Cheapest SR-22 Car Insurance in Georgia (2024)

An SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to file after a moving violation. Your insurer files the SR-22 form to prove you have liability coverage. While the form doesn't raise your rates, the violations requiring an SR-22 can lead to higher premiums.

COUNTRY Financial offers the most affordable minimum coverage insurance rate at $708 annually, followed closely by Mercury at $787 annually. For those who don't own a car but still require SR-22 certification, Auto-Owners provides a competitive annual rate of $370, with GEICO also offering a low-cost option at $653 per year.

The cheapest companies for minimum coverage auto insurance with an SR-22 in Georgia are:

• COUNTRY Financial: $59 per month; $708 per year
• Mercury: $66 per month; $787 per year

The least expensive providers for full coverage car insurance with an SR-22 in Georgia are:

• COUNTRY Financial: $104 per month; $1,250 per year
• Allstate: $146 per month; $1,747 per year

After a moving violation, expect to pay more for car insurance because you’re considered high risk. Still, you can find cheap SR-22 car insurance by comparing quotes.

The companies with the cheapest non-owner SR-22 insurance in Georgia are:

• Auto-Owners: $31 per month; $370 per year
• GEICO: $54 per month; $653 per year

Non-owner car insurance fulfills the state minimum coverage requirements for individuals who don't own a vehicle but need to file an SR-22 due to reasons like license suspension, revocation or severe traffic violations. For non-owner drivers, finding the most affordable provider ensures compliance without overspending.

An SR-22 is a certificate of financial responsibility required for Georgia drivers with serious traffic violations such as DWI, driving without insurance or repeat traffic offenses. It’s not an insurance policy but proof that you have the state minimum coverage. You or your insurer files it with Georgia's Public Safety Department, and it’s usually required for three years. If your SR-22 is canceled, terminated or lapses, the insurer must notify the state immediately.

An SR-22 verifies that you have the following minimum car insurance requirements in Georgia:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

If you don't own a vehicle, you'll need SR-22 non-owner car insurance instead. Remember, an insurance policy card isn't the same as an SR-22.

In Georgia, drivers with serious traffic violations or their insurer must file an SR-22 form to prove they have minimum coverage auto insurance. This is required for three years for offenses like driving under the influence (DUI) and reckless driving. Your insurer will notify the state if your policy is canceled, so keep your coverage active. Offenses needing an SR-22 include:

Filing an SR-22 in Georgia can result in higher insurance rates, limited coverage options and extra fees. Insurers might also deny you coverage or cancel your policy mid-term after you file. Keep your insurance active without gaps, as a lapse could reset your SR-22 requirement, which usually lasts three years.

Understanding the consequences of not filing an SR-22 can help avoid legal issues and ensure that you meet state minimum coverage requirements.

In Georgia, the average annual cost of SR-22 car insurance for drivers with a DUI is $2,421 for full coverage and $1,158 for minimum coverage. Drivers with a clean record pay $1,381 for full coverage and $691 for minimum coverage. This shows the high impact of a DUI on insurance rates.

The SR-22 form itself doesn’t increase rates; it's the DUI that does. Repeat offenders or those with severe violations might face non-renewal or higher rates upon renewal.

Failing to file an SR-22 in Georgia after serious traffic violations, like DUI, can lead to severe legal consequences. It’s essential for maintaining your driving privileges with minimum coverage for three years. Insurers must notify the state if your policy is canceled, which can affect your status. Here are the steps to file an SR-22 in Georgia:

If your SR-22 in Georgia lapses, your driving privilege will be re-suspended. To drive legally again, you must have minimum coverage auto insurance and file a new SR-22.

A DUI can increase your car insurance premiums. For a driver aged 30–59 with a clean record in Georgia, the average annual premium for minimum coverage is $691. With a DUI, the cost rises to $1,158.

You can still find affordable car insurance after a DUI. If you need an SR-22, consider minimum coverage options, which are cheaper and keep you driving legally.

Finding affordable SR-22 insurance in Georgia can be challenging. Get answers to your questions about the state's cheapest SR-22 car insurance options.