shop around for a new policy and find an insurer that will extend coverage to you.

How long is an SR-22 required in Georgia?

Georgia requires you to maintain continuous coverage with an SR-22 on file for three years.[1] If you have additional infractions on your driving record or your insurance company cancels your policy and you lose coverage, the state may suspend your license again.

Drivers with multiple convictions of driving without insurance may need to get an SR-22A form, which requires a paid-in-full receipt of insurance. Even if you don’t have a car, you need to file a nonowner SR-22 or SR-22A form with six months of premiums paid up front.

How much is an SR-22 in Georgia?

If you need an SR-22 in Georgia, you’ll pay a filing fee, and how much that costs will depend on your insurer. Across the country, most insurers tend to charge $15 to $35 to file the SR-22. Whatever you pay, Espenschied says that it will be “nominal.”

Cheapest companies for SR-22 insurance in Georgia

Insurance companies may deny you coverage if you need an SR-22, but quite a few companies in Georgia file SR-22 insurance for drivers. On average, drivers pay between $81 a month with Auto-Owners and $278 a month with Bristol West. 

The table below shows the insurance companies in Georgia that offer SR-22 insurance and their average monthly costs.

The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners914.0
State Farm984.5
COUNTRY Financial984.2
Allstate1064.2
Mile Auto1073.5
USAA1134.5
Progressive1313.9
Safeco1353.8
Mercury1543.6
GEICO1564.2
Clearcover1653.2
National General1843.1
Liberty Mutual1883.8
Elephant1933.8
AssuranceAmerica1932.2
Direct Auto1953.3
GAINSCO2123.3
Nationwide2354.3
Infinity2740.0
The General2933.3
Bristol West3282.2
Foremost3503.5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest insurance companies for SR-22 Georgia by city

Where you live is a common factor that insurance companies consider when determining your premiums. Areas with more drivers and higher rates of accidents and thefts tend to experience higher rates than rural areas.[3] For example, SR-22 drivers in Valdosta, Georgia, find average rates of $61 with State Farm, but drivers in Atlanta find average rates of $103 from the same insurer.

Below are some cities in Georgia and their average monthly costs for liability-only insurance for drivers with SR-22s.

