Cheap SR-22 Insurance in Georgia (2024)

If you need SR-22 insurance in Georgia, it’s important to find the cheapest rates to mitigate your increased premiums.

Geoff Williams
Written byGeoff Williams
Geoff Williams
Geoff Williams
  • 27+ years writing about personal finance

  • Bylines in numerous notable publications

Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated May 16, 2024

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Cheapest recent rates in Georgia

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $70/mo for full coverage in Georgia.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 16, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 16, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you want to reinstate your Georgia driver’s license after a traffic violation or conviction, you may need to file an SR-22 with the state. Filing an SR-22 isn’t expensive, but the conviction that leads to one may raise your car insurance rates, which is why it’s important to research insurers that offer SR-22s and find one with the lowest rates. On average, SR-22 insurance in Georgia costs $318 a month — 27% more than the state average of $250.

Quick Facts
  • SR-22 insurance isn’t actually insurance. It’s paperwork indicating that you meet the state’s minimum insurance requirements.

  • Even if you don’t own a car, you may need to file a nonowner SR-22 form to reinstate your license.

  • Auto-Owners offers the cheapest SR-22 insurance in Georgia, at an average of $81 a month.

What is SR-22 insurance in Georgia, and when do you need it?

An SR-22 is a form that some drivers need to fill out to prove that their auto insurance policy meets the minimum liability coverage Georgia requires.

“An SR-22 is a certificate of financial responsibility that is required by some states for drivers who have been convicted of certain traffic offenses, such as driving under the influence, a DUI, or driving without insurance,” says John Espenschied, Insurance Brokers Group owner. “The SR-22 is filed with the state’s department of motor vehicles (DMV) and shows that the driver has met the state’s minimum liability insurance requirements.”

Georgia may suspend your license for the following violations:[1]

  • Driving at or faster than 75 mph on a two-lane highway

  • Driving at or faster than 85 mph on any road in Georgia

  • Failure to pay child support

  • Driving under the influence

  • Failure to appear in court or pay a traffic ticket

  • Failure to provide proof of insurance

  • Accumulating more than the allotted license points

Not every conviction requires an SR-22 for reinstatement, but if you have multiple convictions of failure to provide proof of insurance, the state will likely require an SR-22.[1]

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How can you get insurance with an SR-22 in Georgia?

If you need to add an SR-22 to your insurance policy, contact your insurance company and explain you need it to update your policy and file the form on your behalf.

Not all insurance companies will work with you if you need to file an SR-22. Your insurer might not offer SR-22 forms, or your driving history may trigger a cancellation.[2] In that case, you’d have to shop around for a new policy and find an insurer that will extend coverage to you.

How long is an SR-22 required in Georgia?

Georgia requires you to maintain continuous coverage with an SR-22 on file for three years.[1] If you have additional infractions on your driving record or your insurance company cancels your policy and you lose coverage, the state may suspend your license again.

Drivers with multiple convictions of driving without insurance may need to get an SR-22A form, which requires a paid-in-full receipt of insurance. Even if you don’t have a car, you need to file a nonowner SR-22 or SR-22A form with six months of premiums paid up front.

How much is an SR-22 in Georgia?

If you need an SR-22 in Georgia, you’ll pay a filing fee, and how much that costs will depend on your insurer. Across the country, most insurers tend to charge $15 to $35 to file the SR-22. Whatever you pay, Espenschied says that it will be “nominal.”

Cheapest companies for SR-22 insurance in Georgia

Insurance companies may deny you coverage if you need an SR-22, but quite a few companies in Georgia file SR-22 insurance for drivers. On average, drivers pay between $81 a month with Auto-Owners and $278 a month with Bristol West. 

The table below shows the insurance companies in Georgia that offer SR-22 insurance and their average monthly costs.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners924.3
State Farm994.6
COUNTRY Financial1004.5
Allstate1074.4
Mile Auto1093.7
USAA1144.7
Progressive1334.2
Safeco1374.2
State Auto1454.2
Mercury1584.0
GEICO1584.4
Clearcover1693.4
National General1863.4
Liberty Mutual1923.9
Elephant1954.1
AssuranceAmerica1982.7
Direct Auto1983.6
GAINSCO2163.7
Midvale Home & Auto2224.0
Nationwide2374.4
Infinity2820.0
The General2963.6
Bristol West3302.6
Foremost3533.7
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest insurance companies for SR-22 Georgia by city

Where you live is a common factor that insurance companies consider when determining your premiums. Areas with more drivers and higher rates of accidents and thefts tend to experience higher rates than rural areas.[3] For example, SR-22 drivers in Valdosta, Georgia, find average rates of $61 with State Farm, but drivers in Atlanta find average rates of $103 from the same insurer.

