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 October 30, 2024

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Cheapest recent rates in Georgia for drivers with an SR-22

Recent Georgia car insurance prices for Nissan, Mazda, Mercedes Benz , and more.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote: Liability Only
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners$769
State Farm$829
COUNTRY Financial$839
Allstate$909
USAA$969
Mile Auto$968
Progressive$1188
Safeco$1268
GEICO$1329
Mercury$1438
Clearcover$1627
Elephant$1758
Liberty Mutual$1808
Direct Auto$1857
AssuranceAmerica$1955
Nationwide$1989
GAINSCO$2007
National General$2257
Infinity$2660
The General$2747
Bristol West$2935
Foremost$3287
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: Sunday, September 1 at 12:00 PM PDT
City Name
Insurance Company
Average Monthly Quote: Liability Only
DaltonAuto-Owners$58
DaltonState Farm$62
DaltonCOUNTRY Financial$63
ValdostaAuto-Owners$63
DaltonAllstate$67
DaltonMile Auto$68
ValdostaCOUNTRY Financial$68
ValdostaState Farm$68
DaltonUSAA$72
AthensAuto-Owners$73
ValdostaAllstate$73
AlbanyAuto-Owners$74
ValdostaMile Auto$74
AthensState Farm$78
AugustaAuto-Owners$78
GainesvilleAuto-Owners$78
ValdostaUSAA$78
AlbanyState Farm$80
AthensCOUNTRY Financial$80
AlbanyCOUNTRY Financial$81
ColumbusAuto-Owners$81
Warner RobinsAuto-Owners$82
DaltonProgressive$83
AthensAllstate$85
AugustaState Farm$85
GainesvilleState Farm$85
AthensMile Auto$86
AugustaCOUNTRY Financial$86
GainesvilleCOUNTRY Financial$86
AlbanyAllstate$87
ColumbusState Farm$87
DallasAuto-Owners$87
WoodstockAuto-Owners$87
AlbanyMile Auto$89
ColumbusCOUNTRY Financial$89
DaltonSafeco$89
Warner RobinsState Farm$89
MariettaAuto-Owners$90
Warner RobinsCOUNTRY Financial$90
AthensUSAA$91
ValdostaProgressive$91
AlbanyUSAA$92
AugustaAllstate$92
GainesvilleAllstate$92
GainesvilleMile Auto$92
AugustaMile Auto$94
LawrencevilleAuto-Owners$94
SavannahAuto-Owners$94
WoodstockState Farm$94
AlpharettaAuto-Owners$95
ColumbusAllstate$95
DallasState Farm$95
WoodstockCOUNTRY Financial$95
ColumbusMile Auto$96
DallasCOUNTRY Financial$96
MariettaState Farm$96
ValdostaSafeco$96
Warner RobinsAllstate$96
GainesvilleUSAA$98
MariettaCOUNTRY Financial$98
Warner RobinsMile Auto$98
AugustaUSAA$99
DaltonGEICO$100
SavannahState Farm$100
ColumbusUSAA$101
LawrencevilleState Farm$101
SavannahCOUNTRY Financial$101
AlpharettaState Farm$103
DallasAllstate$103
DaltonMercury$103
LawrencevilleCOUNTRY Financial$103
Warner RobinsUSAA$103
WoodstockAllstate$103
AlpharettaCOUNTRY Financial$104
DallasMile Auto$104
WoodstockMile Auto$104
AthensProgressive$105
AtlantaAuto-Owners$105
MariettaAllstate$105
MariettaMile Auto$107
AlbanyProgressive$108
MaconAuto-Owners$108
DallasUSAA$109
DaltonClearcover$109
SavannahAllstate$109
ValdostaGEICO$109
WoodstockUSAA$109
LawrencevilleAllstate$110
SavannahMile Auto$110
AlpharettaAllstate$112
AthensSafeco$112
LawrencevilleMile Auto$112
MariettaUSAA$112
AlbanySafeco$113
AlpharettaMile Auto$113
ValdostaMercury$113
AtlantaState Farm$114
