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Georgia SR-22 & High-Risk Auto Insurance

Georgia requires SR-22 filing for DUI convictions, at-fault uninsured accidents, and license suspensions. Filing typically lasts 3 years and costs $15–$50, but high-risk premiums average $210–$400/mo depending on violation type and driving history.

Georgia cityscape and street view

Updated April 2026

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.

Minimum Liability (SR-22)
State minimum 25/50/25 liability with SR-22 filing. Lowest legal coverage for drivers with DUI, suspension, or uninsured accident on record.
Standard Liability (SR-22)
50/100/50 or 100/300/100 liability limits with SR-22. Recommended for drivers with assets to protect or multiple violations.
Full Coverage (SR-22)
Liability, collision, comprehensive, and SR-22 filing. Required by lenders; rates vary by vehicle value and deductible.

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 Auto Insurance Rates in Georgia

Find Your City in Georgia

Atlanta, Georgia cityscape and street view

Atlanta

urban
Columbus, Georgia cityscape and street view

Columbus

urban
Augusta, Georgia cityscape and street view

Augusta

urban

Macon

urban
Historic paddle wheel steamboat docked at waterfront with city skyline and domed building at sunset

Savannah

urban
Orthodox monastery with white stone walls, twin bell towers, arched colonnade and red tile roof under blue sky

Athens

suburban
Illuminated evening walkway with railings and gardens, historic buildings and church dome in background

Sandy Springs

suburban
Bright green tree leaves with serrated edges against blue sky on sunny day

Roswell

suburban
Peaceful autumn stream flowing through forest with colorful fall foliage and overcast sky reflection

Johns Creek

suburban
Sunlight filtering through green forest canopy with tall trees creating a peaceful woodland scene

Warner Robins

suburban
Aerial view of suburban town at sunset with buildings, parking lots, and tree-lined streets in golden light

Albany

urban
White Orthodox monastery with twin bell towers, red tile roof, and arched colonnade under blue sky

Alpharetta

suburban

Sources

  • Georgia Department of Driver Services
  • Georgia Department of Insurance
  • National Association of Insurance Commissioners (NAIC)

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