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

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Amber Benka
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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 March 26, 2024

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Cheapest recent rates in Georgia

Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $73/mo for full coverage in Georgia.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on March 25, 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 March 25, 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 March 25, 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 March 25, 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: Thursday, March 14 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-Owners864.0
State Farm934.5
COUNTRY Financial944.2
Allstate1024.2
Mile Auto1023.5
USAA1094.5
Progressive1263.9
Safeco1413.8
Mercury1453.6
GEICO1504.2
Clearcover1523.2
State Auto1584.0
Liberty Mutual1753.8
National General1753.1
AssuranceAmerica1782.2
Direct Auto1833.3
Elephant1833.8
GAINSCO2033.3
Nationwide2254.3
Infinity2420.0
The General2783.3
Bristol West3072.2
Foremost3353.5
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: Tuesday, March 26 at 12:00 PM PDT
City NameInsurance CompanyAverage Monthly Quote: Liability Only
DaltonAuto-Owners62
ValdostaAuto-Owners62
ValdostaState Farm66
DaltonCOUNTRY Financial68
DaltonState Farm68
ValdostaCOUNTRY Financial68
ValdostaAllstate73
ValdostaMile Auto73
DaltonAllstate74
DaltonMile Auto74
AlbanyAuto-Owners76
DaltonUSAA78
ValdostaUSAA78
AthensAuto-Owners80
GainesvilleAuto-Owners80
AlbanyState Farm81
AlbanyCOUNTRY Financial82
AlpharettaAuto-Owners82
ColumbusAuto-Owners82
AugustaAuto-Owners84
Warner RobinsAuto-Owners85
WoodstockAuto-Owners85
AthensState Farm86
GainesvilleCOUNTRY Financial86
GainesvilleState Farm86
MariettaAuto-Owners86
AthensCOUNTRY Financial88
AlbanyAllstate89
AlbanyMile Auto89
AlpharettaState Farm89
ColumbusState Farm89
AlpharettaCOUNTRY Financial90
AugustaState Farm90
ColumbusCOUNTRY Financial90
ValdostaProgressive90
AugustaCOUNTRY Financial92
DaltonProgressive92
Warner RobinsState Farm92
WoodstockState Farm92
MariettaState Farm93
Warner RobinsCOUNTRY Financial93
WoodstockCOUNTRY Financial93
AthensAllstate94
AthensMile Auto94
GainesvilleAllstate94
GainesvilleMile Auto94
MariettaCOUNTRY Financial94
AlbanyUSAA96
DallasAuto-Owners96
LawrencevilleAuto-Owners97
AlpharettaAllstate98
AlpharettaMile Auto98
ColumbusAllstate98
ColumbusMile Auto98
ValdostaSafeco98
AugustaAllstate100
AugustaMile Auto100
DaltonSafeco100
SavannahAuto-Owners100
AthensUSAA101
GainesvilleUSAA101
Warner RobinsAllstate101
Warner RobinsMile Auto101
WoodstockAllstate101
WoodstockMile Auto101
MariettaAllstate102
MariettaMile Auto102
AtlantaAuto-Owners104
DallasState Farm104
DaltonMercury104
ValdostaMercury104
AlpharettaUSAA105
AugustaUSAA105
ColumbusUSAA105
DallasCOUNTRY Financial105
LawrencevilleState Farm105
LawrencevilleCOUNTRY Financial106
SavannahState Farm108
ValdostaGEICO108
ValdostaState Auto108
Warner RobinsUSAA108
WoodstockUSAA108
DaltonGEICO109
DaltonState Auto109
MariettaUSAA109
SavannahCOUNTRY Financial109
AlbanyProgressive110
DaltonClearcover110
ValdostaClearcover110
