Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. The Georgia Department of Driver Services mandates SR-22 filing for drivers convicted of DUI, driving without insurance, at-fault accidents while uninsured, or accumulating excessive points leading to suspension. SR-22 must remain active for 3 years from the reinstatement date, and any lapse triggers automatic license suspension and restarts the filing period.
How Much Does Car Insurance Cost in Georgia?
High-risk auto insurance in Georgia costs significantly more than standard coverage due to violation type, driving history, and SR-22 filing requirements. Drivers with a single DUI typically pay $210–$400/mo ($2,500–$4,800/year), while those with multiple violations or at-fault accidents can exceed $500/mo. Rates vary widely by carrier, ZIP code, and coverage level — shopping multiple insurers is the single highest-leverage action for reducing premium costs.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharge, followed by at-fault uninsured accidents and reckless driving
- SR-22 filing requirement: adds $15–$50 to file but signals high-risk status to insurers, increasing base premium 50–200%
- Points on license: Georgia uses a 15-point suspension threshold; rates increase with each point added for speeding or moving violations
- ZIP code: urban areas like Atlanta, Savannah, and Augusta see higher premiums due to accident frequency and uninsured driver rates
- Coverage level: full coverage costs 40–60% more than liability-only for high-risk drivers
- Carrier type: non-standard insurers often charge 20–40% more than standard carriers but may be the only option for SR-22 filers
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Georgia's 25/50/25 minimum is legally required but inadequate for most serious collisions.
SR-22 Insurance
Certificate filed by your insurer with the Georgia Department of Driver Services proving continuous coverage. Required for 3 years after DUI, suspension, or uninsured accident.
Full Coverage
Liability, collision, and comprehensive bundled together. Required by lenders and recommended for financed vehicles or cars worth over $5,000.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, lapses, or multiple violations. Offers SR-22 filing and flexible payment plans not available from standard carriers.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the collision. Subject to deductible.
