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Georgia SR-22 Insurance
What is SR-22 insurance in Georgia?
SR-22 insurance is a form that certain drivers must file with the state of Georgia to prove they have an insurance policy that meets the minimum liability coverage requirements. Its proper name is a Georgia Safety Responsibility Insurance Certificate. Drivers with serious traffic violations like DUI and reckless driving may need to obtain SR-22 insurance to maintain their driving privileges or reinstate their drivers license.
Other driving offenses that might require an SR-22 in Georgia are listed below.
Drivers caught driving without insurance multiple times
Multiple at-fault accidents
Multiple Convictions for driving on a suspended license
Nonpayment of Child support
Reckless driving convictions
Multiple traffic offenses in a short period of time
An SR-22 is proof that you carry liability insurance that meets Georgia's mandatory minimum coverage levels.
Georgia laws requires all registered drivers to carry minimum liability auto insurance.
Georgia's state minimum auto insurance coverage is listed below.
$25,000 for bodily injury liability per person
$50,000 for total bodily injury liability per accident
$25,000 for property damage liability per accident.
Uninsured motorist coverage, Comprehensive and collision coverage are optional but strongly recommended to protect yourself and your vehicle. Full coverage is necessary when leasing or buying a vehicle with an auto loan.
If you are ordered to file an SR-22 in Georgia, compliance is mandatory to maintain your driving privileges. Drivers in Georgia must keep their auto insurance policy active at all times during the SR-22 period. If an SR-22 insurance policy is canceled or lapses, the state must be notified, which can lead a suspended license.
SR-22 insurance is a way for the state to monitor high-risk drivers and ensure they are financially responsible for any potential accidents or damages caused while driving.
It is important to note that a Georgia SR-22 is not a separate car insurance policy but rather an endorsement added to an existing auto insurance policy.
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How much does SR-22 insurance cost in Georgia?
The cost of SR-22 insurance in Georgia can vary depending on several factors. The cost of SR-22 insurance is determined by the individual's driving record, age, and location.
Typical car insurance rates in Georgia are between $1,300 and $1,400. An SR-22 insurance policy is only for high-risk drivers, so insurance rates tend to be higher than those for standard auto insurance policies.
SR-22 rates are on average 10% – 40% more than regular auto insurance rates. The SR-22 form itself doesn't increase auto insurance rates, the traffic violation that created the SR-22 requirement does. This increase in your insurance cost is due to the added risk the insurance company takes in covering the high-risk driver.
Most auto insurance companies charge between $15-35 for filing SR-22 forms. The SR-22 form is filed electronically with the Georgia Department of Driver Services.
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How do I get SR-22 insurance in Georgia?
Buying SR22 insurance in Georgia is a pretty easy process. First, you must inform your existing insurance provider of that you need an SR-22 form filing. They will ensure your current policy meets all of the state's requirements. Not all insurance companies will provide their customers an SR-22 because of the high-risk associated with that driver.
SR-22 forms are filed electronically by the insurance company with the Georgia Department of Driver Services. Having an SR-22 typically comes with higher insurance premiums because the customer is now deemed a high-risk driver.
By maintaining a clean driving record and showing responsible behavior on the road, with time,. your auto insurance rates will go down.
What is the Difference Between an SR-22 and SR-22A in Georgia?
In Georgia, the SR-22 and SR-22A forms both serve as proof of financial responsibility their requirements are different.
Both forms provide proof of insurance coverage for high-risk drivers convicted of a serious driving violation. They both apply to different situations and have different payment terms.
The SR-22 form is required for first-time offenders or drivers with certain traffic violations. The SR-22A is mandated for repeat offenders or drivers with multiple violations within a short period.
SR-22 allows drivers to make monthly payments which makes it more easier for drivers financially. For an SR-22A, drivers must pay for six months of auto insurance in upfront.
Requirement Type | Typically Required for | Payment Terms |
|---|---|---|
SR-22 | First-time offenses (DUI, Driving without insurance) | Monthly payment options |
SR-22A | Repeat offenses | Full payment upfront |
For both SR-22 and SR-22A policies, lapses in coverage can have serious legal consequences. A lapse often leads to an immediate drivers license suspension and potential fines.
