Cheapest SR-22 Car Insurance in Georgia (2024)


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An SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to file after a moving violation. Your insurer files the SR-22 form to prove you have liability coverage. While the form doesn't raise your rates, the violations requiring an SR-22 can lead to higher premiums.

COUNTRY Financial offers the most affordable minimum coverage insurance rate at $708 annually, followed closely by Mercury at $787 annually. For those who don't own a car but still require SR-22 certification, Auto-Owners provides a competitive annual rate of $370, with GEICO also offering a low-cost option at $653 per year.

MoneyGeek Logo IconCheapest SR-22 InsuranceGeorgia
2024

Cheapest Companies for SR-22 Car Insurance in Georgia

Why Trust MoneyGeek? We collected data from the Georgia Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

35,648Quotes Analyzed
 
8Companies Compared
 
82ZIP Codes

Cheapest Companies for SR-22 Car Insurance in Georgia

The cheapest companies for minimum coverage auto insurance with an SR-22 in Georgia are:

  • COUNTRY Financial: $59 per month; $708 per year
  • Mercury: $66 per month; $787 per year

The least expensive providers for full coverage car insurance with an SR-22 in Georgia are:

  • COUNTRY Financial: $104 per month; $1,250 per year
  • Allstate: $146 per month; $1,747 per year

After a moving violation, expect to pay more for car insurance because you’re considered high risk. Still, you can find cheap SR-22 car insurance by comparing quotes.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
Country Financial$708$59
Mercury$787$66
Auto-Owners Insurance Co$1,103$92
Allstate$1,116$93
State Farm$1,154$96
Progressive$1,177$98
GEICO$2,060$172
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Georgia

The companies with the cheapest non-owner SR-22 insurance in Georgia are:

  • Auto-Owners: $31 per month; $370 per year
  • GEICO: $54 per month; $653 per year

Non-owner car insurance fulfills the state minimum coverage requirements for individuals who don't own a vehicle but need to file an SR-22 due to reasons like license suspension, revocation or severe traffic violations. For non-owner drivers, finding the most affordable provider ensures compliance without overspending.

Auto-Owners Insurance Co$370$31
GEICO$653$54
State Farm$722$60
Progressive$1,116$93
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance provides liability coverage for those who drive often but don’t own a car. It’s excellent for those renting cars or driving for rideshare services, covering third-party injuries and property damage if you cause an accident.

Non-owner vehicle insurance in Georgia is generally more affordable than standard insurance. To find the best rates, compare quotes from multiple insurers.

What Is SR-22 in Georgia?

An SR-22 is a certificate of financial responsibility required for Georgia drivers with serious traffic violations such as DWI, driving without insurance or repeat traffic offenses. It’s not an insurance policy but proof that you have the state minimum coverage. You or your insurer files it with Georgia's Public Safety Department, and it’s usually required for three years. If your SR-22 is canceled, terminated or lapses, the insurer must notify the state immediately.

An SR-22 verifies that you have the following minimum car insurance requirements in Georgia:

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

If you don't own a vehicle, you'll need SR-22 non-owner car insurance instead. Remember, an insurance policy card isn't the same as an SR-22.

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WHAT IS AN SR-22A?

The SR-22A is for drivers with repeat offenses and is stricter than an SR-22. In Texas, Georgia and Missouri, if you need an SR-22A, you must pay for six months of minimum coverage upfront to show you’re maintaining your insurance.

Who Needs an SR-22 in Georgia?

In Georgia, drivers with serious traffic violations or their insurer must file an SR-22 form to prove they have minimum coverage auto insurance. This is required for three years for offenses like driving under the influence (DUI) and reckless driving. Your insurer will notify the state if your policy is canceled, so keep your coverage active. Offenses needing an SR-22 include:

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    DUI

    If you're caught driving under the influence in Georgia, you'll need SR-22 insurance to show you have minimum coverage.

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    Reckless Driving

    Reckless driving is a serious offense. If you're caught, you must file an SR-22 to prove you're insured.

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    Driving Without Insurance

    If you're pulled over and can’t provide proof of auto insurance in Georgia, you must file an SR-22 to prove you now have the state's minimum coverage.

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    Serious Traffic Offenses

    Serious traffic offenses in Georgia may require you to file an SR-22, confirming you have at least the minimum coverage.

How an SR-22 Impacts Your Car Insurance in Georgia

Filing an SR-22 in Georgia can result in higher insurance rates, limited coverage options and extra fees. Insurers might also deny you coverage or cancel your policy mid-term after you file. Keep your insurance active without gaps, as a lapse could reset your SR-22 requirement, which usually lasts three years.

