Cheapest SR-22 Car Insurance in Georgia

COUNTRY Financial offers the cheapest SR-22 insurance at $59 monthly for minimum coverage, about 40% less than the state average of $98. It's also the most affordable for full coverage at $104.

Auto-Owners offers Georgia's cheapest non-owner SR-22 insurance at $31 monthly or $370 annually. For those needing SR-22 filings without a car, non-owner insurance helps meet state minimum coverage requirements. 

The table below lists providers offering non-owner SR-22 insurance and their average costs for minimum coverage.

The average cost of car insurance in Georgia for drivers with an SR-22 is $1,170 annually for minimum coverage. This is 61% higher than the $725 average for those with clean records.

SR-22 drivers pay an average of $2,419 per year for full coverage, 67% higher than the $1,451 that those with clean records typically pay.

An SR-22 form alone doesn't raise your insurance rates. Costs depend on your driving violations. The table below compares SR-22 insurance prices in Georgia for common violations across different age groups.

An SR-22 is a form proving you have car insurance that meets Georgia's minimum coverage requirements. Drivers with certain violations must file an SR-22 to reinstate their license. Since insurers consider these drivers high-risk, they often face higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to verify you have sufficient coverage, meeting Georgia’s Financial Responsibility law for license reinstatement.

In Georgia, having an SR-22 is necessary for three years after serious traffic violations. This form shows you meet the state's minimum coverage requirements. To comply with SR-22 laws, you must meet these requirements:

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

In Georgia, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Georgia's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Georgia during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain active SR-22 insurance for the required period. You must get an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be challenging, as some insurers may cancel your policy or deny coverage, making it harder than for drivers with clean records.

High-risk drivers in Georgia may find fewer companies offering coverage, often leading to higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers people who frequently drive but don’t own a vehicle, making it ideal for frequent car renters or rideshare drivers. It protects you financially when driving someone else’s car and covers third-party injuries or property damage if you’re at fault.

Non-owner policies are often more affordable than standard insurance. To find the best rates, compare quotes from multiple insurers. Once you purchase a policy, your provider can file an SR-22 form, helping you meet state requirements and reinstate your license, typically after three years.

Georgia drivers with serious traffic violations must file an SR-22 to meet the state’s minimum coverage requirements. It may be required for three years for severe or repeated offenses. While SR-22 insurance typically costs more, cheap car insurance providers in Georgia cater to these drivers.

Below are frequently asked questions about SR-22 certifications in Georgia:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for Georgia drivers of various profiles and needs.

Georgia Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Georgia’s minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.