Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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Don’t Forget These Facts

  • SR-22 insurance in Georgia is a requirement if you are a high-risk driver
  • SR-22 insurance is a form that shows the state that you carry at least the minimum amount of insurance required
  • Your insurance company will file the form for you

SR-22 insurance in Georgia is a form sometimes called an SR-22 financial responsibility insurance form. It is a special type of insurance form that shows Georgia authorities the driver of a motor vehicle is financially responsible for carrying continuous car insurance with at least the minimum amount of liability coverage for the state.

The SR-22 form needs to be filed with the Georgia Department of Motor Vehicles so that they are confident that the driver is covered and can drive safely. The car insurance company and the driver are responsible for filing the SR-22 form with the state.

If you have to have SR-22 insurance, you will be paying much more for your car insurance than a driver with a clean driving record. That doesn’t mean that you are stuck with just one option, though. Cheap SR-22 insurance is available.

The best way to get car insurance that you can afford is to compare Georgia SR-22 insurance quotes. Enter your ZIP to receive quotes to find the cheapest SR-22 insurance in Georgia.

Who Needs Georgia SR-22 Insurance

First – – what is SR-22 insurance? The SR-22 form is usually required if you are considered a high-risk driver. Drivers who have had multiple accidents, traffic tickets, a DUI, or failed to have car insurance are all considered high-risk, meaning the likelihood of an insurance company having to payout is high.

Does Georgia require SR-22 insurance? In Georgia, SR-22 car insurance needs to be filed by drivers who are considered “high risk.” These drivers are those who have received multiple moving violations, been involved in multiple accidents, or received a citation for a serious accident like a DUI.

In Georgia, SR 22 auto insurance forms are required for drivers who have been convicted of a DUI or have had their license suspended for driving without insurance, for having multiple violations or serious violations like reckless driving.

The state requires that these high-risk drivers file the Georgia SR-22 Insurance Certificate to prove that they are financially responsible for holding continuous auto insurance coverage. If you fail to pay for your insurance while carrying the SR22, your license will be suspended.

Six major factors affect car insurance rates in Georgia. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a GA DUI conviction.

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How long do you have to carry SR-22 insurance in Georgia? You have to carry this insurance form for three years. That is a long time to be paying higher rates.

Just how much is SR-22 insurance on average? There are many factors that go into determining the average cost of SR-22 insurance. Let’s look at what high-risk driving does to your car insurance costs.

This table shows you just how much one accident or DUI can increase your rates in Georgia.

Average Annual Rates in Georgia Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Liberty Mutual$7,632.75$10,428.16$11,988.03$10,164.83
State Farm$3,084.80$3,684.98$3,384.88$3,384.88
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So what does Georgia SR-22 insurance cost and how much does an SR-22 make your insurance go up? Average monthly rates for a clean driving record in Georgia is $322, but one DUI takes that up to $506. And that doesn’t include any extra fees associated with SR22.

Watch this video to learn how your car insurance company actually views your driving record.

It’s also important to note that not all car insurance companies will offer SR-22 insurance. These companies don’t want to take on high-risk drivers since it is very likely the company will have to pay a claim at some point.

While large companies like Progressive, The General, and Geico offer SR-22 insurance, other companies, like Serenity Insurance, specialize in SR22. It’s important to shop around to find the cheapest SR-22 insurance in Georgia so make sure to compare quotes from different types of companies. 

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Different Types of Georgia SR-22 Forms

There are three basic types of Georgia SR-22 car insurance forms, called certificates.

The owner of the car needs an SR-22 Owner’s Certificate that shows the financial responsibility of the owner of the vehicle. This shows the state that should that driver be in an accident in that car, at least the minimum car insurance is in place. This is the certificate that most drivers will have.

It is also possible to get nonowner SR-22 insurance in Georgia.

The SR-22 Operator’s Certificate proves the financial responsibility of the operator of a vehicle if they do not own a vehicle. This would be needed if you do not own your own car but routinely borrow a car from a friend or family member, for example.

If you driver someone else’s car and don’t have nonowners insurance, you would be responsible for any damages from an accident you caused.

There is also an Operator-Owner’s Certificate that covers the driver and all the vehicles they drive, whether or not they own those vehicles. This type of certificate would cover you if you have your own car but sometimes drive someone else’s car, like your parent’s car.

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SR-22 Car Insurance is Required in Georgia

AAA states that each state sets its own car insurance requirements. All states, except New Hampshire, require drivers to carry some form of car insurance and penalties can be hefty for not doing so.

As for Georgia SR-22 insurance requirements, Georgia is very strict about their car insurance laws, and the Georgia State Department of Motor Vehicles does require drivers who have received serious moving violations or received a DUI conviction to file a Georgia SR-22 certificate.

You can also be required to carry SR-22 insurance in Georgia if you have been caught driving without insurance. This way the state is certain that you will no longer be driving uninsured, at least during the three years you have to carry SR-22 insurance.

Typically, you have to pay for the insurance at least six months at a time. Most companies won’t let you pay by the month.

The Insurance Information Institute estimates that 12 percent of Georgia drivers don’t have car insurance. That’s only slightly lower than the US average of 13 percent.

If you are in an accident with an uninsured driver, you might not be able to have all of your damages covered. This would leave you paying out of pocket for damages and medical bills.

Drivers have the option of adding coverage to their car insurance in case they are hit by an uninsured driver. Considering how many drivers are uninsured in Georgia, this might not be a bad coverage to add to your policy.

Can I get an SR-22 without having car insurance? No, you must carry car insurance if you are a driver in Georgia.

The Georgia SR-22 car insurance form should show that the driver has at least the state minimum amount of coverage. In Georgia, this is $25,000 per person per accident, $50,000 for more than one person per accident, and $25,000 in property damage liability car insurance.

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Filing a Georgia SR-22 Insurance Form

How do you get SR-22 insurance? How is the form filed? Once you have chosen a car insurance company and acquired the SR-22 coverage, your insurance company normally takes over.

The car insurance company usually files the SR-22 form with the Georgia DMV, but you have to request that it be filed when you purchase your Georgia car insurance coverage.

Often, a processing fee is also associated with an SR-22 form, but this can be included in your premium. The filing fee is usually only $15 or $30. The car insurance is where you will feel the biggest hit to your wallet.

Just like with regular car insurance, different companies will charge different rates for SR-22 insurance. Your best option is to compare quotes from many companies to make sure you are getting the best deal.

To find low-cost SR-22 insurance in Georgia, you can start by entering your ZIP for a free online quote!


  1. https://drivinglaws.aaa.com/tag/liability-laws/
  2. https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists