COUNTRY Financial provides the cheapest SR-22 insurance in Georgia at $161 monthly for minimum coverage and $247 for full coverage, 55% below the state's average rates. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI. Safeway, Allstate, Auto-Owners and Central might offer better rates for your specific situation.
Cheapest SR-22 Car Insurance in Georgia
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
COUNTRY Financial provides the most affordable SR-22 insurance in Georgia, with premiums averaging $161 per month or $1,929 per year.
Peach State drivers filing an SR-22 pay an average of $253 monthly for Georgia car insurance costs with minimum coverage, while full coverage averages $448 per month.
Georgia requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Georgia
| COUNTRY Financial | $161 | $247 | -55% |
| Allstate | $200 | $329 | -42% |
| Central | $201 | $400 | -34% |
| Auto-Owners | $217 | $371 | -35% |
| Safeway | $227 | $299 | -42% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Georgia by Category
COUNTRY Financial dominates Georgia's SR-22 insurance market, leading in four out of seven categories including coverage for most drivers and those with hit-and-run violations. Auto-Owners excels in two categories with particularly affordable rates for drivers with racing violations, while GEICO leads for drivers with multiple speeding tickets.
| Most Drivers Needing a SR-22 | COUNTRY Financial | $161 | $247 |
| Young Drivers With a Suspension | COUNTRY Financial | $209 | $329 |
| Senior Drivers With a Suspension | COUNTRY Financial | $149 | $224 |
| Drivers With Multiple Speeding Tickets | GEICO | $111 | $269 |
| Drivers With Racing Violation | Auto-Owners | $98 | $192 |
| Drivers With Hit-And-Run Accident | COUNTRY Financial | $159 | $245 |
| Drivers With Other Violations | Auto-Owners | $85 | $194 |
* 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.
Cheapest Personalized SR-22 Car Insurance in Georgia
Our analysis covered general winners, but your best insurance rates depend on personal factors. See the table below for the five most affordable providers based on your age, gender, coverage needs, credit score and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| GEICO | $350 | $4,205 | -51% |
| Allstate | $492 | $5,907 | -31% |
| Progressive | $580 | $6,955 | -18% |
| State Farm | $936 | $11,233 | 32% |
| Farmers | $1,196 | $14,352 | 68% |
Cheapest SR-22 Car Insurance in Georgia by City
COUNTRY Financial provides the cheapest SR-22 car insurance across Georgia cities, with rates starting at $125 per month, depending on your location. Here's what you'll pay in major cities throughout Georgia.
| Athens | COUNTRY Financial | $136 |
| Atlanta | COUNTRY Financial | $202 |
| Augusta | COUNTRY Financial | $152 |
| Columbus | COUNTRY Financial | $146 |
| Macon | COUNTRY Financial | $147 |
| Mcdonough | COUNTRY Financial | $181 |
| Newnan | COUNTRY Financial | $152 |
| Savannah | COUNTRY Financial | $153 |
| Valdosta | COUNTRY Financial | $125 |
| Waleska | COUNTRY Financial | $140 |
| Warner Robins | COUNTRY Financial | $142 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Georgia
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.
| Central | 4.78 | 5 | 3 | 1 |
| Auto-Owners | 4.76 | 4 | 1 | 7 |
| Progressive | 4.72 | 7 | 2 | 3 |
| Allstate | 4.65 | 3 | 7 | 4 |
| Mercury Insurance | 4.56 | 8 | 5 | 6 |
Central Insurance
Best Overall for SR-22 Insurance in Georgia
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
4.5/5Customer Experience
5/5Coverage Options
Average Monthly Full Coverage Cost
$400For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$201For minimum state coverage for drivers filing an SR-22Best For
Coverage Options
How Much Is SR-22 Car Insurance in Georgia?
Georgia SR-22 car insurance costs an average of $3,039 per year for minimum coverage and $5,380 annually for full coverage policies. Georgia ranks as the 38th most affordable state for minimum coverage and 36th for full coverage with these requirements. Monthly rates can vary based on driver profiles, ranging from $132 to $1,354.
| Minimum Coverage | $253 | $3,039 | 44% |
| Full Coverage | $448 | $5,380 | 35% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Georgia City
According to our Georgia insurance analysis, Valdosta offers the lowest SR-22 rates at $188 monthly, while McDonough has the highest premiums at $323 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Athens | $198 | $2,374 |
| Atlanta | $317 | $3,807 |
| Augusta | $217 | $2,604 |
| Columbus | $221 | $2,647 |
| Macon | $241 | $2,897 |
| Mcdonough | $323 | $3,879 |
| Newnan | $258 | $3,095 |
| Savannah | $250 | $3,000 |
| Valdosta | $188 | $2,252 |
| Waleska | $228 | $2,733 |
| Warner Robins | $229 | $2,742 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Georgia SR-22 Insurance Requirements
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.
TYPES OF SR-22 FILINGS
Georgia offers an SR-22 Operators-Owner Certificate for drivers who need comprehensive coverage. This combined filing combines traditional and non-owner policies, providing coverage whether you're driving your own car or someone else's vehicle. This option proves particularly useful for drivers who frequently alternate between their own vehicles and those owned by others.
Other Georgia SR-22 Insurance Laws and Regulations
Georgia drivers must understand several insurance laws and regulations beyond just filing an SR-22 form to meet the state's minimum coverage requirements.
- First offense: requires three years of SR-22 coverage
- Second offense within five years: results in a 5-year license suspension with continued SR-22 requirement
- Third offense within five years: leads to a five-year suspension with mandatory SR-22 coverage.
SR-22 Filing and Reinstatement Fees
The SR-22 filing fee ranges from $15 to $25 while license reinstatement fees range from $210 to $810, depending on the violation type. Georgia offers payment plans for fees exceeding $500.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Georgia Department of Driver Services immediately. Your license will be suspended again until you file a new SR-22 and pay additional reinstatement fees.
SR-22 Requirement Duration
The standard SR-22 requirement lasts three years, but extends to five years for serious violations involving injuries, death, or major property damage. For other violations:
SR-22 Filing Process
To file an SR-22 in Georgia, contact an insurance company licensed in Georgia and purchase a policy meeting state minimum requirements. The insurance company files the SR-22 electronically with the Georgia Department of Driver Services, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Georgia drivers who have been denied standard auto insurance coverage still have options for securing a policy. While Georgia doesn't maintain a state-sponsored high-risk insurance program, several private insurance companies specialize in covering drivers with SR-22 requirements or poor driving records. These non-standard insurers, though typically more expensive than traditional carriers, provide viable coverage options for high-risk drivers who need to maintain legal insurance requirements.
Cheap SR-22 Insurance in Georgia: Bottom Line
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.
SR-22 Insurance Georgia: FAQ
Below are frequently asked questions about SR-22 certifications in Georgia:
What are the cheapest SR-22 car insurance options in Georgia?
COUNTRY Financial provides Georgia's cheapest SR-22 car insurance at $161 per month for minimum coverage. Safeway and Allstate follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Georgia?
Filing an SR-22 increases car insurance rates in Georgia by 44% compared to drivers with clean records.
How long do you need to have an SR-22 in Georgia?
In Georgia, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can lead to additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.