See car insurance quotes from our partners

Your information is kept secure.

Cheapest SR-22 insurance in Georgia

The cheapest insurance companies for drivers who need an SR-22 in Georgia are State Far, Auto-Owners, Allstate, and others.

Headshot of Andrew Hurst

By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

Published|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

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.

A bar graph of the cheapest companies for SR-22 insurance in Georgia. State Farm has the lowest average rates.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

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

Collapse table
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Georgia

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:

  1. 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 .

  2. 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.

  3. 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.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

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.

References

dropdown arrow

Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Georgia Department of Driver Services

    . "

    Reinstate Your License

    ." Accessed June 07, 2023.

Author

Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

Questions about this page? Email us at .