Cheap SR-22 Insurance in Georgia From $76
The average rate for SR-22 insurance in Georgia is $94 per month for liability coverage.
Excellent
)
Written byLindsay VanSomeren
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
Updated November 20, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
If you have a suspended license in Georgia due to offenses like reckless driving, DUIs, or unpaid child support, you may need your insurer to file a form SR-22 with the state as proof of coverage before it can reinstate your license.[1] These policies aren’t cheap, but you can find the lowest rates by shopping around.
Here’s what you should know about SR-22 insurance in Georgia.
Quick Facts
Georgia SR-22 insurance typically costs $76 more per month than regular car insurance coverage.
Buying an SR-22 non-owner insurance policy may be cheaper if you’ll be sharing a friend or family member’s car and may even be necessary if you don’t own a car.
Moving out of Georgia doesn’t necessarily mean you can forget about your SR-22 requirement in your new state.
Cheapest companies for SR-22 insurance in Georgia
Car insurance companies use various factors when pricing their coverage plans, and the rate you pay isn’t based solely on your driving record, but it’s a big factor. Here are some of the different companies offering the cheapest SR-22 insurance, according to Insurify’s database of average rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $76 | $122 |
| State Farm | $82 | $131 |
| COUNTRY Financial | $82 | $132 |
| Allstate | $89 | $143 |
| USAA | $95 | $153 |
| Mile Auto | $99 | $169 |
| Progressive | $119 | $212 |
| Safeco | $128 | $200 |
| GEICO | $132 | $212 |
| Mercury | $145 | $235 |
| Clearcover | $169 | $302 |
| Liberty Mutual | $187 | $326 |
| Nationwide | $197 | $315 |
| Direct Auto | $197 | $337 |
| GAINSCO | $208 | $412 |
| AssuranceAmerica | $224 | $378 |
| National General | $239 | $360 |
| The General | $286 | $489 |
| Infinity | $289 | $514 |
| Bristol West | $289 | $547 |
| Foremost | $326 | $422 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Georgia?
Georgia law requires that drivers with convictions for serious driving violations provide proof of insurance by having their insurer file a certificate of financial responsibility with the state in order to begin the reinstatement process for a suspended license.[2]
This document is also known as a Georgia Safety Responsibility Insurance Certificate or, more commonly, an SR-22 certificate. It’s not a specific type of insurance coverage. Rather, it’s a form that insurers file with the state that shows high-risk drivers meet their state’s minimum car insurance requirements.
Since these policies come with a higher risk for the insurance companies, they typically come with higher car insurance costs for you, too. That’s true whether you’re talking about a policy offering full coverage or if you’re only looking for a minimum amount of liability coverage.
Find Cheap Car Insurance in Georgia
Liability rates start at $72 per month for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Difference between SR-22 and FR-44
Florida and Virginia sometimes require drivers with convictions for more serious offenses to file an FR-44 form instead of an SR-22.
FR-44 certificates carry higher minimum-coverage requirements. In Virginia, for example, drivers with an FR-44 requirement must have double the coverage they’d need with an SR-22.
FR-44 forms aren’t required in Georgia — only Florida and Virginia use these forms.
When you need SR-22 insurance
If you’re dealing with a license suspension or court order, you may need to buy SR-22 coverage. In Georgia, you can have your license suspended for offenses such as:
Unpaid child support
Driving under the influence
Driving without insurance coverage
Having a large number of points violations
Failure to appear in court or pay traffic fines
Exceeding the speed limit by a large amount
Repeat offenders may face additional requirements. If you’re caught driving uninsured several times, for example, you may need to file a form SR-22A instead, which comes with a minimum filing period of at least three years.
How to get SR-22 insurance in Georgia
If you’re required to have an SR-22, follow these steps to get the coverage you need:
1. Find an insurer that files SR-22s
Not all insurers will file a financial responsibility insurance form. If your current insurer doesn’t, try looking for insurers specializing in high-risk policies or check with an independent agent.
2. Compare car insurance quotes
Get several quotes from insurers that file SR-22s in order to find the best rate for your situation. Keep in mind many insurance agents offer discounts if you bundle your policy with other insurance products from the same company, such as renters insurance.
