Key Takeaways
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.
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.
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.
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 |
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 |
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.
Drivers filing for SR-22 insurance in Georgia must meet Georgia's minimum insurance requirements. These are the minimum insurance requirements in the state.
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.
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.
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 |
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 |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’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 way.com
Way.com’s Insurance Broker Quote Data
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.
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.
With a yearly average rate of $872, State Farm offers the most affordable SR-22 insurance in Georgia.
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