Updated March 2026
State Requirements
Georgia requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage (25/50/25). Drivers convicted of DUI, those with multiple violations within 24 months, drivers involved in at-fault accidents without insurance, or anyone with a suspended or revoked license must file SR-22 proof of financial responsibility with the Georgia Department of Driver Services. The SR-22 requirement typically lasts 3 years from the reinstatement date. State minimums often prove inadequate for high-risk drivers facing increased liability exposure.
Cost Overview
High-risk drivers in Georgia pay significantly more than standard-risk profiles due to DUI surcharges, SR-22 filing requirements, and non-standard carrier pricing models. Average annual premiums range from $2,400–$5,200 depending on violation severity, with DUI convictions adding $1,800–$3,500 annually for 3–5 years. Rates decrease gradually as violations age off your record—typically 3 years for minor infractions, 5 years for DUIs, and 7 years for major suspensions.
What Affects Your Rate
- Violation type: DUI adds $1,800–$3,500 annually; reckless driving adds $800–$1,600; multiple speeding tickets add $600–$1,200
- SR-22 filing duration: 3 years of elevated premiums with non-standard carriers who specialize in high-risk profiles
- Location: Atlanta metro drivers pay 25–40% more than rural Georgia due to claim frequency and theft rates
- Age and experience: drivers under 25 with violations pay 50–80% more than those over 30 with similar records
- Credit-based insurance score: Georgia allows credit scoring, which can add 20–60% to premiums for poor credit combined with violations
- Time since violation: rates drop 15–25% per year as violations age, with full removal after 3–7 years depending on severity
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer with the Georgia DDS proving continuous liability coverage for 3 years. Required after DUI, license suspension, multiple violations, or at-fault accidents without insurance.
Liability Insurance
Covers injuries and property damage you cause to others. Georgia requires 25/50/25 minimums, but high-risk drivers should consider 50/100/50 or higher due to lawsuit exposure after repeat violations.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Optional in Georgia but critical given that approximately 12% of state drivers are uninsured.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations who cannot qualify with standard carriers. Higher premiums but guaranteed SR-22 filing availability.
Full Coverage Insurance
Liability, collision, and comprehensive bundled together. Required by lenders if you finance or lease a vehicle, even during SR-22 periods.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders and priced 40–80% higher for high-risk drivers due to claim history.
