Country Financial and Mercury offer Georgia’s most affordable SR-22 insurance. Country Financial provides yearly minimum coverage policies at an average of $551, while Mercury offers similar coverage at $606. For drivers who don’t own a vehicle, Auto-Owners provides the lowest average SR-22 car insurance at $370 yearly, while GEICO is the second cheapest at $653.
You may need an SR-22 certificate in Georgia after committing a severe traffic infraction, such as drunken driving. Most of the violations requiring an SR-22 will increase your car insurance rates. Drivers in Georgia obtain SR-22 insurance to prove that their coverage meets the minimum liability guidelines.
Cheapest Companies for SR-22 Car Insurance in Georgia


Cheapest Companies for SR-22 Car Insurance in Georgia
If you are interested in cheap SR-22 insurance in Georgia, these two companies provide the lowest average rates for minimum coverage if you have a DUI on your record:
- Country Financial: $551 per year
- Mercury: $606 per year
The following providers offer the lowest average SR-22 insurance costs for a full coverage policy:
- Country Financial: $1,094 per year
- State Farm: $1,171 per year
Insurers generally view you as more likely to submit claims after a DUI or other severe traffic violation, resulting in increased auto insurance costs. However, you can still find an affordable policy by comparing quotes from different providers. Below is a table featuring Georgia’s top insurers for affordable SR-22 insurance coverage. Average policy rates range from $551 to $1,632 per year.
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What Is SR-22 in Georgia?
An SR-22 is not a type of insurance coverage. Georgia requires an SR-22 certificate of financial responsibility as evidence that your auto insurance policy meets the minimum state requirements. An SR-22 is necessary after you commit certain traffic violations, such as:
- Driving without insurance
- DUI or other major traffic violations like at-fault accidents
- Getting into an accident without adequate coverage
Your insurance provider may file the SR-22 form at the Georgia Department of Driver Services, while some insurers may cancel your coverage upon finding out that you need an SR-22. Your auto insurance rates could spike due to filing an SR-22 since insurers assume you are more prone to filing claims, making you riskier to insure. In Georgia, the form must stay on your record for three years, and you must make prepayments every six months.
For second and subsequent DUI convictions in Georgia, you must maintain an SR-22A form through your insurance provider for three years.
Once you fulfill your financial responsibility obligations in Georgia, you should verify your insurer’s submission of a Financial Responsibility Cancellation Form to the Georgia Department of Driver Services. By submitting the form, the insurer confirms that you have met all the requirements and no longer need to maintain the SR-22 certificate.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Georgia
You can find the cheapest average SR-22 auto insurance policies in Georgia for non-owner drivers with a DUI from the following companies:
- Auto-Owners: $370 per year
- GEICO: $653 per year
USAA also offers an affordable option for non-owners in Georgia with a military connection. Policies from the insurer cost an annual average of $591, the second cheapest in the state.
Even without a car of your own, an SR-22 certificate may be necessary after your car gets totaled due to a severe traffic violation and following the suspension of your license. You can use non-owner auto insurance to legally re-obtain your driving privileges.
The following table presents MoneyGeek’s analysis of the cheapest non-owner policies in Georgia across different providers, with costs varying from $370 to $1,116 per year.
Non-owner SR-22 insurance covers property damage and bodily injury to third parties but excludes injuries to you and your passengers. This type of insurance applies to individuals who must submit an SR-22 but do not own cars. If you are a car renter, professional driver or rideshare driver, you also may need to consider non-owner auto insurance options in Georgia.
Some insurers provide add-on coverage options in addition to standard liability-only insurance, including medical expenses, car rental coverage and personal injury protection.
Average Cost of SR-22 Car Insurance in Georgia
The average annual cost of SR-22 insurance in Georgia for a driver with a DUI is typically $795 for minimum coverage and $1,660 for a full coverage policy. Other violations, including collisions and speeding tickets, may also necessitate an SR-22.
Once the state convicts you of a traffic offense, insurance companies will use this information and risk assessment tools to determine your likelihood of making a claim. Your rates will increase according to the risk demonstrated by your driving record.
Drivers obtaining an SR-22 form in Georgia can find the best deals by comparing insurance premiums across providers at least once every year or each time they renew a policy. Costs fluctuate between insurance companies, so shopping around can help you identify the most affordable deal on your SR-22 insurance policy.
How SR-22 Affects Car Insurance Rates in Georgia
Your auto insurance rates may be significantly impacted after filing an SR-22, causing a spike in your premiums. If you purchase a minimum coverage policy in Georgia with a DUI, you will pay approximately $336 more yearly than drivers with a clean record.
