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SR-22 Insurance in Georgia After a DUI or Suspension

Georgia requires SR-22 filing for DUI convictions, license suspensions, and driving uninsured. The filing requirement typically lasts 3 years and costs $15–$50 to file, but high-risk premiums average $2,400–$5,200 annually depending on your violation type and carrier availability.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in Georgia

Georgia mandates minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. SR-22 filing is required for drivers convicted of DUI, caught driving uninsured, involved in at-fault accidents without insurance, or those with habitual traffic offenses. Under current Georgia Department of Driver Services requirements, the SR-22 filing period begins only when your insurer files proof of continuous coverage—any lapse, even one day, resets your obligation to zero.

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25/50/25
Liability Insurance
Georgia's minimum 25/50/25 liability limits are the legal floor, but a single serious injury claim can exceed $25,000 in seconds. High-risk drivers face rate increases of 80–150% after a DUI or at-fault accident, making every dollar of premium feel expensive, but carrying only minimums exposes you to personal asset risk if you're sued beyond policy limits. Many non-standard carriers in Georgia write policies at state minimums but will not discount for bundling or good student status—your violation locks you into base rates until the SR-22 period expires.
Matches liability minimum
SR-22 Insurance
SR-22 is not a separate insurance policy—it's a certificate your insurer files with the Georgia Department of Driver Services to prove you carry continuous coverage. The filing itself costs $15–$50 depending on carrier, but the premium increase comes from the underlying violation: a DUI in Georgia typically raises your annual premium by $1,800–$3,200 compared to a clean record. If your policy lapses for any reason—non-payment, cancellation, or switching carriers without overlap—your insurer notifies the state within 24 hours, your license is suspended, and your 3-year clock resets to day one when you refile.
Optional but recommended
Uninsured Motorist Coverage
Georgia does not mandate uninsured motorist (UM) coverage, but approximately 12–15% of Georgia drivers carry no insurance, one of the higher uninsured rates in the Southeast. If you're hit by an uninsured driver while fulfilling an SR-22 requirement, you cannot recover damages beyond your own UM limits—and filing a claim may trigger a rate increase even though you were not at fault. High-risk carriers in Georgia often quote UM coverage at 25/50 to match state minimums, adding $8–$18 per month to your premium, but coverage gaps here leave you personally liable for medical bills and lost wages if the other driver has no assets to sue.
Not required
Collision Coverage
Collision coverage is not legally required in Georgia, but if you're financing or leasing a vehicle while under SR-22 filing, your lender will mandate it regardless of state law. High-risk drivers pay collision deductibles 20–40% higher than standard-risk profiles—$1,000 deductibles are common for non-standard policies in Georgia, compared to $500 for preferred drivers. Many carriers will not offer collision coverage at all to drivers with multiple at-fault accidents or a DUI combined with an at-fault crash within 36 months, forcing you into liability-only policies until your record improves.
Not required
Comprehensive Coverage
Comprehensive coverage for theft, vandalism, and weather damage is optional in Georgia unless required by a lienholder. For SR-22 drivers, comprehensive claims during the filing period can trigger non-renewal even if the loss was not your fault—insurers view any claim activity as elevated risk during the SR-22 window. Premiums for comprehensive in Georgia's high-risk market run $40–$90 per month for a mid-value sedan, with deductibles typically set at $1,000 to keep monthly costs manageable for drivers already paying DUI or suspension surcharges.
State-Mandated Minimum Coverage · Georgia

Georgia Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$200

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How Much Does Car Insurance Cost in Georgia?

High-risk auto insurance premiums in Georgia reflect your violation type, the number of incidents on your record, and how recently they occurred. A first-offense DUI in Georgia raises annual premiums by an average of $1,800–$3,200 compared to a clean record, while multiple violations or an at-fault accident combined with a DUI can push total annual costs above $5,000. Rates drop significantly after 3 years if your record stays clean, but expect to pay elevated premiums for the entire SR-22 filing period.

