After SR-22 Insurance
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Georgia SR-22 Insurance After License Reinstatement

Your SR-22 requirement typically ends after 3 years in Georgia, but the violation stays on your driving record for up to 7 years. Post-SR22 rates typically range $140–$280/mo in the first year after filing ends—significantly lower than non-standard rates, though full recovery to clean-record pricing takes 3–5 years. You'll need to proactively shop with standard carriers who compete for post-SR22 drivers.

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Updated April 2026

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.

State Minimum Post-SR22
Liability-only coverage at Georgia's 25/50/25 minimums immediately after SR-22 requirement ends. Available from standard carriers for drivers with single violations and clean driving during the SR-22 period.
Standard Post-SR22
50/100/50 liability limits plus uninsured motorist coverage for post-SR22 drivers with one major violation aged 3+ years. Represents the typical middle ground for drivers transitioning back to standard carriers.
Full Coverage Post-SR22
Full coverage with 100/300/100 limits, comprehensive, collision with $500–$1,000 deductible, and UM/UIM for post-SR22 drivers with financed vehicles or newer cars. Rates assume 3+ years since violation and no additional incidents during SR-22 period.

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

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Atlanta

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Columbus

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Augusta

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Macon

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Savannah

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Athens

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Sandy Springs

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Roswell

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Johns Creek

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Warner Robins

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Albany

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White Orthodox monastery with twin bell towers, red tile roof, and arched colonnade under blue sky

Alpharetta

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Sources

  • Georgia Department of Driver Services - dds.georgia.gov
  • Georgia Office of Insurance and Safety Fire Commissioner - oci.ga.gov
  • Official Code of Georgia Annotated (O.C.G.A.) Title 40 - Motor Vehicles and Traffic

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