Your premium increase will vary depending on several metrics, including how severe the violation is, your driving history and your insurance provider. You can identify the cheapest SR-22 insurance policy for your needs by shopping for quotes from different insurers and checking out discounts from your preferred providers.
Car Insurance Rate Comparison Based on Driving Records in Georgia
Annual Premium for Minimum Coverage
$459Annual Premium for Minimum Coverage
$795This is 73% more expensive.
Other Effects of SR-22 on Car Insurance in Georgia
Filing an SR-22 may result in consequences on your auto insurance coverage beyond an increase in your premiums. These effects are detailed below and may include limited coverage alternatives, cancellation of your standard policy and filing fees.
Limited number of insurance options
Some insurers do not offer SR-22 filings and consider drivers with certain violations too risky to insure. You may have limited options when choosing a company compared to drivers with clean records. When considering insurance providers, shopping for insurers who cater to SR-22 filings is essential.
Possible policy cancellation
Filing an SR-22 with your insurer may result in the company canceling your coverage. You may avoid cancellation by following SR-22 compliance guidelines, including safe driving and promptly paying your provider for your policy.
Length of required filing
In Georgia, you need to have the SR-22 filing on your record for three years, although obligations may vary based on the severity of the violation. After submitting your form, you must maintain your insurance coverage for three years or face additional penalties.
Filing fees
You may need to pay filing costs once you submit an SR-22 form in Georgia. Amounts vary depending on the circumstances surrounding your case. Typically, this is a one-time payment, ranging from $15 to $50. Georgia requires an SR-22A form for second and subsequent DUI convictions, resulting in more filing fees for additional forms.
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How to Get SR-22 Insurance in Georgia
After a driving violation, you can buy SR-22 in Georgia using similar steps to MoneyGeek’s standard car insurance guide, which includes the following:
- Locate insurance companies that provide coverage for drivers with traffic violations and compare quotes.
- Obtain an insurance policy that satisfies the minimum liability coverage standards in Georgia.
- Inform your insurance provider of the need to submit an SR-22 certificate and let them fill out the relevant forms on your behalf.
- Make any resulting payments from the filing process, ensuring the certificate remains current.
With an SR-22 certificate of financial responsibility, you can prove to the state that your policy meets the stipulated requirements.
The amount you pay in Georgia for license reinstatement varies based on the violations on your record. After the first DUI violation, the fees are $200 by mail and $210 if you pay in person. Costs will be higher for subsequent offenses of any type. Because rates may vary for your driving profile, we suggest consulting Georgia’s Department of Driver Services for current fees.
How to Get Cheaper Car Insurance in Georgia After a DUI
When getting an auto insurance policy after a DUI, you may notice higher premiums since insurers believe you’re more likely to file claims, thus increasing your rates. Fortunately, you can lower your SR-22 car insurance costs by taking the following steps.
Compare quotes immediately
Spare some time and review insurance quotes from different providers. Rates and requirements may vary for each company, but you can find Georgia’s most affordable car insurance providers after a DUI by comparing multiple quotes.
Complete DUI classes or programs
Completing a DUI course may contribute to lower premiums for your auto insurance. These programs make you a better driver and demonstrate your commitment to safe driving. As a result, insurance companies may consider revising your rates. The Georgia Department of Driver Services offers an online list of certified DUI schools and other driving improvement programs.
Look for discounts
Various insurers offer special deals to customers who meet specific coverage requirements. Although you may not qualify for discounts that require a clean driving record, other discounts may apply to your unique profile, such as bundling car insurance with other forms of coverage or insuring more than one car.
Practice safe driving
Insurers may reduce your premiums if you consistently drive safely after a violation. If you successfully avoid tickets and keep your driving record spotless, the impact of your infraction tends to lessen over time.
Shop rates over time
We recommend checking around occasionally to determine if you can get better rates despite already having an affordable policy. Insurers update their rates constantly, allowing you to find cheaper alternatives by comparing rates at policy renewal.
Insurers offer non-standard auto insurance for drivers with difficulties obtaining coverage from traditional insurance providers due to severe offenses, such as DUIs and multiple accidents. Although non-standard insurance costs are often higher than standard coverage, these policies offer an ideal alternative to drivers with trouble securing coverage elsewhere.
Frequently Asked Questions About SR-22 Insurance in Georgia
If the state convicts you of a violation where filing an SR-22 form is needed, it is crucial to understand the requirements and cost implications. We answered commonly asked questions about SR-22 car insurance in Georgia to help you through the process.
About Mark Fitzpatrick

sources
- Georgia Secretary of State. "Revocation and Suspension." Accessed June 8, 2023.
- Georgia Department of Driver Services. "Certified DUI Schools." Accessed June 27, 2023.