Georgia SR-22 Insurance After Filing Ends
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Georgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$200
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
Drivers with DUI convictions, license suspensions for points accumulation, or at-fault accidents while uninsured typically must file SR-22 certificates with the Georgia Department of Driver Services for 3 years. Once your SR-22 filing period ends, your violation remains on your driving record and continues affecting rates — but you can now shop carriers that don't accept active SR-22 filers.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in Georgia
$316–$423/mo
Typical monthly rate in Georgia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Limited Driving Permit
application fee $32.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Georgia's 25/50/25 minimum is required, but post-SR22 drivers should consider 50/100/50 or higher to protect assets from lawsuit judgments.
Full Coverage
Combines liability, comprehensive, and collision for complete protection. Essential for financed vehicles and recommended for post-SR22 drivers with cars worth more than $5,000.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver hits you. Not required in Georgia, but strongly recommended given the state's uninsured driver rate.
Comprehensive Coverage
Covers non-collision damage to your vehicle including theft, vandalism, hail, and animal strikes. Optional unless you finance your vehicle.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Required by lenders, optional for owned vehicles.
SR-22 Insurance
High-risk auto insurance with SR-22 certificate filing for drivers who still have active filing requirements. Not relevant if your SR-22 period has ended.