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Key Takeaways

  • You must submit an SR-22 after a serious violation like DUI or if you get caught while driving without insurance.
  • With a yearly average rate of $872, State Farm offers the most affordable Georgia SR-22 insurance.
  • SR-22 insurance in Georgia requires you to have a bodily injury liability coverage of $25,000 per person and $50,000 per accident. Property damage liability should be $25,000 per accident.

What Is SR-22 Insurance in Georgia? Who Needs It? How Do You Get It?

An SR-22, which the state requires as proof that you have at least the minimum amount of auto insurance required by law, is not a specific sort of insurance. However, a driver usually requires it following a serious violation or license suspension.

The Georgia SR-22 insurance form implies that a driver meets the state's minimum auto insurance requirements. Due to the seriousness of the offense, insurance after a DUI can be expensive. So, you must ask your insurer about their policy about this service before allowing them to file the SR-22 form on your behalf.

Each state has a different list of offenses that demand SR-22 insurance. For instance, you must have SR-22 insurance in Georgia if you become convicted of the following driving offenses.

  • Driving a car without auto insurance
  • DUI
  • Reckless driving
  • driving while under suspension
  • Hit and run

According to Georgia law, the convicted driver's auto insurance provider must submit the SR-22 insurance form on their behalf. However, an insurer can view the driver as high-risk and decline to offer this service. Therefore, even if you can obtain SR-22 insurance in Georgia, your premiums will probably be significantly higher than before the driving infraction.

Which Georgia Insurance Companies Offer the Cheapest SR-22 Insurance?

Due to the high-risk nature of the violation, SR-22 insurance is more expensive than ordinary plans. A serious violation, such as a DUI, might cause an increase in premiums. For an average driver, State Farm is the best option for low-cost SR-22 insurance in Georgia. Minimum DUI coverage costs $872 on average yearly. USAA and Allstate offer the next best options, respectively.

With an annual average rate of $2,994. Georgia's SR-22 minimum insurance for a DUI typically costs $1,663 a year. Meanwhile, drivers with a clean record only have to pay an average of $940 per year for minimum coverage.

Getting quotes from various insurers, comparing, and buying is the way to buy cheap SR-22 insurance in Georgia.

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Insurer Average annual rate
State Farm $872
USAA $935
Allstate $1,131
Country Financial $1,329
Mercury $1,423
Progressive $1,607
Esurance $1,738
Nationwide $1,891
Metlife $2,708

Cost for SR-22 Insurance (full coverage) in Georgia

The following are the citywide rates for Georgia SR-22 insurance.

City Full coverage cost
Valdosta $162
Stonecrest $192
Douglasville $193
East Point $190
Decatur $188
Lawrenceville $183
Americus $194
Mableton $185
Martinez $163
North Decatur $164
Dublin $170
McDonough $160
Columbus $169
Suwanee $189
Evans $164
Acworth $168
Perry $191
Carrollton $169
Kingsland $179
Johns Creek $172
Athens-Clarke County $179
Augusta-Richmond County $184
North Druid Hills $192
Savannah $166
Chamblee $158
Smyrna $191
Fayetteville $168
Milledgeville $170
Candler-McAfee $162
Thomasville $187
Alpharetta $192
Calhoun $192
Cartersville $171
Pooler $176
Stockbridge $176
Peachtree Corners $177
South Fulton $168
Norcross $187
Statesboro $174
Hinesville $176
Rome $170
Brookhaven $190
Redan $187
Peachtree City $160
Snellville $165
Duluth $165
Sandy Springs $174
Conyers $165
Brunswick $166
St. Marys $176
Forest Park $177
Newnan $193
Macon-Bibb County $186
Albany $176
Atlanta $159
LaGrange $176
Warner Robins $177
Griffin $165

How Much Do SR-22 Insurance Raise Premiums in Georgia?

Car insurance in Georgia costs around $1,372 yearly. However, SR-22 Georgia insurance increases the auto insurance cost by $123. It is more than around 10% of what drivers pay for Georgia car insurance.

What is Minimum SR-22 Car Insurance Coverage in Georgia?

Drivers filing for SR-22 insurance in Georgia must meet Georgia's minimum insurance requirements. These are the minimum insurance requirements in the state.

  • Bodily injury liability - $25,000 per person and $50,000 per accident
  • Property damage liability - $25,000 per accident

How to File SR-22 Documentation in Georgia

Filing SR-22 insurance in Georgia won't create any hassles for you. First, the SR-22 certificate will be submitted on your behalf to the state by your insurer. Then, you must maintain a valid insurance policy for the following three years with no gaps in coverage. If your insurance coverage expires during that time, your insurer should notify the state. In that situation, your SR-22 term resets, and you should pay the SR-22 fee again.

How Long do you need SR-22 Insurance in Georgia?

Most convicted drivers must get SR-22 insurance in Georgia for a minimum of three years. But how long you need the Georgia SR-22 insurance depends on the type and seriousness of the driver's violation.

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Non-Owner SR-22 Insurance in Georgia

You can acquire non-owner SR-22 insurance in Georgia if you don't own a car but are considered a high-risk driver. Drivers who don't own a car will get coverage through non-owner auto insurance, so you're protected even when driving a loaned or rented car. If you already have non-owner auto insurance, contact your provider and request that they submit an SR-22 on your behalf. You can have your license reinstated by doing this. However, you might have trouble getting coverage as all insurers don't offer non-owner auto insurance, especially if you have a history of violations.

Buying a non-owner car insurance coverage might be preferable to getting a regular auto insurance policy. For instance, in Georgia, non-owner SR-22 insurance costs, on average, $1,119 annually. But the cost may vary by insurer.

With a yearly average rate of $542, USAA offers the most affordable non-owner SR-22 Georgia insurance. If you don't qualify for USAA, State Farm offers the next best option with a yearly rate of $584. Always compare multiple non-owner SR-22 insurance quotes in Georgia to buy the cheapest one.

Insurer Average annual rate
USAA $542
State Farm $584
Progressive $1,496
Nationwide $1,917

Summary: SR-22 Insurance in Georgia

SR22 Needed After Serious traffic offense and/or suspension of the license
Required For Three years
Average Rate Increase $123
Minimum Bodily Injury Liability Coverage $25,000 per person / $50,000 per accident
Minimum Property Damage Liability Coverage $25,000

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What Georgia drivers need an SR-22?

Suppose you've been found guilty of a significant driving offense, such as DUI or DWI. In that case, you must carry SR-22 insurance in Georgia.

Is SR-22 expensive in Georgia?

Yes. It is more expensive than a standard car insurance policy. For instance, Georgia's SR-22 minimum insurance for a DUI typically costs $1,663 a year. Meanwhile, drivers with a clean record only have to pay an average of $940 per year for minimum coverage.

Who has the cheapest SR-22 insurance in Georgia?

With a yearly average rate of $872, State Farm offers the most affordable SR-22 insurance in Georgia.

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