Below are some cities in Georgia and their average monthly costs for liability-only insurance for drivers with SR-22s.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
City NameInsurance CompanyAverage Monthly Quote: Liability Only
DaltonAuto-Owners66
ValdostaAuto-Owners66
ValdostaState Farm71
DaltonCOUNTRY Financial72
DaltonState Farm72
ValdostaCOUNTRY Financial72
ValdostaAllstate78
ValdostaMile Auto78
DaltonAllstate79
DaltonMile Auto79
AlbanyAuto-Owners80
DaltonUSAA83
ValdostaUSAA83
AthensAuto-Owners85
GainesvilleAuto-Owners85
AlbanyState Farm86
AlbanyCOUNTRY Financial88
AlpharettaAuto-Owners88
ColumbusAuto-Owners88
AugustaAuto-Owners89
Warner RobinsAuto-Owners90
WoodstockAuto-Owners90
AthensState Farm92
GainesvilleCOUNTRY Financial92
GainesvilleState Farm92
MariettaAuto-Owners92
AthensCOUNTRY Financial93
AlbanyAllstate95
AlbanyMile Auto95
AlpharettaState Farm95
ColumbusState Farm95
AlpharettaCOUNTRY Financial96
AugustaState Farm96
ColumbusCOUNTRY Financial96
ValdostaProgressive96
AugustaCOUNTRY Financial97
DaltonProgressive97
Warner RobinsState Farm97
WoodstockState Farm97
MariettaState Farm99
Warner RobinsCOUNTRY Financial99
WoodstockCOUNTRY Financial99
AthensAllstate100
AthensMile Auto100
GainesvilleAllstate100
GainesvilleMile Auto100
MariettaCOUNTRY Financial100
AlbanyUSAA102
DallasAuto-Owners102
LawrencevilleAuto-Owners103
AlpharettaAllstate104
AlpharettaMile Auto104
ColumbusAllstate104
ColumbusMile Auto104
ValdostaSafeco104
AugustaAllstate106
AugustaMile Auto106
DaltonSafeco106
SavannahAuto-Owners106
AthensUSAA107
GainesvilleUSAA107
Warner RobinsAllstate107
Warner RobinsMile Auto107
WoodstockAllstate107
WoodstockMile Auto107
MariettaAllstate109
MariettaMile Auto109
AtlantaAuto-Owners110
DallasState Farm110
DaltonMercury110
ValdostaMercury110
AlpharettaUSAA112
AugustaUSAA112
ColumbusUSAA112
DallasCOUNTRY Financial112
LawrencevilleState Farm112
LawrencevilleCOUNTRY Financial113
SavannahState Farm114
ValdostaGEICO114
ValdostaState Auto114
Warner RobinsUSAA114
WoodstockUSAA114
DaltonGEICO116
DaltonState Auto116
MariettaUSAA116
SavannahCOUNTRY Financial116
AlbanyProgressive117
DaltonClearcover117
ValdostaClearcover117
AtlantaState Farm119
AtlantaCOUNTRY Financial120
DallasAllstate120
DallasMile Auto120
MaconAuto-Owners121
LawrencevilleAllstate123
LawrencevilleMile Auto123
AthensProgressive124
GainesvilleProgressive124
SavannahAllstate126
SavannahMile Auto126
AlbanySafeco127
AlpharettaProgressive128
ColumbusProgressive128
DallasUSAA128
AugustaProgressive130
LawrencevilleUSAA130
AtlantaAllstate131
AtlantaMile Auto131
MaconState Farm131
MaconCOUNTRY Financial133
SavannahUSAA133
Warner RobinsProgressive133
WoodstockProgressive133
AlbanyMercury134
AthensSafeco134
GainesvilleSafeco134
MariettaProgressive134
ValdostaNational General134
DaltonLiberty Mutual136
DaltonNational General136
ValdostaLiberty Mutual136
ValdostaAssuranceAmerica137
DaltonAssuranceAmerica138
AlbanyGEICO140
AlbanyState Auto140
AlpharettaSafeco140
AtlantaUSAA140
ColumbusSafeco140
ValdostaElephant140
AthensMercury141
AugustaSafeco141
DaltonElephant141
GainesvilleMercury141
AlbanyClearcover143
ValdostaDirect Auto143
Warner RobinsSafeco143
DaltonDirect Auto144
MaconAllstate144
MaconMile Auto144
MariettaSafeco144
WoodstockSafeco144
AlpharettaMercury147
ColumbusMercury147
GainesvilleGEICO147
GainesvilleState Auto147
AthensGEICO148
AthensState Auto148
AugustaMercury148
DallasProgressive148
GainesvilleClearcover150
Warner RobinsMercury150
AthensClearcover151
LawrencevilleProgressive151
MariettaMercury151
WoodstockMercury151
AlpharettaGEICO152
AlpharettaState Auto152
ColumbusGEICO152
ColumbusState Auto152
MaconUSAA152
AugustaGEICO154
AugustaState Auto154
SavannahProgressive154
ValdostaGAINSCO154
AlpharettaClearcover155
ColumbusClearcover155
DaltonGAINSCO155
AugustaClearcover157
Warner RobinsGEICO157
Warner RobinsState Auto157
MariettaGEICO158
MariettaState Auto158
WoodstockGEICO158
WoodstockState Auto158
Warner RobinsClearcover160
AtlantaProgressive161
DallasSafeco161
MariettaClearcover161
WoodstockClearcover161
AlbanyLiberty Mutual164
AlbanyNational General164
LawrencevilleSafeco164
AlbanyAssuranceAmerica167
DaltonMidvale Home & Auto168
SavannahSafeco168
ValdostaMidvale Home & Auto168
DallasMercury169
AlbanyElephant171
ValdostaNationwide171
AthensNational General172
DaltonNationwide172
GainesvilleNational General172
LawrencevilleMercury172
AlbanyDirect Auto174
AthensLiberty Mutual174
GainesvilleLiberty Mutual174
AtlantaSafeco175
