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In Georgia, the cheapest SR-22 insurance options are offered by Nationwide at $1,401 per year and Geico at $1,486 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.
An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that proves you meet your state’s minimum car insurance requirements. It’s often required after serious driving violations, such as a DUI, reckless driving, or driving without insurance. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs.
Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.
Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.
What is an SR-22?
An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).
An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.
Key Takeaways
- SR-22 car insurance in Georgia costs $1,795, on average.
- Nationwide offers the cheapest SR-22 insurance policies in Georgia at $1,401 per year.
- SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.
Do I need to buy SR-22 insurance in Georgia?
As mentioned before, an SR-22 isn’t an insurance policy. It’s a form your insurance company files with your state’s DMV to show that you have the required minimum coverage, even with certain driving offenses on your record. The filing fee is usually low, but insurance with an SR-22 can be expensive.
Here are few offenses that might require an SR-22:
- DUI, DWI or other serious moving violations
- Reckless driving
- Accidents resulting in suspension or revocation
- Accumulation of too many driving violation points
- Driving without insurance
If you are convicted of any of these violations, you might need an SR-22. After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.
You usually have to keep the SR-22 for at least three years. If you don’t, your license could be suspended.
Average SR-22 car insurance cost in Georgia
The average cost of SR-22 car insurance in Georgia is $1,795. This is $780 higher than in New Hampshire, which has the cheapest SR-22 insurance.
However, it’s also $2,246 less expensive than in Michigan, the most expensive state for SR-22 insurance.
The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.
Cheapest SR-22 insurance companies in Georgia
Insurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in Georgia.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,401 | $117 |
| Geico | $1,486 | $124 |
| Auto-Owners | $1,524 | $127 |
| Progressive | $1,996 | $166 |
| State Farm | $2,138 | $178 |
| Mercury Insurance | $2,239 | $187 |
| Allstate | $2,333 | $194 |
| USAA* | $1,244 | $104 |
Note: USAA is only available to military community members and their families.
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Cheap SR-22 insurance in Georgia by city
As mentioned earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in Georgia.
| City | Average annual premium |
|---|---|
| Athens | $1,197 |
| Augusta | $1,226 |
| Guyton | $1,249 |
| Pooler | $1,273 |
| Alpharetta | $1,346 |
| Mcdonough | $1,470 |
| Douglasville | $1,484 |
| Atlanta | $1,500 |
| Marietta | $1,549 |
| Austell | $1,562 |
SR-22 insurance requirements in Georgia
The Georgia DMV requires all drivers to meet the following minimum requirements for car insurance coverage:
- $25,000 for injury/death per person
- $50,000 for injury/death per accident
- $25,000 for damage to property per accident
These are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.
How much does SR-22 in Georgia cost with a DUI?
Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.
Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.
| Company | SR-22 with 1 DUI | SR-22 Filing only |
|---|---|---|
| State Farm | $2,337 | $2,138 |
| Nationwide | $2,848 | $1,401 |
| Allstate | $2,882 | $2,333 |
| Auto-Owners | $3,022 | $1,524 |
| Mercury Insurance | $3,047 | $2,239 |
| Progressive | $3,186 | $1,996 |
| Geico | $4,914 | $1,486 |
| USAA* | $2,507 | $1,244 |
Note: USAA is only available to military community members and their families.
How to get the cheapest SR-22 insurance in Georgia
If you have an SR-22 in Georgia, you might think you are doomed to pay inflated insurance rates. But just because you need an SR-22 doesn’t mean you’ll end up paying the highest rates.
First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies might even specialize in high-risk drivers and be able to offer you better SR-22 rates.
Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.
You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.
There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.
Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Georgia, recommends the following:
- Shopping around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
- Pay upfront: If possible, paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance: If you don’t own a vehicle but want to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.
Non-owner SR-22 insurance in Georgia
Some states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.
Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.
It’s generally a cheaper option than a standard car insurance policy since it only covers liability.
Read more about how non-owners car insurance works in Georgia
Who needs SR-22 insurance?
Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.
For instance, if you have a DUI on your record, the state will require you to prove that you have enough insurance to be financially responsible.
Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney who has experience with traffic laws.
How long do you need SR-22 insurance in Georgia?
You typically need to maintain an SR-22 for three years.
In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.
The bottom line on SR-22 in Georgia
Georgia’s average SR-22 insurance rate is $1,795, compared to the overall average car insurance cost in Georgia, which is $1,618. That means Georgia’s SR-22 rate is $177 more per year.
But remember that there are a lot of factors that can affect insurance premiums.
What our expert says
Q: How can you save on SR-22 insurance?
Resources and Methodology
Sources:
- Shouse Law Group. “SR22 Georgia.” Accessed January 2025.
- Progressive Insurance. “What is an SR-22?” Accessed January 2025.
Methodology
Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.
Compare SR-22 insurance rates with other states
- What is an SR-22?
- Do I need to buy SR-22 insurance in Georgia?
- Average SR-22 car insurance cost in Georgia
- Cheapest SR-22 insurance companies in Georgia
- Cheap SR-22 insurance in Georgia by city
- SR-22 insurance requirements in Georgia
- How much does SR-22 in Georgia cost with a DUI?
- How to get the cheapest SR-22 insurance in Georgia
- Non-owner SR-22 insurance in Georgia
- Who needs SR-22 insurance?
- How long do you need SR-22 insurance in Georgia?
- The bottom line on SR-22 in Georgia
- What our expert says
- Resources and Methodology