Reinstating your insurance coverage after an lapse will make your insurance premiums higher and extend the SR-22 requirement period. If you are ordered by a court or the Department of Motor Vehicles to file SR-22 or SR-22A, you must follow the order or face steep penalties.
How long do I need to carry SR22 insurance in GA?
In Georgia, the period of time you need to carry SR-22 insurance depends on the circumstances of your violation. Usually, Georgia requires you to maintain SR-22 coverage for three years from your conviction date. After three years of SR-22 coverage, the insurer will file an SR-22 cancellation form with the state.
This timeframe can vary widely based on factors such as the severity of the driving offense, previous driving record, and additional legal requirements imposed by the court.
Failure to maintain auto insurance coverage, or a lapse in coverage will restart the time period of needing an SR-22. This can result in license reinstatement fees and other penalties such as drivers license suspension from the Georgia DDS.
Non-owner SR-22 Insurance in Georgia
For drivers who don't own a vehicle, Georgia allows filing a non-owner SR-22 insurance certificate. This is the way to fulfill the SR-22 requirement and lift their drivers license suspension.
A non-owner SR-22 provides liability insurance without the insurance policy being bound to a specific car. Non-owner insurance provides coverage for drivers who frequently rent vehicles or borrow someone else's car to drive.
Will an SR-22 increase my auto insurance rates?
SR22 insurance, also known as a Certificate of Financial Responsibility, is required for specific Georgia drivers who have had their driver's license suspended or revoked.
While it does not directly impact your driving record, it affects your insurance rates. When you are required to obtain SR-22 insurance, it signals to car insurance companies that you are a high-risk driver. As a result, your insurer may increase your car insurance premiums to account for this increased risk.
However, it's important to note that the impact on your rates can vary depending on the specific circumstances of your situation and the insurance provider you choose.
Be sure to ask your insurance agent about different discounts available to you to lower your car insurance rates. Several discounts such as insuring multiple vehicles, bundling policies, paying in full or by auto pay, or even by installing anti-theft devices in your car.
SR-22 Insurance Quotes in Georgia
Insurance Navy is here to help drivers get an SR-22 certificate and the auto insurance coverage they need. We compare auto insurance rates with multiple insurers to get your the best possible auto insurance rates. We understand that things can happen to good people, so having the best insurance agents to assist you in keeping your drivers license is critical.
The most straightforward approach to address an SR-22 Insurance requirement is to contact our knowledgeable insurance agents as soon as possible for a Free quote. A driver should always have coverage on their car to avoid any additional obstacles. Learn more about href="https://dds.georgia.gov/no-proof-insurance-multiple">SR-22 insurance in Georgia from the Georgia DDS.
FAQs About SR-22 in Georgia
How long do I need to have an SR-22 in Georgia?
In Georgia, most drivers need to have an SR-22 for 3 years. The time period depends on the violation, like DUI or driving without insurance. If the SR-22 is cancelled before the required time period is up, the clock starts over and the SR-22 requirement will start over.
How much does an SR-22 increase my car insurance rates in Georgia?
There is a small filing fee to file an SR-22, but it will increase your rates. Auto insurance rates in Georgia can go up 30% to 60% or more depending on the violation and driving record. DUI's will increase your car insurance premiums the most.
What is the cheapest SR-22 insurance in Georgia?
The cheapest SR-22 insurance usually comes from big companies that specialize in high risk drivers, including state minimum coverage companies. Shopping around and comparing quotes is important since rates vary by carrier. Higher deductibles, continuous coverage and taking a defensive driving course can help lower costs.
What happens if I let my SR-22 lapse?
If an SR-22 lapses in Georgia, the insurance company must notify the state. This will result in an automatic driver's license suspension and the SR-22 filing period will start over. To avoid penalties, you must keep your policy active and renew it on time for the entire SR-22 requirement time period.