Georgia SR-22 Insurance After License Reinstatement
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
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
$200
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
Georgia operates under a tort liability system, meaning the at-fault driver's insurance pays for damages. Drivers reinstating after DUI, multiple violations, driving uninsured, or failure to appear must file SR-22 with the Georgia Department of Driver Services before driving privileges return.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
Non-Owner SR-22 Policy
What Drivers Pay in Georgia
$316–$423/mo
Typical monthly rate in Georgia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Filing duration remaining: Premiums drop when the SR-22 period ends, but the underlying violation surcharge continues for the full surcharge period set by your carrier.
- Credit-based insurance score: Georgia allows insurers to use credit in underwriting, and post-suspension drivers with low credit scores face combined surcharges that can double base rates.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf your license is suspended
Limited Driving Permit
application fee $32.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in Georgia after a DUI?
Georgia requires SR-22 filing for 3 years after a DUI conviction, measured from the date the filing is submitted to the Department of Driver Services, not the conviction date. If your SR-22 lapses at any point during the 3-year period, DDS suspends your license automatically and you must file a new SR-22 and pay a second reinstatement fee to restore driving privileges.
Which insurance companies write SR-22 policies in Georgia?
Non-standard carriers write most post-reinstatement SR-22 policies in Georgia because standard carriers decline applicants with suspensions in the past 3 years. The General, Acceptance, Freeway, Bristol West, and National General file SR-22 electronically with Georgia DDS and offer monthly payment plans. Progressive and State Farm write some SR-22 policies but typically require 3 years since the suspension before approving standard-rate coverage.
Coverage Types
Post-Reinstatement SR-22 Insurance
SR-22 filing proves you carry continuous liability coverage and is required for 3 years after most Georgia suspensions. The filing itself costs $25–$50 but premium surcharges add $40–$100/month.
Non-Owner SR-22
Provides liability coverage and SR-22 filing without insuring a specific vehicle. Used by drivers who lost their vehicle during suspension or who borrow cars regularly.
Non-Standard Auto Insurance
Carriers specializing in high-risk drivers write most post-reinstatement policies in Georgia because standard carriers decline applicants with suspensions in the past 3 years.
Full Coverage After Reinstatement
Liability plus collision and comprehensive coverage. Required if you have an active auto loan or lease, but optional if you own your vehicle outright.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you are hit by a driver with no insurance. Georgia carriers must offer it at policy inception.