Georgia SR-22 Insurance After License Reinstatement
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Find Affordable Coverage 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, at-fault uninsured accidents, or multiple violations typically face SR-22 filing requirements lasting 3 years from the reinstatement date. Once your SR-22 period ends, the Georgia Department of Driver Services releases the filing requirement, but the underlying violation remains on your driving record for 3–7 years depending on offense type. Post-SR22 drivers transitioning back to standard insurance should gather their SR-22 release letter, current policy declarations, and driving history abstract before shopping.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
SR-22 Insurance
Comprehensive 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
What Affects Your Rate
- Violation type: DUI convictions carry 5–7 year rate impact; points-based suspensions recover in 3–4 years
- Driving record during SR-22 period: zero additional violations during the 3-year requirement qualifies you for standard carrier consideration
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage 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 bodily injury and property damage you cause to others in an at-fault accident. Post-SR22 drivers should carry limits above Georgia's 25/50/25 minimum to protect personal assets and demonstrate financial responsibility to standard carriers.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal exposure and vehicle value. Essential for post-SR22 drivers with financed vehicles or those who cannot afford to replace their car out-of-pocket after a total loss.
Comprehensive Coverage
Pays for non-collision vehicle damage including theft, vandalism, weather, fire, and animal strikes. Protects post-SR22 drivers from uninsured gaps caused by total losses outside their control.
Uninsured Motorist Coverage
Covers your medical bills, lost wages, and vehicle damage when hit by a driver with no insurance or insufficient coverage. Georgia requires insurers to offer UM/UIM at the same limits as your liability policy unless rejected in writing.
SR-22 Insurance
State-mandated proof-of-insurance filing submitted by your carrier to the Georgia Department of Driver Services. The filing requirement typically lasts 3 years, and any policy lapse triggers automatic license re-suspension.
Non-Standard Auto Insurance
Coverage for drivers with recent violations, suspensions, or SR-22 requirements who don't qualify for standard carrier rates. Post-SR22 drivers should exit non-standard markets immediately after the filing requirement ends to access lower pricing.