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
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 July 25, 2024

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Cheapest recent rates in Georgia for drivers with an SR-22

Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $78/mo for full coverage in Georgia.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 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: Monday, July 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners$919
State Farm$989
COUNTRY Financial$999
Allstate$1079
Mile Auto$1088
USAA$1149
Progressive$1328
Safeco$1398
GEICO$1589
Mercury$1638
Clearcover$1727
Liberty Mutual$1988
Elephant$1988
Direct Auto$1997
AssuranceAmerica$2025
GAINSCO$2207
Midvale Home & Auto$2208
National General$2307
Nationwide$2369
Infinity$2900
The General$3007
Bristol West$3335
Foremost$3587
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: Monday, July 1 at 12:00 PM PDT
City NameInsurance CompanyAverage Monthly Quote: Liability Only
DaltonAuto-Owners$64
DaltonState Farm$68
DaltonCOUNTRY Financial$70
ValdostaAuto-Owners$70
DaltonAllstate$74
DaltonMile Auto$75
ValdostaCOUNTRY Financial$75
ValdostaState Farm$75
DaltonUSAA$80
AthensAuto-Owners$81
ValdostaAllstate$81
AlbanyAuto-Owners$82
ValdostaMile Auto$82
AthensState Farm$87
AugustaAuto-Owners$87
GainesvilleAuto-Owners$87
ValdostaUSAA$87
AlbanyState Farm$88
AthensCOUNTRY Financial$88
AlbanyCOUNTRY Financial$90
ColumbusAuto-Owners$90
Warner RobinsAuto-Owners$91
DaltonProgressive$92
AthensAllstate$94
AugustaState Farm$94
GainesvilleState Farm$94
AthensMile Auto$95
AugustaCOUNTRY Financial$95
GainesvilleCOUNTRY Financial$95
AlbanyAllstate$97
ColumbusState Farm$97
DallasAuto-Owners$97
WoodstockAuto-Owners$97
AlbanyMile Auto$98
ColumbusCOUNTRY Financial$98
DaltonSafeco$98
Warner RobinsState Farm$98
MariettaAuto-Owners$99
Warner RobinsCOUNTRY Financial$99
AthensUSAA$101
ValdostaProgressive$101
AlbanyUSAA$102
AugustaAllstate$102
GainesvilleAllstate$102
GainesvilleMile Auto$102
AugustaMile Auto$104
LawrencevilleAuto-Owners$104
SavannahAuto-Owners$104
WoodstockState Farm$104
AlpharettaAuto-Owners$105
ColumbusAllstate$105
DallasState Farm$105
WoodstockCOUNTRY Financial$105
ColumbusMile Auto$107
DallasCOUNTRY Financial$107
MariettaState Farm$107
ValdostaSafeco$107
Warner RobinsAllstate$107
GainesvilleUSAA$108
MariettaCOUNTRY Financial$108
Warner RobinsMile Auto$108
AugustaUSAA$109
DaltonGEICO$111
SavannahState Farm$111
ColumbusUSAA$112
LawrencevilleState Farm$112
SavannahCOUNTRY Financial$112
AlpharettaState Farm$114
DallasAllstate$114
DaltonMercury$114
LawrencevilleCOUNTRY Financial$114
Warner RobinsUSAA$114
WoodstockAllstate$114
AlpharettaCOUNTRY Financial$115
DallasMile Auto$115
WoodstockMile Auto$115
AthensProgressive$117
AtlantaAuto-Owners$117
MariettaAllstate$117
MariettaMile Auto$118
AlbanyProgressive$119
MaconAuto-Owners$119
DallasUSAA$121
DaltonClearcover$121
SavannahAllstate$121
ValdostaGEICO$121
WoodstockUSAA$121
LawrencevilleAllstate$122
SavannahMile Auto$122
AlpharettaAllstate$124
AthensSafeco$124
LawrencevilleMile Auto$124
MariettaUSAA$124
AlbanySafeco$125
AlpharettaMile Auto$125
ValdostaMercury$125
AtlantaState Farm$126
AugustaProgressive$126
GainesvilleProgressive$126
AtlantaCOUNTRY Financial$128
