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.

Featured in

media logomedia logomedia logo
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

media logomedia logo
Amber Benka
Reviewed byAmber Benka
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 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
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.

Cheapest recent rates in Georgia

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $68/mo for full coverage in Georgia.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 23, 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 23, 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 23, 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 23, 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]

Find Georgia Car Insurance

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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: Thursday, May 16 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-Owners924.3
State Farm994.6
COUNTRY Financial1004.5
Allstate1074.4
Mile Auto1093.7
USAA1144.7
Progressive1334.2
Safeco1374.2
State Auto1454.2
Mercury1584.0
GEICO1584.4
Clearcover1693.4
National General1863.4
Liberty Mutual1923.9
Elephant1954.1
AssuranceAmerica1982.7
Direct Auto1983.6
GAINSCO2163.7
Midvale Home & Auto2224.0
Nationwide2374.4
Infinity2820.0
The General2963.6
Bristol West3302.6
Foremost3533.7
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: Thursday, May 23 at 12:00 PM PDT
City NameInsurance CompanyAverage Monthly Quote: Liability Only
DaltonAuto-Owners66
ValdostaAuto-Owners66
DaltonState Farm71
DaltonCOUNTRY Financial72
ValdostaState Farm72
ValdostaCOUNTRY Financial73
DaltonAllstate78
DaltonMile Auto78
ValdostaAllstate79
ValdostaMile Auto79
AlbanyAuto-Owners80
AthensAuto-Owners82
DaltonUSAA83
ValdostaUSAA85
AlbanyState Farm86
AlbanyCOUNTRY Financial88
AthensState Farm88
AthensCOUNTRY Financial89
AugustaAuto-Owners89
ColumbusAuto-Owners89
GainesvilleAuto-Owners89
Warner RobinsAuto-Owners90
AlbanyAllstate95
AlbanyMile Auto95
AlpharettaAuto-Owners95
DaltonProgressive95
WoodstockAuto-Owners95
AugustaState Farm96
ColumbusState Farm96
GainesvilleState Farm96
MariettaAuto-Owners96
ValdostaProgressive96
AthensAllstate97
AthensMile Auto97
AugustaCOUNTRY Financial97
ColumbusCOUNTRY Financial97
DallasAuto-Owners97
GainesvilleCOUNTRY Financial97
Warner RobinsState Farm97
DaltonSafeco99
Warner RobinsCOUNTRY Financial99
ValdostaSafeco100
AlbanyUSAA102
AlpharettaState Farm102
DaltonState Auto102
WoodstockState Farm102
AlpharettaCOUNTRY Financial103
AthensUSAA103
LawrencevilleAuto-Owners103
ValdostaState Auto103
WoodstockCOUNTRY Financial103
MariettaState Farm104
AugustaAllstate106
AugustaMile Auto106
ColumbusAllstate106
ColumbusMile Auto106
DallasState Farm106
GainesvilleAllstate106
GainesvilleMile Auto106
MariettaCOUNTRY Financial106
Warner RobinsAllstate106
Warner RobinsMile Auto106
DallasCOUNTRY Financial107
SavannahAuto-Owners107
AlpharettaAllstate112
AlpharettaMile Auto112
ColumbusUSAA112
GainesvilleUSAA112
LawrencevilleState Farm112
WoodstockAllstate112
WoodstockMile Auto112
AugustaUSAA113
DaltonMercury113
LawrencevilleCOUNTRY Financial113
Warner RobinsUSAA113
AtlantaAuto-Owners114
DaltonGEICO114
MariettaAllstate114
MariettaMile Auto114
ValdostaMercury114
AlbanyProgressive116
DallasAllstate116
DallasMile Auto116
SavannahState Farm116
ValdostaGEICO116
SavannahCOUNTRY Financial117
AthensProgressive119
WoodstockUSAA119