AtlantaState Farm112
AtlantaCOUNTRY Financial113
DallasAllstate113
DallasMile Auto113
MaconAuto-Owners114
LawrencevilleAllstate116
LawrencevilleMile Auto116
AthensProgressive117
GainesvilleProgressive117
SavannahAllstate118
SavannahMile Auto118
AlbanySafeco120
AlpharettaProgressive121
ColumbusProgressive121
DallasUSAA121
AugustaProgressive122
LawrencevilleUSAA122
AtlantaAllstate124
AtlantaMile Auto124
MaconState Farm124
MaconCOUNTRY Financial125
SavannahUSAA125
Warner RobinsProgressive125
WoodstockProgressive125
AlbanyMercury126
AthensSafeco126
GainesvilleSafeco126
MariettaProgressive126
ValdostaNational General126
DaltonLiberty Mutual128
DaltonNational General128
ValdostaLiberty Mutual128
ValdostaAssuranceAmerica129
DaltonAssuranceAmerica130
AlbanyGEICO132
AlbanyState Auto132
AlpharettaSafeco132
AtlantaUSAA132
ColumbusSafeco132
ValdostaElephant132
AthensMercury133
AugustaSafeco133
DaltonElephant133
GainesvilleMercury133
AlbanyClearcover134
ValdostaDirect Auto134
Warner RobinsSafeco134
DaltonDirect Auto136
MaconAllstate136
MaconMile Auto136
MariettaSafeco136
WoodstockSafeco136
AlpharettaMercury138
ColumbusMercury138
GainesvilleGEICO138
GainesvilleState Auto138
AthensGEICO140
AthensState Auto140
AugustaMercury140
DallasProgressive140
GainesvilleClearcover141
Warner RobinsMercury141
AthensClearcover142
LawrencevilleProgressive142
MariettaMercury142
WoodstockMercury142
AlpharettaGEICO144
AlpharettaState Auto144
ColumbusGEICO144
ColumbusState Auto144
MaconUSAA144
AugustaGEICO145
AugustaState Auto145
SavannahProgressive145
ValdostaGAINSCO145
AlpharettaClearcover146
ColumbusClearcover146
DaltonGAINSCO146
AugustaClearcover148
Warner RobinsGEICO148
Warner RobinsState Auto148
MariettaGEICO149
MariettaState Auto149
WoodstockGEICO149
WoodstockState Auto149
Warner RobinsClearcover150
AtlantaProgressive152
DallasSafeco152
MariettaClearcover152
WoodstockClearcover152
AlbanyLiberty Mutual154
AlbanyNational General154
LawrencevilleSafeco154
AlbanyAssuranceAmerica157
SavannahSafeco158
DallasMercury160
AlbanyElephant161
ValdostaNationwide161
AthensNational General162
DaltonNationwide162
GainesvilleNational General162
LawrencevilleMercury162
AlbanyDirect Auto164
AthensLiberty Mutual164
GainesvilleLiberty Mutual164
AtlantaSafeco165
GainesvilleAssuranceAmerica165
SavannahMercury165
AthensAssuranceAmerica166
DallasGEICO166
DallasState Auto166
MaconProgressive168
AlpharettaLiberty Mutual169
AlpharettaNational General169
ColumbusLiberty Mutual169
ColumbusNational General169
GainesvilleElephant169
LawrencevilleGEICO169
LawrencevilleState Auto169
AthensElephant170
AugustaNational General170
DallasClearcover170
AlpharettaAssuranceAmerica171
AugustaLiberty Mutual171
ColumbusAssuranceAmerica171
LawrencevilleClearcover171
AtlantaMercury173
GainesvilleDirect Auto173
SavannahGEICO173
SavannahState Auto173
Warner RobinsNational General173
AthensDirect Auto174
AugustaAssuranceAmerica174
MariettaNational General174
Warner RobinsLiberty Mutual174
WoodstockNational General174
AlpharettaElephant175
ColumbusElephant175
MariettaLiberty Mutual175
SavannahClearcover175
WoodstockLiberty Mutual175
AlbanyGAINSCO177
Warner RobinsAssuranceAmerica177
AugustaElephant178
MariettaAssuranceAmerica178
WoodstockAssuranceAmerica178