MaconState Farm$128
MaconCOUNTRY Financial$129
SavannahUSAA$129
ColumbusProgressive$131
LawrencevilleUSAA$131
ValdostaClearcover$131
AlpharettaUSAA$132
GainesvilleSafeco$132
Warner RobinsProgressive$132
AugustaSafeco$134
AtlantaAllstate$136
ColumbusSafeco$136
DaltonElephant$138
DaltonLiberty Mutual$138
Warner RobinsSafeco$138
AthensGEICO$139
AtlantaMile Auto$139
DaltonDirect Auto$139
MaconAllstate$139
DallasProgressive$141
DaltonAssuranceAmerica$141
MaconMile Auto$141
WoodstockProgressive$141
AlbanyGEICO$142
MariettaProgressive$144
AthensMercury$145
AtlantaUSAA$146
AlbanyMercury$148
MaconUSAA$148
WoodstockSafeco$148
DallasSafeco$149
AugustaGEICO$151
GainesvilleGEICO$151
LawrencevilleProgressive$151
SavannahProgressive$151
ValdostaElephant$151
ValdostaLiberty Mutual$151
AthensClearcover$152
MariettaSafeco$152
ValdostaDirect Auto$152
AlpharettaProgressive$153
DaltonGAINSCO$153
DaltonMidvale Home & Auto$153
ValdostaAssuranceAmerica$153
AlbanyClearcover$155
ColumbusGEICO$155
AugustaMercury$156
GainesvilleMercury$156
Warner RobinsGEICO$156
SavannahSafeco$158
LawrencevilleSafeco$159
ColumbusMercury$161
DaltonNational General$161
AlpharettaSafeco$162
Warner RobinsMercury$162
GainesvilleClearcover$163
AugustaClearcover$165
DaltonNationwide$165
DallasGEICO$168
ValdostaGAINSCO$168
ValdostaMidvale Home & Auto$168
WoodstockGEICO$168
ColumbusClearcover$169
AtlantaProgressive$171
Warner RobinsClearcover$171
MaconProgressive$172
MariettaGEICO$172
WoodstockMercury$173
AthensElephant$175
AthensLiberty Mutual$175
DallasMercury$175
ValdostaNational General$175
AthensDirect Auto$176
AlbanyElephant$178
AlbanyLiberty Mutual$178
MariettaMercury$178
AlbanyDirect Auto$179
AthensAssuranceAmerica$179
AtlantaSafeco$179
SavannahGEICO$179
ValdostaNationwide$179
LawrencevilleGEICO$180
AlbanyAssuranceAmerica$182
MaconSafeco$182
AlpharettaGEICO$183
DallasClearcover$183
WoodstockClearcover$183
SavannahMercury$185
LawrencevilleMercury$188
MariettaClearcover$188
AlpharettaMercury$189
AugustaElephant$189
AugustaLiberty Mutual$189
GainesvilleDirect Auto$189
GainesvilleElephant$189
GainesvilleLiberty Mutual$189
AugustaDirect Auto$190
GainesvilleAssuranceAmerica$192
AugustaAssuranceAmerica$193
AthensGAINSCO$195
AthensMidvale Home & Auto$195
ColumbusElephant$195
ColumbusLiberty Mutual$195
SavannahClearcover$195
ColumbusDirect Auto$196
Warner RobinsElephant$196
Warner RobinsLiberty Mutual$196
LawrencevilleClearcover$198
Warner RobinsDirect Auto$198
AlbanyGAINSCO$199
AlbanyMidvale Home & Auto$199
AlpharettaClearcover$199
ColumbusAssuranceAmerica$199
Warner RobinsAssuranceAmerica$200
AtlantaGEICO$203
DaltonInfinity$203
AthensNational General$205
MaconGEICO$206
AlbanyNational General$207
AthensNationwide$209
AtlantaMercury$210
DallasElephant$210
DallasLiberty Mutual$210
DaltonThe General$210
GainesvilleGAINSCO$210
GainesvilleMidvale Home & Auto$210
WoodstockElephant$210
WoodstockLiberty Mutual$210
AugustaGAINSCO$212
AugustaMidvale Home & Auto$212
DallasDirect Auto$212
WoodstockDirect Auto$212
AlbanyNationwide$213
MaconMercury$213
MariettaElephant$215
MariettaLiberty Mutual$215
WoodstockAssuranceAmerica$215
DallasAssuranceAmerica$216
MariettaDirect Auto$216
ColumbusGAINSCO$217
ColumbusMidvale Home & Auto$217
GainesvilleNational General$219
Warner RobinsGAINSCO$219
