Updated March 2026
State Requirements
Georgia requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. 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.
Cost Overview
High-risk auto insurance in Georgia costs $2,400–$5,200 annually depending on violation severity, points on record, and coverage level. DUI convictions and SR-22 requirements typically triple premiums for 3–5 years. Drivers with speeding tickets or minor at-fault accidents see rate increases of 20–40% until points drop off their record after 2 years.
What Affects Your Rate
- Violation type and severity: DUI increases rates 150–250%, speeding ticket 15–30%, at-fault accident 30–60%
- Number of points on license: Georgia's point system assigns 2–6 points per violation; 15 points in 24 months triggers suspension
- SR-22 filing requirement: adds $400–$1,200 annually in premium increases beyond the base rate hike from the violation itself
- Years since violation: rates drop 10–20% annually after 2 years with no new incidents; full recovery typically takes 5 years
- Metro area: Atlanta, Savannah, and Augusta high-risk drivers pay 15–25% more than rural Georgia due to claim frequency and uninsured motorist rates
- Prior insurance lapses: a coverage gap of 30+ days can add 20–40% to premiums and may require proof of prior insurance or SR-22 even without a suspension
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Frequently Asked Questions
Sources
- Georgia Department of Driver Services - SR-22 and License Reinstatement Requirements
- Georgia Department of Insurance - Minimum Coverage and Financial Responsibility Laws
- Insurance Research Council - Uninsured Motorists Study (Georgia Data)