Cheapest SR-22 Car Insurance in Georgia

Country Financial delivers Georgia's most affordable SR-22 insurance at $1,929 for minimum coverage and $2,966 for full coverage. That minimum rate is $3,010 below the state average of $4,940, a significant 61% discount in one of the Southeast's costlier SR-22 markets.

Mercury Insurance, the most expensive on our list, costs $3,018 for minimum coverage, still 25% below the state average but $1,089 more than Country Financial. Georgia's high SR-22 rates make finding the right carrier especially important.

You can find the five insurers offering Georgia's cheapest SR-22 premiums in the table below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Country Financial most often emerges as the category winner in this dataset. The least expensive category is Drivers With Other Violations, priced at $1,021 for minimum coverage SR-22 insurance with Auto-Owners, while the most expensive is Young Drivers With a Suspension, at $2,509 with Country Financial. The $1,488 spread underscores how youth and suspension violations dramatically escalate SR-22 costs in Georgia.

Insurers still price SR-22 policies based on violation severity and history, so individual quotes can vary even within the same category label.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Valdosta records the lowest minimum coverage SR-22 at $1,499 (Country Financial), while Atlanta is most expensive at $2,421 (Country Financial). The $922 gap equals about 62% more in the metro, reflecting heavier traffic, higher claim severity, and costlier repairs in the state capital.

Population density, collision frequency, and repair economics are major drivers of Georgia's city-to-city SR-22 variation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Central stands out as the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service, useful coverage options and the highest overall MoneyGeek score. However, you should also consider Auto-Owners, Progressive, Allstate and Mercury Insurance in your search.

To comply with Georgia laws, you must carry these minimum liability limits:

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

In the state, SR-22 certificates are usually required for three years. It can be extended to five years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Georgia drivers must understand several insurance laws and regulations beyond just filing an SR-22 form to meet the state's minimum coverage requirements.

In Georgia, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

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

MoneyGeek analyzed hundreds of thousands of quotes across Georgia to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Georgia SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

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

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.