3. Make sure your insurer files the right forms
You may need to pay a small filing fee with some insurers to file the SR-22 form.[3] After they’ve filed the form, check that it’s showing up correctly with your state DMV.
4. Maintain continuous car insurance coverage
Keep paying your premiums on time until you receive notice from the motor vehicles department that you’re in the clear to stop filing an SR-22. Then, you can get a quote from other companies to see if you can find more affordable coverage.
How long Georgia requires SR-22 insurance
Georgia doesn’t specify the exact amount of time you’ll need to carry SR-22 car insurance for most types of violations. Instead, you’ll need to check with the courts or your online account through the Department of Driver Services (DDS) website to understand your timeline.
If you have multiple convictions for driving uninsured, you’ll need to maintain SR-22 insurance coverage for at least a three-year period. In addition, you’ll generally need to pay your premiums in full for a minimum time period of six months with each policy renewal, rather than paying monthly.
Compare Georgia Car Insurance Quotes
Compare quotes from real insurers in minutes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How SR-22 insurance affects driving record and future rates in Georgia
The state of Georgia doesn’t specify how long information generally stays on your driving record, so it’s tough to say how long you might see an effect on your rates.
For DUIs, at least, that information is permanently listed on your driving record, although auto insurance companies can only see your DUI history for 10 years.
You can minimize the damage by following a few tips:
Avoid coverage lapses. A lapse in coverage can have serious consequences and penalties. For example, you may need to pay for SR-22 coverage in full rather than paying your premium over time in order to avoid future insurance lapses.
Borrow someone’s car. If the car’s owner files form DS-266 with the state showing they have coverage on the car they’re lending you, you may be able to get cheaper SR-22 insurance with a non-owner policy.
Drive safely. Getting another traffic violation on your record can escalate things further. Think of this as a training period to learn better driving habits so that you’re ready when it comes time to buy regular car insurance.
Georgia SR-22 insurance FAQs
It’s important you understand your SR-22 requirements if you’re required to carry this type of insurance coverage. Failure to do so could result in license suspension. Here’s the most important information people commonly have questions about.
How do you know if you need an SR-22 or FR-44?
If you received a license suspension after a conviction for a serious traffic violation like a DUI, you may need to file a form SR-22 with the Georgia Department of Driver Services to reinstate your license. You might see people living in nearby Florida talking about a similar form, FR-44, but the state of Georgia doesn’t use this form.
Are there any fees with SR-22 insurance?
It depends on the insurer, but generally, yes. Many insurers will charge a separate fee of around $25 to file an SR-22 certificate with the state of Georgia to reinstate your license. You’ll also typically pay a lot more for insurance, and the state government may impose additional fees to reinstate your license.
How much do car insurance rates increase after filing an SR-22?
Your rates could increase by an average of $76 per month after filing an SR-22, according to Insurify data.
How long do you have to hold an SR-22 in Georgia?
It depends on the type of driving offense you have. The state of Georgia recommends that you check your online account with the Department of Driver Services to verify the requirements to reinstate your license. If you have multiple convictions for driving uninsured, you’ll need to keep your SR-22 policy in place for three years.
How do you get rid of an SR-22 in Georgia?
When you’re ready to cancel your policy, ask your insurer to submit a form SR-26 to the state. This form will provide notice of the change. Make sure you verify with the state beforehand that you’re clear to cancel the policy first, though, because otherwise you could lose your driver’s license.
What happens to your SR-22 in Georgia if you move?
Moving out of state doesn’t necessarily change your requirement to file an SR-22. Check with the DMV in both states to be sure, because you may still need to keep filing an SR-22 in Georgia even if you no longer live there. If you violate the law, even unknowingly, you could lose your license.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Georgia
Sources
- Georgia Department of Driver Services. "Reinstate License."
- Georgia Secretary of State. "Subject 375-3-3 REVOCATION AND SUSPENSION."
- NOLO. "SR-22 Insurance: What It Is and When It’s Required."
)
Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
)
)
)
)
)