What Affects Your Rate

  • Type of violation: DUI convictions increase premiums more than speeding tickets or at-fault accidents without injuries
  • Time since violation: Rates drop 15–25% after the first year if no new incidents occur, and drop further at the 3-year mark when SR-22 filing ends
  • Number of violations: Multiple violations within 36 months can double premiums compared to a single offense
  • Age and experience: Drivers under 25 with SR-22 requirements pay 40–60% more than drivers over 30 with identical violations
  • Coverage limits selected: Increasing liability from 25/50/25 to 100/300/100 adds $30–$60 per month but reduces personal lawsuit exposure
  • Carrier availability: Georgia has a limited non-standard market—drivers with DUI plus at-fault accident may only qualify for 2-3 carriers statewide, eliminating rate competition
Minimum Coverage
$200–$290/mo
Georgia's 25/50/25 liability minimums plus SR-22 filing. This tier covers legal requirements only—no collision, no comprehensive, no uninsured motorist protection beyond what you add separately.
Standard High-Risk
$280–$380/mo
Liability at 50/100/50 limits plus uninsured motorist coverage and SR-22 filing. Provides better protection if you're sued and covers your own injuries if hit by an uninsured driver, but still excludes vehicle damage coverage.
Full Coverage
$350–$530/mo
Liability, collision, comprehensive, and uninsured motorist with SR-22 filing. Required if you finance or lease, but deductibles for high-risk drivers in Georgia typically start at $1,000 to keep premiums manageable.

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Coverage Types

Non-Standard Auto Insurance

Carriers that specialize in high-risk profiles—DUI, suspensions, SR-22 filings, and multiple violations. These insurers accept drivers that standard companies decline, but charge higher base rates and impose stricter cancellation terms.

DUI Insurance

Coverage for drivers convicted of DUI or DWI. Premiums reflect the elevated risk and mandatory SR-22 filing, and most carriers impose a 3-year lookback period before considering standard-risk rates.

Suspended License Insurance

Policies that include SR-22 filing to reinstate your license after suspension. You must secure coverage before the Georgia DDS will lift the suspension—driving on a suspended license adds new violations and extends your SR-22 requirement.

High-Risk Driver Programs

Specialized carrier programs for drivers with multiple violations, at-fault accidents, or recent license reinstatements. These programs often require higher down payments and do not offer monthly payment plans without setup fees.

Ignition Interlock Device Coverage

Georgia courts may require an ignition interlock device (IID) for DUI offenders as a condition of license reinstatement. The device itself is not covered by insurance, but some carriers offer slight premium reductions if you install one voluntarily.

Rate Reduction Strategies

Steps to lower premiums during and after SR-22 filing: completing defensive driving courses, maintaining continuous coverage with no lapses, and shopping rates annually as your violation ages.

Find Your City in Georgia

Atlanta, Georgia cityscape and street view

Atlanta

urban
Columbus, Georgia cityscape and street view

Columbus

urban
Augusta, Georgia cityscape and street view

Augusta

urban

Macon

urban
Historic paddle wheel steamboat docked at waterfront with city skyline and domed building at sunset

Savannah

urban
Orthodox monastery with white stone walls, twin bell towers, arched colonnade and red tile roof under blue sky

Athens

suburban
Illuminated evening walkway with railings and gardens, historic buildings and church dome in background

Sandy Springs

suburban
Bright green tree leaves with serrated edges against blue sky on sunny day

Roswell

suburban
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Johns Creek

suburban
Sunlight filtering through green forest canopy with tall trees creating a peaceful woodland scene

Warner Robins

suburban
Aerial view of suburban town at sunset with buildings, parking lots, and tree-lined streets in golden light

Albany

urban
White Orthodox monastery with twin bell towers, red tile roof, and arched colonnade under blue sky

Alpharetta

suburban

Frequently Asked Questions

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