The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT
City NameInsurance CompanyAverage Monthly Quote: Liability Only
DaltonAuto-Owners66
ValdostaAuto-Owners66
ValdostaState Farm70
DaltonCOUNTRY Financial71
DaltonState Farm71
ValdostaCOUNTRY Financial71
ValdostaAllstate77
ValdostaMile Auto77
DaltonAllstate78
DaltonMile Auto78
AlbanyAuto-Owners80
DaltonUSAA82
ValdostaUSAA82
AthensAuto-Owners84
GainesvilleAuto-Owners84
AlbanyState Farm85
AlbanyCOUNTRY Financial87
AlpharettaAuto-Owners87
ColumbusAuto-Owners87
AugustaAuto-Owners88
Warner RobinsAuto-Owners89
WoodstockAuto-Owners89
AthensState Farm91
GainesvilleCOUNTRY Financial91
GainesvilleState Farm91
MariettaAuto-Owners91
AthensCOUNTRY Financial92
AlbanyAllstate94
AlbanyMile Auto94
AlpharettaState Farm94
ColumbusState Farm94
AlpharettaCOUNTRY Financial95
AugustaState Farm95
ColumbusCOUNTRY Financial95
ValdostaProgressive95
AugustaCOUNTRY Financial96
DaltonProgressive96
Warner RobinsState Farm96
WoodstockState Farm96
MariettaState Farm98
Warner RobinsCOUNTRY Financial98
WoodstockCOUNTRY Financial98
AthensAllstate99
AthensMile Auto99
GainesvilleAllstate99
GainesvilleMile Auto99
MariettaCOUNTRY Financial99
AlbanyUSAA101
DallasAuto-Owners101
LawrencevilleAuto-Owners102
AlpharettaAllstate103
AlpharettaMile Auto103
ColumbusAllstate103
ColumbusMile Auto103
ValdostaSafeco103
AugustaAllstate105
AugustaMile Auto105
DaltonSafeco105
SavannahAuto-Owners105
AthensUSAA106
GainesvilleUSAA106
Warner RobinsAllstate106
Warner RobinsMile Auto106
WoodstockAllstate106
WoodstockMile Auto106
MariettaAllstate107
MariettaMile Auto107
AtlantaAuto-Owners109
DallasState Farm109
DaltonMercury109
ValdostaMercury109
AlpharettaUSAA110
AugustaUSAA110
ColumbusUSAA110
DallasCOUNTRY Financial110
LawrencevilleState Farm110
LawrencevilleCOUNTRY Financial112
SavannahState Farm113
ValdostaGEICO113
Warner RobinsUSAA113
WoodstockUSAA113
DaltonGEICO114
MariettaUSAA114
SavannahCOUNTRY Financial114
AlbanyProgressive116
DaltonClearcover116
ValdostaClearcover116
AtlantaState Farm117
AtlantaCOUNTRY Financial119
DallasAllstate119
DallasMile Auto119
MaconAuto-Owners120
LawrencevilleAllstate121
LawrencevilleMile Auto121
AthensProgressive123
GainesvilleProgressive123
SavannahAllstate124
SavannahMile Auto124
AlbanySafeco126
AlpharettaProgressive127
ColumbusProgressive127
DallasUSAA127
AugustaProgressive128
LawrencevilleUSAA128
AtlantaAllstate130
AtlantaMile Auto130
MaconState Farm130
MaconCOUNTRY Financial131
SavannahUSAA131
Warner RobinsProgressive131
WoodstockProgressive131
AlbanyMercury133
AthensSafeco133
GainesvilleSafeco133
MariettaProgressive133
ValdostaNational General133
DaltonLiberty Mutual134
DaltonNational General134
ValdostaLiberty Mutual134
ValdostaAssuranceAmerica135
DaltonAssuranceAmerica137
AlbanyGEICO138
AlpharettaSafeco138
AtlantaUSAA138
ColumbusSafeco138
ValdostaElephant138
AthensMercury140
AugustaSafeco140
DaltonElephant140
GainesvilleMercury140
AlbanyClearcover141
ValdostaDirect Auto141
Warner RobinsSafeco141
DaltonDirect Auto142
MaconAllstate142
MaconMile Auto142
MariettaSafeco142
WoodstockSafeco142
AlpharettaMercury145
ColumbusMercury145
GainesvilleGEICO145
AthensGEICO147
AugustaMercury147
DallasProgressive147
GainesvilleClearcover148
Warner RobinsMercury148
AthensClearcover149
LawrencevilleProgressive149
MariettaMercury149
WoodstockMercury149
AlpharettaGEICO151
ColumbusGEICO151
MaconUSAA151
AugustaGEICO152
SavannahProgressive152
ValdostaGAINSCO152
AlpharettaClearcover154
ColumbusClearcover154
DaltonGAINSCO154
AugustaClearcover155
Warner RobinsGEICO155
MariettaGEICO156
WoodstockGEICO156
Warner RobinsClearcover158
AtlantaProgressive159
DallasSafeco159
MariettaClearcover159
WoodstockClearcover159
AlbanyLiberty Mutual162
AlbanyNational General162
LawrencevilleSafeco162
AlbanyAssuranceAmerica165
SavannahSafeco166
DallasMercury168
AlbanyElephant169
ValdostaNationwide169
AthensNational General170
DaltonNationwide170
GainesvilleNational General170
LawrencevilleMercury170
AlbanyDirect Auto172
AthensLiberty Mutual172
GainesvilleLiberty Mutual172
AtlantaSafeco173
GainesvilleAssuranceAmerica173
SavannahMercury173
AthensAssuranceAmerica175
DallasGEICO175
MaconProgressive176
AlpharettaLiberty Mutual177
AlpharettaNational General177
ColumbusLiberty Mutual177
ColumbusNational General177
GainesvilleElephant177
LawrencevilleGEICO177
AthensElephant179
AugustaNational General179
DallasClearcover179
AlpharettaAssuranceAmerica180
AugustaLiberty Mutual180
ColumbusAssuranceAmerica180
LawrencevilleClearcover180
AtlantaMercury181
GainesvilleDirect Auto181
SavannahGEICO181
Warner RobinsNational General181
AthensDirect Auto183
AugustaAssuranceAmerica183
MariettaNational General183
Warner RobinsLiberty Mutual183
WoodstockNational General183
AlpharettaElephant184
ColumbusElephant184
MariettaLiberty Mutual184
SavannahClearcover184
WoodstockLiberty Mutual184
AlbanyGAINSCO186
Warner RobinsAssuranceAmerica186
AugustaElephant187
MariettaAssuranceAmerica187
WoodstockAssuranceAmerica187
AlpharettaDirect Auto188
ColumbusDirect Auto188
AtlantaGEICO190
MaconSafeco190
Warner RobinsElephant190
AugustaDirect Auto191
MariettaElephant191
ValdostaInfinity191
WoodstockElephant191
AtlantaClearcover193
DaltonInfinity193
Warner RobinsDirect Auto194
GainesvilleGAINSCO195
MariettaDirect Auto195
WoodstockDirect Auto195
AthensGAINSCO197
MaconMercury200
AlpharettaGAINSCO204
ColumbusGAINSCO204
DallasNational General204
AugustaGAINSCO205
AlbanyNationwide207
DallasLiberty Mutual207
LawrencevilleNational General208
MaconGEICO208
DallasAssuranceAmerica209
LawrencevilleLiberty Mutual209
Warner RobinsGAINSCO209
WoodstockGAINSCO209
MariettaGAINSCO211
ValdostaThe General211
DaltonThe General212
LawrencevilleAssuranceAmerica212
MaconClearcover212
SavannahNational General212
DallasElephant214
SavannahLiberty Mutual214
LawrencevilleElephant216
SavannahAssuranceAmerica216
DallasDirect Auto218
GainesvilleNationwide218
AthensNationwide219
AtlantaNational General222
LawrencevilleDirect Auto222
SavannahElephant222
AtlantaLiberty Mutual223
AlpharettaNationwide226
AtlantaAssuranceAmerica226
ColumbusNationwide226
SavannahDirect Auto226
AugustaNationwide229
AlbanyInfinity232
AtlantaElephant232
Warner RobinsNationwide232
ValdostaBristol West233
WoodstockNationwide233
MariettaNationwide235
DallasGAINSCO236
DaltonBristol West236
AtlantaDirect Auto237
LawrencevilleGAINSCO239
GainesvilleInfinity244
MaconNational General244
SavannahGAINSCO244
AthensInfinity246
MaconLiberty Mutual246
MaconAssuranceAmerica250
ValdostaForemost251
DaltonForemost253
AlpharettaInfinity254
ColumbusInfinity254
AtlantaGAINSCO255
MaconElephant255
AlbanyThe General257
AugustaInfinity257
DallasNationwide261
MaconDirect Auto261
Warner RobinsInfinity261
WoodstockInfinity262
MariettaInfinity264
LawrencevilleNationwide265
GainesvilleThe General271
AthensThe General272
SavannahNationwide272
AlpharettaThe General281
ColumbusThe General281
MaconGAINSCO281
AtlantaNationwide283
AugustaThe General283
AlbanyBristol West285
Warner RobinsThe General289
WoodstockThe General290
MariettaThe General292
DallasInfinity295
LawrencevilleInfinity299
GainesvilleBristol West300
AthensBristol West302
AlbanyForemost306
SavannahInfinity306
AlpharettaBristol West311
ColumbusBristol West311
MaconNationwide313
AugustaBristol West315
AtlantaInfinity320
Warner RobinsBristol West320
GainesvilleForemost321
WoodstockBristol West322
AthensForemost324
MariettaBristol West324
DallasThe General325
LawrencevilleThe General329
AlpharettaForemost335
ColumbusForemost335
AugustaForemost338
SavannahThe General338
Warner RobinsForemost343
WoodstockForemost345
MariettaForemost348
MaconInfinity350
AtlantaThe General353
DallasBristol West360
LawrencevilleBristol West366
DallasForemost387
MaconThe General388
LawrencevilleForemost392
SavannahForemost402
AtlantaForemost420
MaconForemost462
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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How SR-22 insurance affects driving record and future rates in Georgia

