Georgia SR-22 & High-Risk Auto Insurance
Georgia requires 25/50/25 liability coverage and is an at-fault state.
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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
State Requirements
The state uses a point system where accumulating 15 points in 24 months triggers license suspension. SR-22 filing is required for specific high-risk violations including DUI, driving without insurance, and certain license suspensions. Most point violations from speeding tickets or at-fault accidents do not require SR-22 but will increase premiums for 3–5 years.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$211–$278/mo
Typical monthly rate in Georgia, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of points on license: Georgia's point system assigns 2–6 points per violation; 15 points in 24 months triggers suspension
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in Georgia?
Georgia requires SR-22 filing for 3 years from the date of license reinstatement. The requirement does not appear on your driving record itself, but your insurer must maintain continuous coverage and filing during the entire period. If your policy lapses, the 3-year clock resets from the new reinstatement date.
How many points does it take to suspend your license in Georgia?
Georgia suspends your driver's license if you accumulate 15 or more points within any 24-month period. Points range from 2 for minor violations to 6 for more serious offenses. After suspension, you must complete a DDS hearing, pay reinstatement fees, and may be required to file SR-22 for 3 years.
Can you get insurance with a suspended license in Georgia?
Yes, you can purchase insurance with a suspended license in Georgia, and you must do so before reinstatement if SR-22 filing is required. Many non-standard carriers write policies for suspended drivers specifically to satisfy SR-22 requirements. You cannot legally drive until your license is reinstated, but maintaining continuous coverage during suspension prevents lapses that reset the SR-22 clock.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Georgia requires 25/50/25 minimums but high-risk drivers often need higher limits to secure coverage with non-standard carriers.
SR-22 Insurance
A certificate filed by your insurer proving you carry minimum liability coverage. Required in Georgia after DUI, uninsured driving, or license suspension for points.
Non-Standard Auto Insurance
Specialized coverage for drivers standard carriers decline or non-renew due to DUI, multiple violations, SR-22 requirements, or lapses. Rates are 40–150% higher than standard market.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders if financing a vehicle and recommended for high-risk drivers to avoid total financial loss after a second incident.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance. Optional in Georgia but recommended given the state's 12% uninsured driver rate.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Deductibles typically range from $500–$1,000 for high-risk drivers.