Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. 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.
How Much Does Car Insurance Cost in Georgia?
Post-SR22 drivers in Georgia typically pay $140–$280/mo ($1,680–$3,360/year) in the first 12 months after their SR-22 requirement ends—approximately 30–60% lower than active SR-22 rates but still 50–100% above clean-record pricing. Rates drop progressively as the violation ages on your record, with most drivers reaching near-standard pricing 3–5 years post-violation. DUI convictions carry the longest rate impact, while single at-fault accidents or points-based suspensions recover faster.
What Affects Your Rate
- Time since SR-22 requirement ended: rates improve 10–20% each year for the first 3 years post-filing
- 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
- Credit-based insurance score: Georgia allows credit scoring, and post-SR22 drivers with good credit (700+) see 20–40% lower rates than those with poor credit
- Vehicle type and age: older vehicles with liability-only coverage reduce premiums by 30–50% compared to full coverage on financed newer models
- Geographic location: metro Atlanta post-SR22 rates run 15–25% higher than rural Georgia due to claim frequency and uninsured motorist rates
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 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.
