Cheapest SR-22 Car Insurance in Georgia (2023)

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.

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.

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.

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.

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.

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.

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.

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:

1. Locate insurance companies that provide coverage for drivers with traffic violations and compare quotes.
2. Obtain an insurance policy that satisfies the minimum liability coverage standards in Georgia.
3. Inform your insurance provider of the need to submit an SR-22 certificate and let them fill out the relevant forms on your behalf.
4. 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.

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.

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.