AlpharettaDirect Auto179
ColumbusDirect Auto179
AtlantaGEICO181
AtlantaState Auto181
MaconSafeco181
Warner RobinsElephant181
AugustaDirect Auto182
MariettaElephant182
ValdostaInfinity182
WoodstockElephant182
AtlantaClearcover183
DaltonInfinity183
Warner RobinsDirect Auto185
GainesvilleGAINSCO186
MariettaDirect Auto186
WoodstockDirect Auto186
AthensGAINSCO187
MaconMercury190
AlpharettaGAINSCO194
ColumbusGAINSCO194
DallasNational General194
AugustaGAINSCO195
AlbanyNationwide197
DallasLiberty Mutual197
LawrencevilleNational General198
MaconGEICO198
MaconState Auto198
DallasAssuranceAmerica199
LawrencevilleLiberty Mutual199
Warner RobinsGAINSCO199
WoodstockGAINSCO199
MariettaGAINSCO201
ValdostaThe General201
DaltonThe General202
LawrencevilleAssuranceAmerica202
MaconClearcover202
SavannahNational General202
DallasElephant203
SavannahLiberty Mutual203
LawrencevilleElephant206
SavannahAssuranceAmerica206
DallasDirect Auto207
GainesvilleNationwide207
AthensNationwide209
AtlantaNational General211
LawrencevilleDirect Auto211
SavannahElephant211
AtlantaLiberty Mutual213
AlpharettaNationwide215
AtlantaAssuranceAmerica215
ColumbusNationwide215
SavannahDirect Auto215
AugustaNationwide218
AlbanyInfinity221
AtlantaElephant221
Warner RobinsNationwide221
ValdostaBristol West222
WoodstockNationwide222
MariettaNationwide223
DallasGAINSCO225
DaltonBristol West225
AtlantaDirect Auto226
LawrencevilleGAINSCO227
GainesvilleInfinity233
MaconNational General233
SavannahGAINSCO233
AthensInfinity234
MaconLiberty Mutual234
MaconAssuranceAmerica238
ValdostaForemost239
DaltonForemost241
AlpharettaInfinity242
ColumbusInfinity242
AtlantaGAINSCO243
MaconElephant243
AlbanyThe General245
AugustaInfinity245
DallasNationwide249
MaconDirect Auto249
Warner RobinsInfinity249
WoodstockInfinity250
MariettaInfinity251
LawrencevilleNationwide253
GainesvilleThe General258
AthensThe General259
SavannahNationwide259
AlpharettaThe General267
ColumbusThe General267
MaconGAINSCO267
AtlantaNationwide270
AugustaThe General270
AlbanyBristol West271
Warner RobinsThe General275
WoodstockThe General277
MariettaThe General278
DallasInfinity281
LawrencevilleInfinity284
GainesvilleBristol West286
AthensBristol West287
AlbanyForemost291
SavannahInfinity291
AlpharettaBristol West296
ColumbusBristol West296
MaconNationwide298
AugustaBristol West300
AtlantaInfinity304
Warner RobinsBristol West304
GainesvilleForemost306
WoodstockBristol West307
AthensForemost308
MariettaBristol West308
DallasThe General310
LawrencevilleThe General314
AlpharettaForemost319
ColumbusForemost319
AugustaForemost322
SavannahThe General322
Warner RobinsForemost327
WoodstockForemost328
MariettaForemost331
MaconInfinity334
AtlantaThe General336
DallasBristol West343
LawrencevilleBristol West348
DallasForemost368
MaconThe General370
LawrencevilleForemost374
SavannahForemost383
AtlantaForemost400
MaconForemost440
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." Accessed May 18, 2023
  2. III. "What's the difference between auto policy cancellation and nonrenewal?." Accessed May 18, 2023
  3. III. "What determines the price of an auto insurance policy?." Accessed May 18, 2023
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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