Cheapest SR-22 insurance in Georgia
We found that State Farm has the cheapest SR-22 insurance in Georgia. On average, car insurance for someone who needs an SR-22 costs $123 per month, or $1,480 per year. That’s 49% cheaper than the statewide average.
You can also find some of the cheapest SR-22 insurance in Georgia at Auto-Owners, Allstate, and a few others. But rates depend on the driver, so comparing car insurance quotes before buying is a good idea.
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Company | Average monthly cost of SR-22 insurance | Average yearly cost of SR-22 insurance |
|---|---|---|
State Farm | $123 | $1,480 |
Auto-Owners | $162 | $1,944 |
Allstate | $173 | $2,079 |
USAA | $178 | $2,139 |
COUNTRY Financial | $190 | $2,285 |
Progressive | $215 | $2,575 |
Georgia Farm Bureau | $220 | $2,643 |
Central Mutual | $239 | $2,872 |
Safeway | $241 | $2,893 |
We found the cheapest SR-22 insurance in Georgia by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.
Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Georgia?
An SR-22 is a form that your car insurance company files for you to prove that you’re insured — so SR-22 insurance it’s actually a product, it just refers to regular car insurance with an SR-22 form attached. In Georgia, drivers have to have at least the following amounts of car insurance:
Bodily injury liability (BIL): $25,000 per person, $50,000 per accident
Property damage liability (PDL): $25,000 per accident
In Georgia, you may need an SR-22 if you’re caught driving uninsured or to get your license back after a suspension for serious driving violations (like driving under the influence). [1]
Having to get SR-22 insurance in Georgia makes your rates more expensive, since you’re viewed as more likely to make a claim. You may also have to pay a fine, the amount will depend on your violation. For example the fine for not having car insurance is up to $310.
How an SR-22 and SR-22A are different
Georgia requires drivers who were caught driving uninsured more than once to have an SR-22A, which is a separate form. Insurance companies will file an SR-22A for you just like they file an SR-22,
You must have SR-22A on record for three years. An SR-22A also requires a filing fee (which you’d have to pay more than once if you let your coverage lapse during the three years).
How to get SR-22 insurance in Georgia
If you need an SR-22, the first place to start is with your current car insurance company. If you already have a policy, you can ask your current insurance company to file an SR-22 for you.
But if you don’t already have car insurance or your current company won’t file an SR-22 for you, you can meet Georgia’s SR-22 insurance requirements by following these steps:
Find a company that will offer you coverage: Insurance companies will file the SR-22 for you, but not every company will offer you coverage if you need an SR-22. If you’re a high-risk driver, you may need to shop around .
Pay the fees that go along with your driving violation: Driving violations usually come with a fine that you’ll have to pay before you’re able to drive again, even if you’re able to prove you’re insured.
Don’t let your policy lapse: If your policy lapses while you're supposed to have an SR-22 on record, you will have to pay your fines again and you won’t be able to get another SR-22 for at least 12 months after the first one was filed.
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Non-owner SR-22 insurance in Georgia
Even people who don’t own cars can be ordered to file an SR-22 and show proof of car insurance. Non-owner insurance, a special kind of limited coverage for people who don’t own a vehicle, can provide you with basic coverage and allow you to get your license back.
Just like with a regular car insurance policy, you can have your car insurance company file an SR-22 with the state when you get a non-owners policy. Non-owner insurance is cheaper than a standard policy since it usually has low limits and doesn’t include any of the coverage you need if you actually own a car.
Not many companies offer non-owners insurance, and even fewer offer non-owner insurance with an SR-22. If you’re in Georgia and you need to get non-owners insurance, plan to call a few companies (carriers don’t offer this coverage online) to find a policy.
Frequently asked questions
How long is an SR-22 required in Georgia?Georgia requires drivers to carry an SR-22 for three years, but it could be longer if you let your coverage lapse during this time.
Is an SR-22 the same as an SR-26?No, they’re not the same. An SR-22 is a document that proves you have car insurance, but an SR-26 lets your state know that you’ve canceled your SR-22.
How do you remove an SR-22 in Georgia?Your carrier will give the state of Georgia at least 20-days notice ahead of the day you can cancel your SR-22. When that day comes, you’ll be able to drop the SR-22 from your insurance.
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