You’ll likely see your premiums increase when you file an SR-22. The average monthly premium that drivers with SR-22 insurance in Georgia pay is $318 for full coverage. The average monthly premium for Georgia drivers without SR-22 insurance is $250 a month.

High-risk drivers likely have higher premiums than drivers with clean driving records, but you can still lower insurance rates while under SR-22 insurance:

  • Improve your credit score. Insurance companies in Georgia can use your credit score to predict your likelihood of filing a claim. The higher your credit score, in theory, the lower your insurance premiums.

  • Ask your insurer about discounts. Your car may have certain safety features that will earn a discount, or you can bundle your auto insurance with your homeowners and bring down the price of both policies.

  • Take a defensive driving course. Some insurers will give you a break on your premiums if you take an approved defensive driving class.

  • Be a safe driver. Practice safe driving habits and avoid further convictions to improve your record slowly over time. Your insurance rates will decrease as negative marks fall off your record.

Georgia SR-22 insurance FAQs

If you need to file an SR-22 in Georgia, here’s some additional information that can help you navigate the process.

  • How long is an SR-22 required in Georgia?

    You have to have an SR-22 or SR-22A on file with Georgia for three years.[1]

  • How do you get rid of an SR-22 in Georgia?

    Time is the only thing that will remove SR-22s in Georgia. You may receive a notice from the Department of Driver Services (DDS), but if you don’t, and it’s been three years, check with the DDS to see if you can drop it. If so, you can tell your insurer to remove the SR-22 from your policy.

  • What happens to your SR-22 in Georgia if you move?

    You should talk to your insurer, but you may still have to file an SR-22 with the Georgia Department of Driver Services until the filing period has ended. Also, the insurance in your new state will need to have the minimum required insurance coverage in Georgia, even if your new state doesn’t require as much coverage. The company you’re insured with will need to be licensed in the new state you live in, as well as in Georgia.[1]

  • Do you need an SR-22 in Georgia if you don’t have a car?

    Yes. If you’re a Georgia resident, a court may decide that you need to file an SR-22, even if you don’t own a car. The coverage will protect you in case you rent a car or borrow somebody’s car and cause property damage or injury to somebody else.[1]

Sources

  1. Georgia Department of Driver Services. "Reinstate License."
  2. III. "What's the difference between auto policy cancellation and nonrenewal?."
  3. III. "What determines the price of an auto insurance policy?."
Geoff Williams
Geoff Williams

Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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