Warner RobinsMidvale Home & Auto$219
AtlantaClearcover$220
AugustaNational General$220
MariettaAssuranceAmerica$220
ValdostaInfinity$220
GainesvilleNationwide$225
MaconClearcover$225
SavannahElephant$225
SavannahLiberty Mutual$225
AugustaNationwide$226
ColumbusNational General$226
LawrencevilleElephant$226
LawrencevilleLiberty Mutual$226
SavannahDirect Auto$226
LawrencevilleDirect Auto$227
AlpharettaElephant$229
AlpharettaLiberty Mutual$229
SavannahAssuranceAmerica$229
ValdostaThe General$229
Warner RobinsNational General$229
AlpharettaDirect Auto$230
ColumbusNationwide$232
LawrencevilleAssuranceAmerica$232
DaltonBristol West$233
AlpharettaAssuranceAmerica$234
DallasGAINSCO$234
DallasMidvale Home & Auto$234
Warner RobinsNationwide$234
WoodstockGAINSCO$234
WoodstockMidvale Home & Auto$234
MariettaGAINSCO$240
MariettaMidvale Home & Auto$240
WoodstockNational General$244
DallasNational General$246
DaltonForemost$250
MariettaNational General$250
SavannahGAINSCO$250
SavannahMidvale Home & Auto$250
WoodstockNationwide$250
DallasNationwide$252
LawrencevilleGAINSCO$252
LawrencevilleMidvale Home & Auto$252
ValdostaBristol West$253
AtlantaElephant$254
AtlantaLiberty Mutual$254
AlpharettaGAINSCO$256
AlpharettaMidvale Home & Auto$256
AtlantaDirect Auto$256
AthensInfinity$257
MaconElephant$257
MaconLiberty Mutual$257
MariettaNationwide$257
AtlantaAssuranceAmerica$259
MaconDirect Auto$260
AlbanyInfinity$262
SavannahNational General$262
MaconAssuranceAmerica$263
LawrencevilleNational General$264
AthensThe General$266
AlpharettaNational General$267
SavannahNationwide$267
AlbanyThe General$270
LawrencevilleNationwide$270
ValdostaForemost$273
AlpharettaNationwide$274
GainesvilleInfinity$276
AugustaInfinity$279
AtlantaGAINSCO$283
AtlantaMidvale Home & Auto$283
ColumbusInfinity$286
GainesvilleThe General$286
AugustaThe General$287
MaconGAINSCO$287
MaconMidvale Home & Auto$287
Warner RobinsInfinity$289
AthensBristol West$294
AtlantaNational General$296
ColumbusThe General$296
Warner RobinsThe General$298
AlbanyBristol West$300
MaconNational General$301
AtlantaNationwide$303
MaconNationwide$308
WoodstockInfinity$308
DallasInfinity$310
MariettaInfinity$316
AthensForemost$317
GainesvilleBristol West$317
AugustaBristol West$318
WoodstockThe General$318
DallasThe General$320
AlbanyForemost$323
ColumbusBristol West$327
MariettaThe General$327
SavannahInfinity$328
Warner RobinsBristol West$331
LawrencevilleInfinity$333
AlpharettaInfinity$337
SavannahThe General$340
GainesvilleForemost$341
AugustaForemost$344
LawrencevilleThe General$344
AlpharettaThe General$348
ColumbusForemost$352
WoodstockBristol West$354
DallasBristol West$355
Warner RobinsForemost$357
MariettaBristol West$362
AtlantaInfinity$372
WoodstockForemost$381
DallasForemost$382
AtlantaThe General$385
MariettaForemost$389
MaconThe General$392
SavannahForemost$406
LawrencevilleForemost$411
AlpharettaForemost$415
AtlantaForemost$460
MaconForemost$468
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 recent rates in Georgia for drivers with an SR-22

Drivers in and around Georgia have found policies from Mile Auto, Bristol West, Foremost, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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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