Georgia SR-22 Insurance: Cost, Rates, Duration, Filing, SR-22A, Non-Owner
SR-22 insurance in Georgia is a certificate that proves a driver carries the state's minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Georgia requires an SR-22 from drivers convicted of serious violations such as DUI, reckless driving, repeat uninsured driving, multiple at-fault accidents, or nonpayment of child support. An SR-22 is not a separate policy; the insurer adds the SR-22 as an endorsement to an existing auto insurance policy and files the form electronically with the Georgia Department of Driver Services for a fee of $15 to $50. The underlying violation, not the filing, raises premiums: a DUI raises Georgia rates by up to 77% and an at-fault accident by up to 59%, according to CarInsurance.com. Most drivers must maintain the SR-22 for three years from the conviction date, and a lapse in coverage triggers license suspension and restarts the requirement period. Georgia also uses the SR-22A form for repeat offenders, which requires six months of premium prepaid in full, and offers non-owner SR-22 policies for drivers who rent or borrow vehicles instead of owning one.
Table of contents
- What is SR-22 insurance in Georgia?
- How much does SR-22 insurance cost in Georgia?
- How do I get SR-22 insurance in Georgia?
- What is the Difference Between an SR-22 and SR-22A in Georgia?
- How long do I need to carry SR22 insurance in GA?
- Non-owner SR-22 Insurance in Georgia
- Will an SR-22 increase my auto insurance rates?
- FAQs About SR-22 in Georgia
- How long do I need to have an SR-22 in Georgia?
- How much does an SR-22 increase my car insurance rates in Georgia?
- What is the cheapest SR-22 insurance in Georgia?
- What happens if I let my SR-22 lapse?
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.
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 law requires all registered drivers to carry minimum liability auto insurance.
Georgia's state minimum auto insurance coverage, per the Georgia Office of Commissioner of Insurance and Safety Fire, 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 to 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.
Minimum coverage car insurance in Georgia averages between $1,018 per year (Bankrate, 2026) and $1,092 per year (AutoInsurance.com, 2026). Full-coverage car insurance in Georgia averages $2,909 per year (Bankrate, 2026). 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.
Drivers who need an SR-22 pay higher premiums than drivers with clean records. The underlying violation causes the increase, not the SR-22 filing itself. An at-fault accident raises Georgia premiums by up to 59%, according to CarInsurance.com. The same source reports that a DUI raises Georgia premiums by up to 77%.
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 and $50 to file an SR-22 form, according to Insure.com. A $25 fee is typical. The insurer files the SR-22 form 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 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, but 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 applies to drivers with certain serious traffic violations, such as a first DUI conviction or a reckless driving conviction. The Georgia DDS mandates the SR-22A for drivers convicted of driving without insurance two or more times. The SR-22A requires the driver to prepay the insurance premium in full.
An SR-22 allows drivers to pay insurance premiums in monthly installments. Monthly installments reduce the upfront financial burden. An SR-22A requires drivers to prepay six months of auto insurance in full. The Georgia DDS enforces the prepayment requirement for the entire SR-22A period.
| 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 a lapse will make your insurance premiums higher and extend the SR-22 requirement period.
A court or the Georgia Department of Driver Services (DDS) can order a driver to file an SR-22 or SR-22A. The driver 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, according to the Georgia Department of Driver Services. 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.
Learn more about SR-22 insurance in Georgia from the Georgia DDS.
Get Your Georgia SR-22 Insurance Quote Today
At Insurance Navy, our agents are here to help you find customized and affordable Georgia SR-22 Insurance coverage that you need. Please reach out for a free quote online anytime, give us a call at 888-949-7873, or stop by one of our convenient locations to speak with an insurance agent. We look forward to speaking with you about SR-22 Insurance in Georgia.
