When Do Points From a DUI Fall Off in Georgia?

A DUI conviction in Georgia adds 4 points to your DMV record, and those points remain visible for exactly 2 years from the conviction date. After 2 years, the points drop off automatically — you do not need to file paperwork or pay a removal fee. The conviction itself stays on your permanent driving history, but the point value that counts toward license suspension expires at the 2-year mark. Georgia suspends your license if you accumulate 15 points in any 24-month period. A single DUI puts you at 4 points. If you receive additional moving violations — speeding tickets, failure to yield, following too closely — those points stack. A second speeding ticket of 15-18 mph over the limit adds 2 more points, bringing your total to 6. A third violation before the 2-year window closes could push you past the 15-point threshold and trigger a suspension. The 2-year clock starts on the conviction date, not the arrest date or the date you paid the fine. If your DUI conviction was finalized on March 15, 2023, the 4 points drop off on March 15, 2025. Check your official Georgia driving record through the DDS online portal to confirm your current point total and expiration dates.

Most carriers in Georgia apply a DUI surcharge for 3 to 5 years from the conviction date, not the 2-year DMV point expiration. This creates a gap: your driving record may be clean at 2 years, but your premium remains elevated because the carrier's underwriting lookback window extends beyond the state point system. A first-offense DUI typically triggers a 60-90% rate increase with preferred carriers like State Farm, GEICO, or Progressive. That increase persists through three to five annual renewals depending on the carrier's internal surcharge schedule. After the surcharge period ends, your rate drops back to your clean-record tier — but only if you remain violation-free during the surcharge window. A second moving violation during that period resets the clock. Some carriers review surcharges at each renewal and may reduce the penalty incrementally after year 3. Others hold the full surcharge for the entire period and drop it all at once. You will not receive advance notice when the surcharge expires. Check your renewal declaration page each year and compare it to your previous premium to identify when the surcharge falls off. If your rate does not drop at the expected renewal, call your carrier and request a manual re-rate. Switching carriers at the 3-year mark often produces a better rate than waiting for your current carrier to remove the surcharge. Non-standard carriers like The General or Acceptance Insurance specialize in DUI coverage and may offer lower premiums than your current preferred carrier during the surcharge period.

Georgia requires SR-22 filing after a DUI conviction. The filing period lasts 3 years from the date your license is reinstated, not from the conviction date. If your license was suspended for 12 months and you reinstated it on January 1, 2024, your SR-22 filing obligation runs through January 1, 2027. SR-22 is not insurance — it is a certificate your insurance carrier files with the Georgia DDS to prove you carry at least the state minimum liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Your carrier charges a one-time filing fee, typically $25-$50, and may charge an annual renewal fee of $10-$25 to maintain the filing. If your coverage lapses during the 3-year SR-22 period, your carrier must notify the DDS within 10 days. The DDS suspends your license immediately. Reinstatement requires paying a $210 restoration fee, obtaining new SR-22 coverage, and restarting the 3-year filing clock from the new reinstatement date. A single lapse can add years to your total filing obligation. Not all carriers offer SR-22 filing in Georgia. Preferred carriers like USAA or Erie may non-renew your policy after a DUI conviction, forcing you into the non-standard market. Carriers that specialize in SR-22 coverage include Progressive, The General, Acceptance Insurance, and Direct Auto. Expect to pay 10-20% more than your pre-DUI premium even after switching to a non-standard carrier, on top of the DUI surcharge itself.

When the 4 DUI points drop off your Georgia DMV record at the 2-year mark, your license suspension risk resets to zero — but your insurance rate does not automatically drop. Carriers do not monitor your DMV record in real time. They review your driving history at renewal, typically once per year. If your renewal date falls 6 months after your points expire, you carry the surcharge for an additional 6 months even though your record is clean. Some carriers apply a reduced surcharge after year 2 or year 3, stepping down the penalty incrementally. State Farm, for example, may reduce a DUI surcharge by 25% at the 3-year mark and remove it entirely at year 5. Progressive holds the full surcharge for 3 years and drops it at renewal. GEICO reviews surcharges annually but does not publish a fixed schedule. Call your carrier at each renewal and ask whether your surcharge has been reviewed. Switching carriers at the 2-year or 3-year mark often produces the largest rate drop. A new carrier pulls your current MVR and quotes you based on the violations visible at that moment. If your points have expired, the new carrier may classify you in a lower risk tier than your current carrier, even if the DUI conviction itself remains visible. Non-standard carriers like The General or Direct Auto may offer better rates than your current preferred carrier during the surcharge window. If you remain violation-free for 3-5 years after the DUI, most carriers reclassify you as standard risk. That reclassification does not happen automatically. Request quotes from at least three carriers at your next renewal to confirm you are being rated accurately.

Georgia does not offer a defensive driving course or point reduction program that removes DUI points early. The 4 points from a DUI conviction remain on your record for the full 2-year period regardless of any courses you complete or actions you take. Defensive driving courses in Georgia can reduce points for certain moving violations — speeding tickets, failure to yield, following too closely — but DUI convictions are excluded from the eligible violation list. You cannot expunge or seal a DUI conviction from your Georgia driving record. The conviction remains visible on your permanent MVR even after the points expire. Insurance carriers, employers, and background check services can see the conviction indefinitely. The only change at the 2-year mark is that the 4-point penalty no longer counts toward your 15-point suspension threshold. The fastest way to reduce your insurance cost after a Georgia DUI is to shop for coverage every 6-12 months. Carrier surcharge schedules vary widely, and a carrier that quoted you 90% higher at 6 months post-conviction may quote you 40% higher at 18 months. Non-standard carriers often offer better rates than preferred carriers during the first 3 years after a DUI. After 3 years, preferred carriers may re-quote you at standard rates if you have remained violation-free.

A DUI puts you at 4 points. Additional moving violations during the 2-year point window stack on top of that total. A speeding ticket of 15-18 mph over the limit adds 2 points. A speeding ticket of 19-23 mph over adds 3 points. Reckless driving adds 4 points. If you receive a speeding ticket 6 months after your DUI conviction, you now carry 6-7 points depending on the speed, and you remain at elevated risk of reaching the 15-point suspension threshold. Georgia assesses points for dozens of moving violations, including failure to obey a traffic control device (3 points), improper lane change (3 points), following too closely (3 points), and failure to yield (3 points). Minor violations like a broken taillight or expired registration do not add points, but they do trigger insurance surcharges if the carrier includes them in your violation count. Each violation starts its own 2-year clock. If your DUI conviction was finalized on January 1, 2023, and you received a speeding ticket on July 1, 2023, the DUI points expire on January 1, 2025, but the speeding ticket points remain until July 1, 2025. Your total point count drops incrementally as each violation expires, not all at once. Carriers apply separate surcharges for each violation. A DUI surcharge and a speeding ticket surcharge run concurrently, not sequentially. If your DUI surcharge is 80% and your speeding ticket surcharge is 20%, your total rate increase is roughly 100%, not 80% followed by 20%. Both surcharges must expire before your rate returns to your clean-record baseline.