Country Financial and Mercury offer Georgia’s most affordable SR-22 auto insurance. Country Financial provides yearly minimum coverage policies at an average of $551, while Mercury offers similar liability-only 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 driving under the influence or reckless driving. Most of the violations requiring an SR-22 will increase your car insurance rates. In these situations, drivers in Georgia obtain SR-22 insurance to prove that their coverage meets the minimum liability guidelines.