Non-Owner SR-22
Get a Quote

Georgia SR-22 & High-Risk Auto Insurance

Georgia requires SR-22 filing for DUI convictions, multiple violations, and license suspensions. The filing requirement typically lasts 3 years and costs $15–$50 to file, though high-risk premiums average $2,200–$5,000 annually depending on violation type and driving history. Non-standard carriers active in Georgia can cover drivers with recent DUIs, at-fault accidents, and lapses.

Traffic accident with white car and overturned dark SUV on city street with apartment buildings in background

Updated March 2026

State Requirements

Georgia requires minimum liability coverage of $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25). Drivers convicted of DUI, cited for driving without insurance, or accumulating excessive violations within 24 months must file SR-22 proof of financial responsibility with the Georgia Department of Driver Services. SR-22 filing lasts 3 years from the reinstatement date, and any lapse triggers license re-suspension and restarts the clock. High-risk drivers often need to exceed state minimums to satisfy non-standard carrier underwriting requirements.

Cost Overview

High-risk auto insurance premiums in Georgia vary widely based on violation type, number of incidents, and time since the event. A first DUI typically doubles or triples your premium, while multiple violations or at-fault accidents can increase rates by 200–400%. Non-standard carriers charge more than standard insurers, but they are often the only option for drivers with recent serious violations or SR-22 requirements.

Minimum Liability (25/50/25)
State-minimum liability coverage with SR-22 filing for a driver with one DUI or multiple violations. Cheapest legal option but leaves you personally liable for damages exceeding limits.
Standard Liability (50/100/50)
Higher liability limits often required by non-standard carriers for high-risk drivers. Provides better protection if you cause another accident during the SR-22 period.
Full Coverage with Loan
Liability plus comprehensive and collision for financed vehicles. Required by lenders but significantly more expensive for high-risk drivers with DUI or at-fault accident history.

What Affects Your Rate

  • Type of violation — DUI typically costs more than a lapse or suspended license
  • Number of incidents within the past 3–5 years (multiple violations compound premium increases)
  • Time since violation — rates decrease 6–12 months after each year without new incidents
  • Georgia location — urban areas like Atlanta, Savannah, and Augusta see higher rates due to accident frequency and uninsured driver rates
  • Age and gender — younger high-risk drivers (under 25) pay substantially more than older drivers with similar violations
  • Vehicle type and coverage level — financed vehicles requiring full coverage cost 60–100% more than liability-only policies

Compare Auto Insurance Rates in Georgia

Coverage Options

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
Peaceful autumn stream flowing through forest with colorful fall foliage and overcast sky reflection

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

Sources

  • Georgia Department of Driver Services — SR-22 Insurance Requirements and Reinstatement Procedures
  • Georgia Department of Insurance — Minimum Auto Insurance Coverage Requirements
  • Insurance Research Council — Uninsured Motorist Rate Data by State

Get Your Free Quote in Georgia