Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25 ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). 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.
How Much Does Car Insurance Cost in Georgia?
After completing your Georgia SR-22 requirement, your insurance costs remain elevated but begin declining as time passes. Post-SR22 drivers in Georgia typically pay $165–$295/mo for full coverage immediately after filing ends, compared to $110–$165/mo for clean-record drivers. Your rate trajectory depends primarily on violation type, time since the violation date, and how aggressively you shop carriers.
What Affects Your Rate
- Violation type — DUI convictions typically cost $80–$140/mo more than single at-fault accidents for the first 3 years after SR-22 completion
- Time since violation date — rates drop approximately 15-25% at the 3-year mark, another 10-20% at 5 years, with full recovery at 7-10 years depending on severity
- Carrier willingness — standard carriers become available 1-2 years after SR-22 ends, offering rates 20-40% lower than non-standard carriers who insured you during filing
- Shopping frequency — post-SR22 drivers who compare quotes every 6 months save an average of $400–$900/year compared to those who stay with their SR-22-period carrier
- Metro area — Atlanta drivers pay 25-35% more than rural Georgia drivers due to density, theft rates, and litigation costs
- Credit-based insurance score — Georgia allows credit scoring, and post-SR22 drivers with poor credit pay 40-70% more than those with excellent credit for identical coverage
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage 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.
