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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
