Find Cheap SR22 Insurance In Georgia For 2022

WRITTEN BY: Julia Matseikovich


Georgia drivers convicted of a DUI or other serious traffic violations must carry SR22 insurance. The state mandates SR22 insurance in Georgia for driver’s license reinstatement after a major driving offense. The Peachtree State saw more than 12,000 DUI convictions in 2020, and Georgia law requires SR22 insurance from drivers with a DUI. Let’s look at how Georgia’s SR22 insurance works, the cost of SR22 insurance, and how to get it.

What is SR22 Insurance in Georgia?

SR22 insurance isn’t a type of car insurance policy but a term for a certificate of proof for liability insurance. Georgia calls this certificate an SR22 or a Safety Responsibility Insurance Certificate. The form proves a driver’s liability insurance coverage meets Georgia’s minimum car insurance requirements. It’s known as a Certificate of Financial Responsibility in other states.

Georgia law requires a minimum of $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. Georgia’s car insurance laws also require a minimum of $25,000 in property damage liability. While insurers often file an SR22 form with minimum liability coverage, insurers can also use it for Georgia drivers with full coverage policies.

Who needs SR22 insurance?

Georgia may mandate SR22 forms from motorists with the following violations:

The individual length of time for a driver’s SR22 form depends on the state recommendation and the severity of the driving violation. Georgia mandates three years; however, a court order may specify otherwise for a high-risk driver. For repeat financial responsibility offenders, Georgia may require an SR-22A with a 6-month full payment.

Getting SR22 Insurance in Georgia

If you need an SR22 in the Peachtree State, the Georgia Department of Driver Services (DDS) will notify you. When you have a court appearance for a DUI, the judge or court order will also state the SR22 requirement. If you need SR22 car insurance, notify your car insurance carrier immediately so they can process it as part of your license reinstatement. Georgia law requires insurance providers to file the Certificate of Financial Responsibility on their

Average SR22 insurance cost in Georgia

An SR22 form costs more than a car insurance policy. The filing cost for your provider ranges from $15 to $50, and your insurer bills it to you. State Farm is the national carrier with the cheapest SR22 rates for Georgia drivers, with an average annual rate of $860 for drivers with a DUI. GEICO is one of the most expensive carriers for SR22 insurance at an average of $2,982 a year.

Lapsed SR22 insurance

The state of Georgia receives a notification if a driver lets their Georgia SR22 form lapse. Lapsed SR22 insurance occurs if a driver forgets to pay their SR22 or the insurance carrier doesn’t renew the form in time. A Georgia SR22 insurance may also lapse if you commit an excessive moving violation, such as a DUI, or get in a car accident. If your SR22 form lapses, the Georgia DDS sends a notification for the lapse and also charges a reinstatement fee. The time clock for your SR22 then restarts.

Driving with an SR22 in Georgia

An SR22 can raise your car insurance rates by an average of $138 a year. Your policy may increase by 20% or more, especially if you lose any discounts on your car insurance premium. Your insurance provider may cancel or refuse to renew your car insurance policy. An SR22 means you’re considered a high-risk driver, and some insurers don’t cover these drivers. If that’s the case, you’ll need to find a new SR22 insurance carrier immediately. Car rental companies may refuse to rent depending on your driving record and the reason for your SR22 form.

SR22 for out-of-state drivers

If you have a DUI, get in an accident, or cause a fatality while visiting Georgia, you may need SR22 insurance even if you’re not a Georgia resident. If you live in Georgia and relocate to another state, you still need an SR22 form after you move. You must maintain your Georgia SR22 until the mandatory period ends.

Non-owner insurance policy

If you don’t own a vehicle and need an SR22 in Georgia, you can buy non-owner insurance with an SR22 form as proof of liability coverage. The SR22 insurance certificate still states you meet Georgia’s minimum bodily injury and property damage liability requirements so that you can borrow or rent a car. Not every insurance provider offers non-owner SR22 insurance, so check with your provider. The cost for a non-owner SR22 is often less than traditional SR22 insurance.


How much does SR22 cost in Georgia?

The average cost for SR22 insurance is $1,651 a year. You may pay less or more than the average based on age, gender, driving history, and carrier.

How long do you have to have an SR22 in Georgia?

Car insurance laws for Georgia typically require an SR22 form for three years. Drivers with severe violations may need an SR22 certificate for more extended periods.

What is an SR22 in Georgia?

An SR22 in Georgia is a form that states a driver carries an insurance policy that meets state minimum car insurance requirements.

Who has the cheapest rates for SR22 in Georgia?

State Farm is the insurance carrier with the lowest average rates for SR22 insurance. The carrier’s average rate is $860 for a driver with a DUI. Individual rates vary.

What is the minimum coverage for SR22?

The minimum coverage amount for SR22 in Georgia is 25/50/25, or $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.

How long does it take to get SR22 insurance in Georgia?

Your insurance provider submits the SR22 certificate to the state. Most insurers can quickly process and submit an SR22 form. Companies like State Farm and Progressive may be a good bet if your car insurance company doesn’t sell SR22 insurance in Georgia.

Get SR22 Insurance Quotes in Georgia

If charged with a DUI or other violations and need SR22 insurance in Georgia, get started today. You must meet Georgia court and state requirements for SR22, or the DDS won’t reinstate your driver’s license. Don’t neglect your SR22 needs. Instead, find an affordable insurance provider for SR22 forms in Georgia today. Our online comparison tool is the perfect place to begin so you can compare rates for the best SR22 insurance in Georgia.