Georgia SR-22 & High-Risk Auto Insurance
Georgia requires 25/50/25 liability coverage and is an at-fault state.
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Georgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$200
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$22–$43/mo
Typical monthly rate in Georgia, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- SR-22 filing duration: 3 years of elevated premiums with non-standard carriers who specialize in high-risk profiles
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Limited Driving Permit
application fee $32.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Which insurance companies offer SR-22 in Georgia?
Non-standard carriers that regularly write SR-22 policies in Georgia include The General, Direct Auto, Acceptance Insurance, National General, and Progressive. Standard carriers like State Farm and GEICO may offer SR-22 filing for existing customers with minor violations but typically decline DUI or multiple-offense drivers. Most non-standard insurers provide same-day electronic filing with the Georgia DDS.
Can I get car insurance in Georgia with a suspended license?
Yes, many non-standard carriers allow you to purchase SR-22 insurance before reinstating your license, which is often required to begin the reinstatement process. You cannot legally drive until the suspension ends and you pay reinstatement fees, but securing coverage first ensures immediate SR-22 filing. Carriers like The General and Direct Auto specialize in pre-reinstatement policies for Georgia drivers.
Coverage 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.