Georgia SR-22 Insurance: Cost, Rates, Duration, Filing, SR-22A, Non-Owner
A Georgia SR-22 is a certificate that proves a driver carries Georgia's minimum liability coverage. The insurer files the SR-22 with the Georgia Department of Driver Services (DDS). Georgia's minimum liability coverage is $25,000 per person, $50,000 per accident, and $25,000 in property damage (25/50/25). An SR-22 is not a separate policy. An SR-22 is an endorsement added to an existing auto insurance policy. Most Georgia drivers must carry an SR-22 for 3 years after a major violation. Major violations include a DUI, driving without insurance, and accumulating too many license points.
Table of contents
- What is SR-22 insurance in Georgia?
- Who needs an SR-22 in Georgia?
- How much does SR-22 insurance cost in Georgia?
- How to file an SR-22 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?
- When does an SR-22 come off in Georgia?
- Non-owner SR-22 Insurance in Georgia
- Will an SR-22 increase my auto insurance rates?
- FAQs About 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.
18.1% of Georgia drivers were uninsured in 2022, according to the Insurance Research Council (IRC). The Georgia uninsured rate is one of the highest in the nation and above the 14% national average. An SR-22 certifies that a driver carries Georgia's minimum liability limits of $25,000 per person and $50,000 per accident. An SR-22 does not protect a driver who is hit by an uninsured driver. Uninsured/underinsured motorist coverage pays for injuries and damage caused by a driver who has no insurance or too little insurance. Uninsured/underinsured motorist coverage closes this gap.
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.
A Georgia SR-22 is not a separate car insurance policy. A Georgia SR-22 is an endorsement added to an existing auto insurance policy.
Who needs an SR-22 in Georgia?
You need an SR-22 in Georgia after specific violations. These violations include a DUI or DWI, driving without insurance, an at-fault accident while uninsured, and a license suspension from too many points. An SR-22 is most often a condition of reinstating a suspended or revoked license.
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How much does SR-22 insurance cost in Georgia?
SR-22 insurance in Georgia costs $15 to $50 to file, and $25 is typical (Insure.com). The filing fee is added to a car insurance premium. The premium is higher because of the violation that triggered the SR-22. Minimum-coverage car insurance in Georgia averages $1,018 per year (Bankrate, 2026) to $1,092 per year (AutoInsurance.com, 2026). Full-coverage car insurance in Georgia averages $2,909 per year (Bankrate, 2026). The exact rate depends on the offense, the driving record, and the insurer.
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 to file an SR-22 in Georgia
Tell your insurer you need an SR-22, or buy a policy from an insurer that files SR-22 forms.
The insurer adds the SR-22 endorsement and files the SR-22 electronically with the Georgia DDS.
Pay the filing fee. The fee is $15 to $50, and $25 is typical.
Keep continuous coverage for the full 3-year period.
What is the Difference Between an SR-22 and SR-22A in Georgia?
The difference is who needs each form. A standard SR-22 proves a driver carries Georgia's minimum liability coverage. An SR-22A applies to higher-risk drivers who must also prepay the policy premium. Georgia requires an SR-22A after a driver is caught driving without insurance two or more times. An SR-22A requires six months of premium prepaid in full. The insurer files both forms with the Georgia DDS.
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?
Most Georgia drivers must carry an SR-22 for 3 years from the conviction date, according to the Georgia Department of Driver Services (DDS). The period runs longer for serious or repeat offenses such as multiple DUIs or habitual-violator status. A coverage lapse during the 3 years causes the DDS to suspend the license. A lapse also restarts the 3-year period from zero.
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.
When does an SR-22 come off in Georgia?
An SR-22 comes off in Georgia after a driver carries it for the required 3 years without a lapse. Ask your insurer to remove the SR-22 endorsement after the 3-year period ends. Confirm with the Georgia DDS that the financial-responsibility requirement has ended. Do not cancel coverage early. Dropping the SR-22 before the term ends restarts the 3-year period and re-suspends the license.
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?
Yes. An SR-22 is only a filing, but the violation behind the SR-22 raises the premium. Georgia premiums rise by 32% to 77%, depending on the violation and the driving record (CarInsurance.com). A DUI causes the largest increase, up to 77%. An at-fault accident raises premiums by up to 59%. Premiums come back down as the violation ages and the driver keeps a clean record and continuous coverage.
The rate increase depends on the violation, the driving record, and the insurer.
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.