AugustaProgressive$114
GainesvilleProgressive$114
AtlantaCOUNTRY Financial$116
MaconState Farm$116
MaconCOUNTRY Financial$117
SavannahUSAA$117
ColumbusProgressive$118
LawrencevilleUSAA$118
ValdostaClearcover$118
AlpharettaUSAA$119
GainesvilleSafeco$119
Warner RobinsProgressive$119
AugustaSafeco$121
AtlantaAllstate$123
ColumbusSafeco$123
DaltonElephant$125
DaltonLiberty Mutual$125
Warner RobinsSafeco$125
AthensGEICO$126
AtlantaMile Auto$126
DaltonDirect Auto$126
MaconAllstate$126
DallasProgressive$127
DaltonAssuranceAmerica$127
MaconMile Auto$127
WoodstockProgressive$127
AlbanyGEICO$128
MariettaProgressive$130
AthensMercury$131
AtlantaUSAA$132
AlbanyMercury$134
MaconUSAA$134
WoodstockSafeco$134
DallasSafeco$135
AugustaGEICO$136
GainesvilleGEICO$136
LawrencevilleProgressive$136
SavannahProgressive$136
ValdostaElephant$136
ValdostaLiberty Mutual$136
AthensClearcover$137
MariettaSafeco$137
ValdostaDirect Auto$137
AlpharettaProgressive$139
DaltonGAINSCO$139
ValdostaAssuranceAmerica$139
AlbanyClearcover$140
ColumbusGEICO$140
AugustaMercury$141
GainesvilleMercury$141
Warner RobinsGEICO$141
SavannahSafeco$143
LawrencevilleSafeco$144
ColumbusMercury$145
DaltonNational General$145
AlpharettaSafeco$146
Warner RobinsMercury$146
GainesvilleClearcover$148
AugustaClearcover$149
DaltonNationwide$149
DallasGEICO$152
ValdostaGAINSCO$152
WoodstockGEICO$152
ColumbusClearcover$153
AtlantaProgressive$154
Warner RobinsClearcover$154
MaconProgressive$155
MariettaGEICO$155
WoodstockMercury$157
AthensElephant$158
AthensLiberty Mutual$158
DallasMercury$158
ValdostaNational General$158
AthensDirect Auto$159
AlbanyElephant$161
AlbanyLiberty Mutual$161
MariettaMercury$161
AlbanyDirect Auto$162
AthensAssuranceAmerica$162
AtlantaSafeco$162
SavannahGEICO$162
ValdostaNationwide$162
LawrencevilleGEICO$163
AlbanyAssuranceAmerica$164
MaconSafeco$164
AlpharettaGEICO$166
DallasClearcover$166
WoodstockClearcover$166
SavannahMercury$167
LawrencevilleMercury$170
MariettaClearcover$170
AlpharettaMercury$171
AugustaElephant$171
AugustaLiberty Mutual$171
GainesvilleDirect Auto$171
GainesvilleElephant$171
GainesvilleLiberty Mutual$171
AugustaDirect Auto$172
GainesvilleAssuranceAmerica$173
AugustaAssuranceAmerica$175
AthensGAINSCO$176
ColumbusElephant$176
ColumbusLiberty Mutual$176
SavannahClearcover$176
ColumbusDirect Auto$177
Warner RobinsElephant$177
Warner RobinsLiberty Mutual$177
LawrencevilleClearcover$179
Warner RobinsDirect Auto$179
AlbanyGAINSCO$180
AlpharettaClearcover$180
ColumbusAssuranceAmerica$180
Warner RobinsAssuranceAmerica$181
AtlantaGEICO$184
DaltonInfinity$184
AthensNational General$185
MaconGEICO$186
AlbanyNational General$188
AthensNationwide$189
AtlantaMercury$190
DallasElephant$190
DallasLiberty Mutual$190
DaltonThe General$190
GainesvilleGAINSCO$190
WoodstockElephant$190
WoodstockLiberty Mutual$190
AugustaGAINSCO$191
DallasDirect Auto$191
WoodstockDirect Auto$191
AlbanyNationwide$193
MaconMercury$193
MariettaElephant$194
MariettaLiberty Mutual$194
WoodstockAssuranceAmerica$194
DallasAssuranceAmerica$195
MariettaDirect Auto$195