Understanding the consequences of not filing an SR-22 can help avoid legal issues and ensure that you meet state minimum coverage requirements.

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    Limited number of insurance options

    Georgia's high-risk drivers may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, Georgia insurers may cancel your policy mid-term or not renew it, requiring you to seek a new provider.

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    Long period of required filing

    Georgia requires you to maintain SR-22 coverage for three years from your conviction date to ensure continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in Georgia usually involves a one-time fee of about $25, adding to the overall cost.

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WHAT TO DO IF NO ONE WILL INSURE YOU

High-risk drivers with violations on their record may consider non-standard auto insurance. It usually costs more than standard policies but offers coverage for those who might struggle to find insurance.

Average Cost of SR-22 Car Insurance in Georgia

In Georgia, the average annual cost of SR-22 car insurance for drivers with a DUI is $2,421 for full coverage and $1,158 for minimum coverage. Drivers with a clean record pay $1,381 for full coverage and $691 for minimum coverage. This shows the high impact of a DUI on insurance rates.

The SR-22 form itself doesn’t increase rates; it's the DUI that does. Repeat offenders or those with severe violations might face non-renewal or higher rates upon renewal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Clean$691$58
Speeding Ticket$834$70
At-fault Accident$1,061$88
DUI$1,158$96

How to Get SR-22 Car Insurance in Georgia

Failing to file an SR-22 in Georgia after serious traffic violations, like DUI, can lead to severe legal consequences. It’s essential for maintaining your driving privileges with minimum coverage for three years. Insurers must notify the state if your policy is canceled, which can affect your status. Here are the steps to file an SR-22 in Georgia:

  1. 1
    Determine if you need an SR-22

    If you have had a DUI, were caught driving without insurance or have other serious traffic offenses in Georgia, you may need to file an SR-22, which is ordered by a municipal court, to verify that you have the state’s minimum coverage.

  2. 2
    Contact your insurance provider

    Ask your insurance company to file an SR-22. It will prepare the necessary documentation to verify that your coverage meets Georgia's minimum liability requirements.

  3. 3
    Review your current policy

    Ensure your existing policy reflects the minimum coverage required for an SR-22 in Georgia. If not, you may need to adjust your policy to comply with the 25/50/25 liability coverage.

  4. 4
    Confirm the fees

    Insurers typically charge a one-time filing fee for an SR-22. Fees vary, but expect to pay around $15–$25. This fee is separate from your insurance premium.

  5. 5
    File the SR-22 form

    Your insurer can file the SR-22 form electronically with the Georgia Department of Driver Services. Confirm with your insurer that this step is complete.

  6. 6
    Maintain your coverage

    Georgia requires continuous minimum coverage for three years. If your policy lapses, your insurer must notify the state, which could lead to additional penalties.

  7. 7
    Verify your SR-22 status

    After filing, check with the Georgia Department of Driver Services to ensure your SR-22 is on file and your driving privileges are intact. Keep proof of insurance in your vehicle at all times.

If your SR-22 in Georgia lapses, your driving privilege will be re-suspended. To drive legally again, you must have minimum coverage auto insurance and file a new SR-22.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you finish your three years of SR-22 coverage in Georgia, your insurer files a financial responsibility cancellation form to inform the state you've met the minimum coverage term.

How to Save on Car Insurance in Georgia After a Violation

A DUI can increase your car insurance premiums. For a driver aged 30–59 with a clean record in Georgia, the average annual premium for minimum coverage is $691. With a DUI, the cost rises to $1,158.

You can still find affordable car insurance after a DUI. If you need an SR-22, consider minimum coverage options, which are cheaper and keep you driving legally.

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    Complete DUI classes or programs

    Taking DUI classes shows responsibility and a commitment to safe driving. This proactive step can improve your driving record.

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    Look for discounts

    Even with a DUI on your record, discounts might be available to you. Bundling policies, installing safety equipment, paying in full or via electronic billing and insuring multiple vehicles can all lead to savings.

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    Compare car insurance quotes

    Compare auto insurance quotes to find the most affordable state minimum coverage after a DUI.

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    Increase your deductible

    Choosing a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can lower your monthly premiums. Just ensure you have the funds to cover this cost in case of an accident.

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    Drive a less expensive car

    Driving a car that's cheaper to insure can lower your rates. Choose vehicles with good safety records and lower replacement costs.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in Georgia

Finding affordable SR-22 insurance in Georgia can be challenging. Get answers to your questions about the state's cheapest SR-22 car insurance options.

What are the cheapest SR-22 car insurance options in Georgia?

How much does filing an SR-22 increase car insurance rates in Georgia, on average?

How long do you need to have an SR-22 in Georgia?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.