Georgia SR22 Insurance: A Quick Guide to Find Affordable Options

By Randy Luton | Last Updated: 09/21/2023

SR22 insurance in Georgia is a special certificate that’s needed when the Georgia Department of Driver Services (DDS) wants to make sure a risky driver has proper insurance. It’s not just a regular piece of paper – it’s a way for the insurance company to confirm that the driver has the right amount of insurance as required by the state. This certificate shows that the driver has met Georgia’s rules for the least amount of insurance they need to have.

What is the difference between SR22 and SR22A in Georgia?

In the industry of auto insurance, it is imperative to distinguish between SR22 and SR22A in Georgia. While both pertain to assurance of financial responsibility, their applications differ substantially.

SR22 is a certificate necessary for many drivers with a suspended license, indicating that they have adequate insurance coverage. SR22A, on the other hand, is specifically tied to repeat violators of traffic laws and is, therefore, a more stringent form. This bifurcation manifests in both the requirements and the functions of these documents.

What are the requirements for SR-22 in Georgia?

Obtaining Georgia SR22 insurance requires adherence to a sequence of legal and procedural prerequisites. Predominantly, an SR 22 is necessitated after certain driving infractions such as DUIs or reckless driving.

  • Proof of Insurance: A valid insurance policy with at least minimum liability coverage.
  • Filing of SR 22 Form: This must be completed by the insurer and submitted to the Georgia DDS.
  • Fees and Premiums: SR 22 in Georgia often carries additional costs and higher premiums.
  • Compliance with Regulations: Continuous coverage without lapses for the required period.

Which companies offer Georgia SR22 insurance?

Several car insurance companies in Georgia cater to the SR-22 market. Among these companies are equipped to file the SR22 on behalf of their policyholders.

  1. Progressive
  2. Geico
  3. State Farm

While most mainstream carriers offer this service, it’s prudent to shop around. Some niche insurers specialize in high-risk insurance, often rendering more competitive rates for SR22 insurance in GA.

How long does SR-22 in Georgia last?

The duration of the SR 22 in Georgia is typically three years, but this can vary depending on the nature and severity of the underlying offense. Throughout this period, it’s crucial that the policyholder maintains uninterrupted coverage. Any lapse can reset the clock, prolonging the obligation to carry this special certification.

What coverage I need to get SR22 in Georgia?

To meet Georgia’s SR22 requirements, ensure you have the following coverages:
Bodily Injury Liability:

  • $25,000 Bodily Injury Per Person
  • $50,000 Bodily Injury Per Accident
  • $25,000 Property Damage Per Accident

By securing these coverage amounts, you’ll be in line with Georgia state laws, safeguarding your driving privileges and ensuring you’re on the right side of the law. Always drive with confidence and peace of mind!

How does Georgia SR-22 insurance impact your insurance rates?

The acquisition of SR-22 insurance in Georgia has a tangible impact on insurance rates. Often synonymous with high risk, the SR 22 designation invariably leads to an escalation in premiums. This augmentation reflects the insurer’s perceived risk in extending coverage to an individual who has, historically, demonstrated a proclivity for risky behavior on the road.

What is the cost of SR22 insurance in georgia?

The cost of SR22 insurance in Georgia can vary widely based on individual circumstances such as the nature of the violation and driving history.

  • Generally, SR22 itself might incur a filing fee of $15 to $25.
  • On average, if you’ve been caught driving under the influence (DUI) in Georgia, you might need to pay around $795 every year for basic SR 22 insurance, or about $1,660 for more complete coverage. This special kind of insurance might also be required if you’ve had other issues while driving, like accidents or speeding tickets.

Once the state finds you guilty of a driving offense, insurance companies will look at this information and use special tools to figure out how likely you are to make an insurance claim. The worse your driving record seems, the more your insurance costs will go up.

What is the cost of Non-owner SR22 Insurance in Georgia?

In Georgia, if you want non-owner car insurance (which covers you when you drive a car you don’t own), it usually costs about $39 every month. This is a bit cheaper – $4 less than the average cost of $43 per month all over the country.

Just remember, the actual price you pay for this type of insurance can change based on things like how old you are, your driving history, and the type of car you’ll be driving. These factors have a bigger impact on the cost of car insurance in Georgia than where you live.

How to obtain SR-22 insurance in Georgia?

Securing SR-22 insurance in Georgia is a process that necessitates diligence and understanding. The primary steps include:

  • Contacting Your Insurer: Reach out to your existing insurance provider or seek a specialized insurer.
  • Filing the SR 22 Form: Your insurer will complete and submit this on your behalf.
  • Paying the Necessary Fees: This will include both the SR 22 filing fee and potential adjustment to your premium.
  • Maintaining Continuous Coverage: Regular monitoring to ensure there’s no lapse in coverage is paramount.

In conclusion, SR-22 and SR-22A in Georgia are complex instruments, integral to the state’s regulatory framework for high-risk drivers. The multi-dimensional nature of this subject, encompassing everything from costs to compliance, highlights the importance of informed navigation of this intricate legal landscape. Whether you’re facing the prospect of SR 22 insurance or are simply endeavoring to understand its workings, knowledge is your most powerful tool.

rating star

We generated 12,100,000+ Quotes (...counting), Helping People to Save Money and Time.

Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

Was this article helpful?

Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.