GainesvilleAssuranceAmerica175
SavannahMercury175
AthensAssuranceAmerica176
DallasGEICO176
DallasState Auto176
MaconProgressive178
AlpharettaLiberty Mutual179
AlpharettaNational General179
ColumbusLiberty Mutual179
ColumbusNational General179
GainesvilleElephant179
LawrencevilleGEICO179
LawrencevilleState Auto179
AthensElephant181
AugustaNational General181
DallasClearcover181
AlpharettaAssuranceAmerica182
AugustaLiberty Mutual182
ColumbusAssuranceAmerica182
LawrencevilleClearcover182
AtlantaMercury184
GainesvilleDirect Auto184
SavannahGEICO184
SavannahState Auto184
Warner RobinsNational General184
AthensDirect Auto185
AugustaAssuranceAmerica185
MariettaNational General185
Warner RobinsLiberty Mutual185
WoodstockNational General185
AlpharettaElephant186
ColumbusElephant186
MariettaLiberty Mutual186
SavannahClearcover186
WoodstockLiberty Mutual186
AlbanyGAINSCO188
Warner RobinsAssuranceAmerica188
AugustaElephant189
MariettaAssuranceAmerica189
WoodstockAssuranceAmerica189
AlpharettaDirect Auto191
ColumbusDirect Auto191
AtlantaGEICO192
AtlantaState Auto192
MaconSafeco192
Warner RobinsElephant192
AugustaDirect Auto193
MariettaElephant193
ValdostaInfinity193
WoodstockElephant193
AtlantaClearcover195
DaltonInfinity195
Warner RobinsDirect Auto196
GainesvilleGAINSCO198
MariettaDirect Auto198
WoodstockDirect Auto198
AthensGAINSCO199
MaconMercury202
AlbanyMidvale Home & Auto203
AlpharettaGAINSCO206
ColumbusGAINSCO206
DallasNational General206
AugustaGAINSCO208
AlbanyNationwide209
DallasLiberty Mutual209
LawrencevilleNational General210
MaconGEICO210
MaconState Auto210
DallasAssuranceAmerica212
LawrencevilleLiberty Mutual212
Warner RobinsGAINSCO212
WoodstockGAINSCO212
MariettaGAINSCO213
ValdostaThe General213
DaltonThe General215
GainesvilleMidvale Home & Auto215
LawrencevilleAssuranceAmerica215
MaconClearcover215
SavannahNational General215
AthensMidvale Home & Auto216
DallasElephant216
SavannahLiberty Mutual216
LawrencevilleElephant219
SavannahAssuranceAmerica219
DallasDirect Auto220
GainesvilleNationwide220
AthensNationwide222
AlpharettaMidvale Home & Auto223
ColumbusMidvale Home & Auto223
AtlantaNational General224
LawrencevilleDirect Auto224
SavannahElephant224
AtlantaLiberty Mutual226
AugustaMidvale Home & Auto226
AlpharettaNationwide229
AtlantaAssuranceAmerica229
ColumbusNationwide229
SavannahDirect Auto229
Warner RobinsMidvale Home & Auto229
WoodstockMidvale Home & Auto230
AugustaNationwide232
MariettaMidvale Home & Auto232
AlbanyInfinity234
AtlantaElephant234
Warner RobinsNationwide234
ValdostaBristol West236
WoodstockNationwide236
MariettaNationwide237
DallasGAINSCO239
DaltonBristol West239
AtlantaDirect Auto240
LawrencevilleGAINSCO241
GainesvilleInfinity247
MaconNational General247
SavannahGAINSCO247
AthensInfinity248
MaconLiberty Mutual248
MaconAssuranceAmerica253
ValdostaForemost254
DaltonForemost256
AlpharettaInfinity257
ColumbusInfinity257
AtlantaGAINSCO258
DallasMidvale Home & Auto258
MaconElephant258
AlbanyThe General260
AugustaInfinity260
LawrencevilleMidvale Home & Auto263
DallasNationwide264
MaconDirect Auto264
Warner RobinsInfinity264
WoodstockInfinity265
MariettaInfinity267
LawrencevilleNationwide268
SavannahMidvale Home & Auto268
GainesvilleThe General274
AthensThe General275
SavannahNationwide275
AtlantaMidvale Home & Auto281
AlpharettaThe General284
ColumbusThe General284
MaconGAINSCO284
AtlantaNationwide287
AugustaThe General287
AlbanyBristol West288
Warner RobinsThe General292
WoodstockThe General294
MariettaThe General295
DallasInfinity298
LawrencevilleInfinity302
GainesvilleBristol West304
AthensBristol West305
MaconMidvale Home & Auto308
AlbanyForemost309
SavannahInfinity309
AlpharettaBristol West315
ColumbusBristol West315
MaconNationwide316
AugustaBristol West319
AtlantaInfinity323
Warner RobinsBristol West323
GainesvilleForemost325
WoodstockBristol West326
AthensForemost328
MariettaBristol West328
DallasThe General329
LawrencevilleThe General333
AlpharettaForemost339
ColumbusForemost339
AugustaForemost342
SavannahThe General342
Warner RobinsForemost347
WoodstockForemost349
MariettaForemost352
MaconInfinity354
AtlantaThe General357
DallasBristol West364
LawrencevilleBristol West370
DallasForemost391
MaconThe General392
LawrencevilleForemost397
SavannahForemost407
AtlantaForemost425
MaconForemost467
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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How SR-22 insurance affects driving record and future rates in Georgia