ColumbusGAINSCO$197
GainesvilleNational General$198
Warner RobinsGAINSCO$198
AtlantaClearcover$199
AugustaNational General$199
MariettaAssuranceAmerica$199
ValdostaInfinity$199
GainesvilleNationwide$203
MaconClearcover$203
SavannahElephant$203
SavannahLiberty Mutual$203
AugustaNationwide$204
ColumbusNational General$204
LawrencevilleElephant$204
LawrencevilleLiberty Mutual$204
SavannahDirect Auto$204
LawrencevilleDirect Auto$206
AlpharettaElephant$207
AlpharettaLiberty Mutual$207
SavannahAssuranceAmerica$207
ValdostaThe General$207
Warner RobinsNational General$207
AlpharettaDirect Auto$208
ColumbusNationwide$209
LawrencevilleAssuranceAmerica$209
DaltonBristol West$211
AlpharettaAssuranceAmerica$212
DallasGAINSCO$212
Warner RobinsNationwide$212
WoodstockGAINSCO$212
MariettaGAINSCO$217
WoodstockNational General$221
DallasNational General$222
DaltonForemost$226
MariettaNational General$226
SavannahGAINSCO$226
WoodstockNationwide$226
DallasNationwide$227
LawrencevilleGAINSCO$227
ValdostaBristol West$229
AtlantaElephant$230
AtlantaLiberty Mutual$230
AlpharettaGAINSCO$231
AtlantaDirect Auto$231
AthensInfinity$232
MaconElephant$232
MaconLiberty Mutual$232
MariettaNationwide$232
AtlantaAssuranceAmerica$234
MaconDirect Auto$235
AlbanyInfinity$236
SavannahNational General$236
MaconAssuranceAmerica$238
LawrencevilleNational General$239
AthensThe General$240
AlpharettaNational General$241
SavannahNationwide$241
AlbanyThe General$244
LawrencevilleNationwide$244
ValdostaForemost$247
AlpharettaNationwide$248
GainesvilleInfinity$249
AugustaInfinity$252
AtlantaGAINSCO$256
ColumbusInfinity$258
GainesvilleThe General$258
AugustaThe General$259
MaconGAINSCO$259
Warner RobinsInfinity$261
AthensBristol West$266
AtlantaNational General$267
ColumbusThe General$267
Warner RobinsThe General$270
AlbanyBristol West$271
MaconNational General$272
AtlantaNationwide$274
MaconNationwide$279
WoodstockInfinity$279
DallasInfinity$280
MariettaInfinity$285
AthensForemost$286
GainesvilleBristol West$286
AugustaBristol West$288
WoodstockThe General$288
DallasThe General$289
AlbanyForemost$292
ColumbusBristol West$295
MariettaThe General$295
SavannahInfinity$297
Warner RobinsBristol West$299
LawrencevilleInfinity$301
AlpharettaInfinity$304
SavannahThe General$307
GainesvilleForemost$308
AugustaForemost$311
LawrencevilleThe General$311
AlpharettaThe General$315
ColumbusForemost$319
WoodstockBristol West$320
DallasBristol West$321
Warner RobinsForemost$322
MariettaBristol West$328
AtlantaInfinity$337
WoodstockForemost$344
DallasForemost$346
AtlantaThe General$348
MariettaForemost$352
MaconThe General$354
SavannahForemost$367
LawrencevilleForemost$371
AlpharettaForemost$375
AtlantaForemost$416
MaconForemost$423
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 recent rates in Georgia for drivers with an SR-22

Drivers in and around Georgia have found policies from The General, Mile Auto, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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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