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Georgia SR-22 & High-Risk Auto Insurance

Georgia requires 25/50/25 liability coverage and is an at-fault state.

Find Coverage After a Traffic Violation

Georgia at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Georgia

Drivers convicted of DUI, driving without insurance, repeat serious violations, or at-fault accidents while uninsured typically face SR-22 filing requirements administered by the Georgia Department of Driver Services. The SR-22 certificate proves continuous coverage and must remain active for the full compliance period or the requirement restarts. High-risk drivers often need higher limits than state minimums to satisfy non-standard carrier underwriting requirements.

Liability Insurance

Georgia's 25/50/25 minimums are mandatory for all drivers and form the foundation of SR-22 certificates. These limits are low relative to medical costs and property damage exposure—most high-risk carriers recommend 50/100/50 or higher to reduce personal liability after an at-fault accident. SR-22 filers must maintain continuous liability coverage without any lapse for the entire compliance period, typically 3 years in Georgia.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your carrier with the Georgia Department of Driver Services proving you carry at least minimum liability coverage. If your policy cancels or lapses during the 3-year SR-22 period, the insurer notifies the state within 10 days, your license suspends immediately, and the 3-year clock restarts from zero once you refile.

Non-Standard Auto Insurance

Drivers with DUI convictions, multiple violations, or suspended licenses typically cannot obtain coverage from standard carriers and must use non-standard or high-risk insurers. Georgia has multiple non-standard carriers operating statewide, and rate competition varies significantly—comparing at least 3–5 quotes is essential for high-risk profiles.

Uninsured Motorist Coverage

Georgia requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage at the same limits as your liability policy, though you can reject it in writing. High-risk drivers paying elevated premiums often skip UM to reduce costs, but this creates significant financial exposure if injured by an uninsured driver.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance to protect both other parties and your own vehicle.

What Drivers Pay in Georgia

$211–$278/mo

Typical monthly rate in Georgia, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Length of time since violation: premiums begin to decrease after 3 years and drop significantly after 5 years once violations fall off your driving record
  • SR-22 compliance history: maintaining continuous coverage without lapses demonstrates responsibility and may qualify you for standard-market carriers sooner
  • Number of carriers willing to quote: high-risk drivers in Georgia may receive quotes from only 3–5 non-standard carriers, reducing competitive pressure and raising rates
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See Who Will Insure You After a Ticket

Find Coverage After a Traffic Violation

Coverage Types

SR-22 Insurance

A certificate filed by your insurer proving continuous liability coverage to the Georgia Department of Driver Services. Required after DUI, driving uninsured, or repeat violations for typically 3 years.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers who cannot obtain policies from standard insurers due to violations, suspensions, or lapses. Offers SR-22 filing and flexible payment options.

Liability Insurance

Covers injury and property damage you cause to others in an at-fault accident. Georgia requires 25/50/25 minimums, but these limits may be insufficient for serious accidents involving multiple vehicles or injuries.

Full Coverage

Combines liability, comprehensive, and collision to protect your vehicle and others. Lienholders require full coverage on financed vehicles, but costs are significantly higher for high-risk drivers.

Uninsured Motorist Coverage

Protects you if injured by a driver with no insurance or insufficient limits. Georgia requires insurers to offer UM/UIM at your liability limits, though you can reject it in writing.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident or collision with an object, regardless of fault. Required by lienholders but optional for drivers who own their vehicles outright.

Find Your City in Georgia

Atlanta

urban

Columbus

urban

Augusta

urban

Macon

urban

Savannah

urban

Athens

suburban

Sandy Springs

suburban

Roswell

suburban

Johns Creek

suburban

Warner Robins

suburban

Albany

urban

Alpharetta

suburban