You’ll likely see your premiums increase when you file an SR-22. The average monthly premium that drivers with SR-22 insurance in Georgia pay is $318 for full coverage. The average monthly premium for Georgia drivers without SR-22 insurance is $250 a month.

High-risk drivers likely have higher premiums than drivers with clean driving records, but you can still lower insurance rates while under SR-22 insurance:

  • Improve your credit score. Insurance companies in Georgia can use your credit score to predict your likelihood of filing a claim. The higher your credit score, in theory, the lower your insurance premiums.

  • Ask your insurer about discounts. Your car may have certain safety features that will earn a discount, or you can bundle your auto insurance with your homeowners and bring down the price of both policies.

  • Take a defensive driving course. Some insurers will give you a break on your premiums if you take an approved defensive driving class.

  • Be a safe driver. Practice safe driving habits and avoid further convictions to improve your record slowly over time. Your insurance rates will decrease as negative marks fall off your record.

Georgia SR-22 insurance FAQs

If you need to file an SR-22 in Georgia, here’s some additional information that can help you navigate the process.

  • How long is an SR-22 required in Georgia?

    You have to have an SR-22 or SR-22A on file with Georgia for three years.[1]

  • How do you get rid of an SR-22 in Georgia?

    Time is the only thing that will remove SR-22s in Georgia. You may receive a notice from the Department of Driver Services (DDS), but if you don’t, and it’s been three years, check with the DDS to see if you can drop it. If so, you can tell your insurer to remove the SR-22 from your policy.

  • What happens to your SR-22 in Georgia if you move?

    You should talk to your insurer, but you may still have to file an SR-22 with the Georgia Department of Driver Services until the filing period has ended. Also, the insurance in your new state will need to have the minimum required insurance coverage in Georgia, even if your new state doesn’t require as much coverage. The company you’re insured with will need to be licensed in the new state you live in, as well as in Georgia.[1]

  • Do you need an SR-22 in Georgia if you don’t have a car?

    Yes. If you’re a Georgia resident, a court may decide that you need to file an SR-22, even if you don’t own a car. The coverage will protect you in case you rent a car or borrow somebody’s car and cause property damage or injury to somebody else.[1]

Sources

  1. Georgia Department of Driver Services. "Reinstate License."
  2. III. "What's the difference between auto policy cancellation and nonrenewal?."
  3. III. "What determines the price of an auto insurance policy?."
Geoff Williams
Geoff Williams

Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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