AlpharettaUSAA120
MaconAuto-Owners120
AlbanySafeco121
DaltonClearcover121
MariettaUSAA121
AthensSafeco123
DallasUSAA123
LawrencevilleAllstate123
LawrencevilleMile Auto123
ValdostaClearcover123
AlbanyState Auto124
AtlantaState Farm124
AthensState Auto126
AtlantaCOUNTRY Financial126
SavannahAllstate127
SavannahMile Auto127
ColumbusProgressive128
GainesvilleProgressive128
MaconState Farm128
AugustaProgressive130
Warner RobinsProgressive130
LawrencevilleUSAA131
MaconCOUNTRY Financial131
AugustaSafeco134
ColumbusSafeco134
DaltonNational General134
GainesvilleSafeco134
AtlantaAllstate136
AtlantaMile Auto136
SavannahUSAA136
Warner RobinsSafeco136
WoodstockProgressive136
AlpharettaProgressive137
AugustaState Auto137
ColumbusState Auto137
GainesvilleState Auto137
ValdostaNational General137
AlbanyMercury138
Warner RobinsState Auto138
AlbanyGEICO140
DaltonElephant140
DaltonLiberty Mutual140
MariettaProgressive140
AthensMercury141
DallasProgressive141
DaltonDirect Auto141
MaconAllstate141
MaconMile Auto141
ValdostaElephant141
ValdostaLiberty Mutual141
AlpharettaSafeco143
AthensGEICO143
DaltonAssuranceAmerica143
ValdostaDirect Auto143
WoodstockSafeco143
ValdostaAssuranceAmerica144
AlpharettaState Auto145
AtlantaUSAA145
MariettaSafeco145
WoodstockState Auto145
AlbanyClearcover148
DallasSafeco148
MariettaState Auto148
LawrencevilleProgressive150
AthensClearcover151
DallasState Auto151
MaconUSAA151
AugustaMercury154
ColumbusMercury154
GainesvilleMercury154
AugustaGEICO155
ColumbusGEICO155
DaltonGAINSCO155
GainesvilleGEICO155
SavannahProgressive155
Warner RobinsMercury155
LawrencevilleSafeco157
ValdostaGAINSCO157
Warner RobinsGEICO157
DaltonMidvale Home & Auto158
LawrencevilleState Auto160
ValdostaMidvale Home & Auto160
SavannahSafeco161
AlpharettaMercury162
WoodstockMercury162
AlpharettaGEICO164
ColumbusClearcover164
GainesvilleClearcover164
SavannahState Auto164
WoodstockGEICO164
AlbanyNational General165
AugustaClearcover165
AtlantaProgressive167
MariettaMercury167
Warner RobinsClearcover167
AthensNational General168
MariettaGEICO168
DallasMercury169
AlbanyElephant171
AlbanyLiberty Mutual171
DallasGEICO171
DaltonNationwide171
AlbanyDirect Auto172
AthensElephant174
AthensLiberty Mutual174
AtlantaSafeco174
MaconProgressive174
ValdostaNationwide174
WoodstockClearcover174
AlbanyAssuranceAmerica175
AlpharettaClearcover175
AthensDirect Auto175
AtlantaState Auto176
AthensAssuranceAmerica178
LawrencevilleMercury178
MariettaClearcover178
DallasClearcover181
LawrencevilleGEICO181
MaconSafeco181
ColumbusNational General182
GainesvilleNational General182
AugustaNational General184
MaconState Auto184
SavannahMercury184
Warner RobinsNational General184
SavannahGEICO186
AlbanyGAINSCO189
AugustaElephant189
AugustaLiberty Mutual189
ColumbusElephant189
ColumbusLiberty Mutual189
GainesvilleElephant189
GainesvilleLiberty Mutual189
AugustaDirect Auto191
ColumbusDirect Auto191
GainesvilleDirect Auto191
LawrencevilleClearcover191
Warner RobinsElephant191
Warner RobinsLiberty Mutual191
AthensGAINSCO192
Warner RobinsDirect Auto192
WoodstockNational General192
AlbanyMidvale Home & Auto193
AlpharettaNational General193
AugustaAssuranceAmerica193
ColumbusAssuranceAmerica193
GainesvilleAssuranceAmerica193
Warner RobinsAssuranceAmerica195
AthensMidvale Home & Auto196
AtlantaMercury198
MariettaNational General198
SavannahClearcover198
AlpharettaElephant200
AlpharettaLiberty Mutual200
AtlantaGEICO200
DallasNational General200
WoodstockElephant200
