SR-22 Insurance in Georgia: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 insurance in Georgia is $189 per month for liability-only coverage.
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Written byJessica Martel
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Jessica MartelInsurance Writer
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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Quick Facts
An SR-22 form is a certificate of financial responsibility that proves you carry the minimum required liability coverage after certain traffic violations.
The overall average insurance cost for Georgia drivers with an SR-22 is $251 per month.
People convicted of a serious driving violation, such as driving under the influence (DUI), will require an SR-22 or SR-22A for driving without insurance to get their license reinstated in Georgia.
SR-22 requirements in Georgia
An SR-22 form is a certificate of financial responsibility. It’s not an insurance policy. If you commit a traffic offense and lose your license, you might need an SR-22 to prove you’ve purchased the minimum liability coverage.[1]
In Georgia, minimum car insurance requirements include $25,000 in bodily injury liability protection per person, $50,000 per incident, and $25,000 in property damage liability.[2]
Drivers convicted of driving under the influence (DUI) may have to purchase $50,000 per person and $100,000 per accident for bodily injury and $50,000 for property damage liability. A subsequent DUI will require $100,000 per person, $300,000 for bodily injury, and $100,000 for property damage liability.[3]
Georgia also has an SR-22A filing for certain repeat violations, such as multiple convictions for driving without insurance.
In most cases, Georgia drivers must maintain continuous SR-22 or SR-22A coverage for three years from the conviction date. A lapse or cancellation of coverage can result in the cancellation of your driver’s license.
SR-22 Insurance | Georgia Requirement |
|---|---|
| Who needs an SR-22 | Drivers who have committed a serious traffic offense, such as a DUI |
| Who needs an SR-22A | Drivers caught driving without insurance on repeat or multiple offenses |
| Minimum liability limit | 25/50/25 |
| Minimum liability for DUI (first offense) | 50/100/50 |
| Minimum liability for DUI (second offense) | 100/300/100 |
| Filing fee | $15–$50 |
| Duration | Must maintain for three years |
| Policy lapses or is canceled | Cancellation of your driver’s license |
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Liability rates average $189/mo. for drivers with an SR-22
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How much is SR-22 insurance in Georgia?
The average cost of car insurance for Georgia drivers with an SR-22 is $189 per month for liability-only coverage and $312 for a full-coverage policy.
If you require an SR-22 certificate, insurers see you as a high-risk driver, which can result in significantly higher insurance premiums compared to Georgia drivers with a clean record. Factors including the severity of your driving violation, your driving record, and the car insurance company you choose also influence the cost of your auto insurance coverage.
The following table shows the average monthly liability-only and full-coverage costs for Georgia drivers with a clean record compared to drivers with an SR-22.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $157 | $259 |
| With SR-22 | $189 | $312 |
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Georgia
The cheapest insurance company for SR-22 coverage in Georgia is Auto-Owners, but rates can vary based on individual factors like your age, ZIP code, driving history, and more.
To find the cheapest SR-22 coverage in Georgia, compare insurance quotes from multiple companies in the table below.
The below rates in Georgia are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $73 | $130 |
| State Farm | $78 | $139 |
| Country Financial | $79 | $141 |
| Allstate | $86 | $152 |
| Mile Auto | $92 | $163 |
| USAA | $92 | $163 |
| Progressive | $98 | $198 |
| Mercury | $128 | $218 |
| Root | $145 | $221 |
| Bristol West | $147 | $289 |
| GEICO | $147 | $271 |
| Clearcover | $153 | $281 |
| GAINSCO | $158 | $328 |
| Direct Auto | $159 | $276 |
| The General | $166 | $353 |
| AssuranceAmerica | $167 | $269 |
| National General | $179 | $284 |
| Safeco | $179 | $239 |
| Trexis One | $180 | $346 |
| Mendota | $188 | $346 |
| First Acceptance | $194 | $383 |
| Trexis | $198 | $381 |
| Liberty Mutual | $318 | $387 |
Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Georgia?
You might need an SR-22 if you commit a serious violation that results in a license cancellation, such as:[4]
Driving without insurance on multiple citations
Causing an accident while uninsured
Convictions for driving without minimum coverage require proof of insurance through an SR-22 certificate. If law enforcement catches you driving without insurance on a second offense or on multiple offenses, you’ll need an SR-22A to reinstate your license.
A DUI conviction for drivers with a blood alcohol concentration (BAC) of 0.08% or higher, drugs, or another intoxicating substance requires higher minimum liability coverage limits.
How to get SR-22 insurance in Georgia
If you require an SR-22 in Georgia, follow these steps:
Find an insurer. Not all insurance companies in Georgia offer SR-22 coverage because insurers classify drivers who need it as high risk. You may have to compare multiple insurers in Georgia to find one that files SR-22 forms.
Purchase a policy. Once you find an insurer that offers SR-22 certificates, purchase an auto policy with Georgia’s minimum liability requirements of 25/50/25 or 50/100/50 for a first-offense DUI conviction.
Ask for an SR-22 filing. Ask your insurer to file a certificate with the Georgia Department of Driver Services (DDS). Your insurer can fax the SR-22 form directly to the DDS. Be prepared to pay a filing fee, which can range from $15 to $50.
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How long does Georgia require SR-22 insurance?
Georgia drivers who require an SR-22 form must maintain minimum coverage for three years from the conviction date. Your insurer will report any lapse or cancellation, and the DDS will cancel your license.
Georgia drivers caught on a second or multiple offenses driving without insurance will require an SR-22A.
Common barriers to getting an SR-22 or SR-22A in Georgia include finding an insurer that issues these forms and the increased cost of insurance premiums.
Georgia SR-22 insurance FAQs
If you have a DUI or serious traffic violation on record in Georgia, you might need to file an SR-22 form to prove you carry the necessary liability insurance. Check out the following information to learn more about the SR-22 form in Georgia.
How much is SR-22 insurance in Georgia?
The average cost of motor vehicle insurance for Georgia drivers with an SR-22 is $189 per month for liability-only coverage and $312 for full coverage, according to Insurify data.
How does SR-22 insurance work in Georgia?
An SR-22 isn’t insurance. It’s a certificate of financial responsibility. If you commit a driving offense in Georgia and lose your license, you might require an SR-22 to prove you have purchased the state’s minimum liability coverage.
In most cases, you have to maintain continuous SR-22 coverage for three years from the conviction date. A lapse or cancellation of coverage can result in the cancellation of your driver’s license.
What is the cheapest SR-22 insurance in Georgia?
The cheapest insurer for SR-22 coverage in Georgia is Auto-Owners, but rates can vary based on factors like your age, ZIP code, driving history, and more. To find the cheapest SR-22 coverage in Georgia, compare insurance quotes from multiple companies.
Can you get an SR-22 online in Georgia?
It’s up to your insurance company to file an SR-22 form with the Georgia Department of Driver Services (DDS) on your behalf. Depending on the insurer, you can often get a quote and purchase coverage online.
Sources
- Georgia Department of Driver Services. "Reinstatement FAQS - No Proof of Insurance (Multiple Convictions)."
- Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Rules and Regulations of the State of Georgia. "Revocation and Suspension."
- Georgia Department of Driver Services. "Section 10 Continued: Safety Responsibility Law."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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.
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969