Georgia SR-22 Insurance: What It Is and How Much It Costs

SR-22 insurance in Georgia is mandatory for drivers who have committed a serious traffic violation. This certificate needs to be filed by the convicted driver’s car insurance company. It proves to the state that the driver’s insurance meets minimum liability coverage requirements. SR-22 insurance is generally costlier than a standard auto insurance policy. In Georgia, State Farm offers the cheapest minimum coverage for a DUI, with average rates of $860 per year.


Which Georgia Insurance Companies Offer the Cheapest SR-22 Insurance?

SR-22 insurance is costlier than standard policies because of the high-risk nature of the offense. A serious violation, like a DUI, can significantly drive up premiums. Minimum SR-22 insurance in Georgia for a DUI costs around $1,651 annually on average. In contrast, drivers with a clean record need to pay only an average of $928 per year for a minimum policy.

State Farm is your best bet for cheap SR-22 insurance in Georgia. Its average annual cost is $860 for minimum DUI coverage. At the other end of the spectrum is GEICO, which is the costliest provider in the state. Its yearly rate is $2,982 on average for similar coverage.

Cheapest Companies for SR-22 Insurance in Georgia

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These premiums are for a policy meeting Georgia’s minimum car insurance requirements or a full-coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 in injuries per accident and $100,000 in property damage costs. Average insurance rates depend on each provider. You should ideally compare the prices of at least three carriers to find the most affordable rates.

Key Takeaways


The actual cost of filing an SR-22 form is quite affordable, at about $25.


However, a severe offense like a hit-and-run collision can considerably drive up your premium costs.


In addition, you’ll likely lose any good driver discounts you may have previously qualified for.

What Is SR-22 Insurance in Georgia? Who Needs It? How Do You Get It?

To clarify, SR-22 insurance is not exactly a type of car insurance policy. It is a certificate submitted by your auto insurer to the government after you commit a serious moving violation. The SR-22 form indicates that you meet the state’s minimum car insurance requirements. Insurance after a DUI can be costly, as it is a severe offense. Your auto insurance provider needs to file the SR-22 form on your behalf, but you need to check with them about their policy regarding this service.

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Drivers who file an SR-22 need to prove they meet Georgia’s minimum auto insurance regulations. These requirements include:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident

Who Needs SR-22 Insurance in Georgia? And for How Long Do They Need It?

Every state has its own list of violations that require SR-22 insurance. In Georgia, you’ll need SR-22 coverage if you commit any of the following traffic offenses:

  • Driving without insurance coverage
  • DUI
  • Reckless driving
  • Driving with a suspended license

Minor violations typically do not require SR-22 coverage. Rates for insurance after a ticket or accident are generally cheaper than SR-22 costs, and you should shop around to find the most affordable prices.

How long you need SR-22 insurance in Georgia depends on the seriousness of your violation. The mandatory period is three years in most cases.

How Do You Get SR-22 Insurance in Georgia?

Georgia mandates that the convicted driver’s auto insurance company file the SR-22 insurance form on their behalf. But an insurer may consider the driver to be high-risk and may not offer to provide this service. Even if you can get SR-22 coverage, insurance costs will likely be much higher than before the driving violation.


Non-Owner SR-22 Insurance in Georgia

Committing a major driving violation in Georgia, such as driving under the influence, may lead to your driver’s license being suspended. SR-22 insurance may be required to get your licenses reinstated, whether or not you have your own vehicle.

Rather than get a standard auto insurance policy, purchasing a non-owner car insurance policy could be a better option. It is ideal for drivers who don’t own vehicles but often borrow cars from friends or family members. Similarly, if you rent a car regularly, this is also a good alternative. A non-owner car insurance policy allows you to file for an SR-22 and carry proof of liability coverage.

On average, you can purchase a non-owner car insurance policy in Georgia for $1,107 per year. However, rates can vary by insurer. By comparing policies from several providers, MoneyGeek determined that USAA offers the cheapest non-owner insurance policy with an average rate of $530 per year. It’s important to note that only current and former military members and their families can purchase their policies. The second most affordable rate comes from State Farm, which offers a similar insurance policy for $572 per year on average.

The Average Cost of Non-Owner SR-22 Car Insurance in Georgia

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MoneyGeek used the profile of drivers with a DUI on their records purchasing non-owner car insurance policies covering costs of damages up to $50,000 for bodily injuries per person, $100,000 for bodily injuries per accident and $50,000 for property damage per accident in Georgia.

FAQs About SR-22 Insurance in Georgia

Drivers who need SR-22 insurance in Georgia may need information about the filing process, which companies offer the best SR-22 coverage and the cheapest rates available.

Read More About Car Insurance


MoneyGeek analyzed car insurance premiums from 10 of the top insurance companies in Georgia that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Georgia. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.