WoodstockLiberty Mutual200
AlpharettaDirect Auto202
WoodstockDirect Auto202
DaltonInfinity203
AlpharettaAssuranceAmerica205
MariettaElephant205
MariettaLiberty Mutual205
WoodstockAssuranceAmerica205
MaconMercury206
MariettaDirect Auto206
ValdostaInfinity206
DallasElephant208
DallasLiberty Mutual208
MaconGEICO208
AlbanyNationwide209
ColumbusGAINSCO209
DallasDirect Auto209
GainesvilleGAINSCO209
MariettaAssuranceAmerica209
AugustaGAINSCO210
AtlantaClearcover212
DallasAssuranceAmerica212
DaltonThe General212
LawrencevilleNational General212
Warner RobinsGAINSCO212
AthensNationwide213
ColumbusMidvale Home & Auto213
GainesvilleMidvale Home & Auto213
AugustaMidvale Home & Auto215
ValdostaThe General216
Warner RobinsMidvale Home & Auto216
SavannahNational General219
LawrencevilleElephant220
LawrencevilleLiberty Mutual220
MaconClearcover220
LawrencevilleDirect Auto222
WoodstockGAINSCO222
AlpharettaGAINSCO223
LawrencevilleAssuranceAmerica224
WoodstockMidvale Home & Auto226
AlpharettaMidvale Home & Auto227
MariettaGAINSCO227
SavannahElephant227
SavannahLiberty Mutual227
SavannahDirect Auto229
DallasGAINSCO230
ColumbusNationwide232
GainesvilleNationwide232
MariettaMidvale Home & Auto232
SavannahAssuranceAmerica232
AugustaNationwide233
DallasMidvale Home & Auto234
Warner RobinsNationwide234
AtlantaNational General236
DaltonBristol West237
ValdostaBristol West240
AtlantaElephant244
AtlantaLiberty Mutual244
LawrencevilleGAINSCO244
MaconNational General244
WoodstockNationwide244
AlpharettaNationwide246
AtlantaDirect Auto246
AlbanyInfinity248
LawrencevilleMidvale Home & Auto248
AtlantaAssuranceAmerica250
MariettaNationwide251
SavannahGAINSCO251
AthensInfinity253
DaltonForemost253
DallasNationwide254
MaconElephant254
MaconLiberty Mutual254
MaconDirect Auto256
SavannahMidvale Home & Auto257
ValdostaForemost257
AlbanyThe General260
MaconAssuranceAmerica260
AthensThe General264
LawrencevilleNationwide270
AtlantaGAINSCO271
AtlantaMidvale Home & Auto275
ColumbusInfinity275
GainesvilleInfinity275
AugustaInfinity277
SavannahNationwide278
Warner RobinsInfinity278
MaconGAINSCO282
MaconMidvale Home & Auto287
ColumbusThe General288
GainesvilleThe General288
AlbanyBristol West289
AugustaThe General289
Warner RobinsThe General291
WoodstockInfinity291
AlpharettaInfinity292
AthensBristol West295
MariettaInfinity298
AtlantaNationwide299
DallasInfinity302
WoodstockThe General304
AlpharettaThe General305
AlbanyForemost309
MaconNationwide311
MariettaThe General312
AthensForemost315
DallasThe General316
ColumbusBristol West320
GainesvilleBristol West320
LawrencevilleInfinity320
AugustaBristol West322
Warner RobinsBristol West323
SavannahInfinity330
LawrencevilleThe General335
WoodstockBristol West339
AlpharettaBristol West340
ColumbusForemost342
GainesvilleForemost342
AugustaForemost344
SavannahThe General346
Warner RobinsForemost346
MariettaBristol West347
DallasBristol West353
AtlantaInfinity356
WoodstockForemost361
AlpharettaForemost364
MaconInfinity370
AtlantaThe General371
MariettaForemost371
DallasForemost377
MaconThe General387
LawrencevilleForemost398
SavannahForemost411
AtlantaForemost442
MaconForemost460
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.

Find Georgia Car Insurance

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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

media logomedia logo
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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all