SR-22 in Georgia: What You Need to Know
SR-22 insurance in Georgia certifies that high-risk drivers carry the state-required minimum liability insurance.
Written by Jennifer Yirinec
Reviewed by Kathleen Flear
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In Georgia, an SR-22 is a certificate of financial responsibility that guarantees you hold the state minimum required liability insurance. Although it is often called "SR-22 insurance," it’s not actually an insurance policy—it’s a document that your auto insurance provider files with the Department of Driver Services.
SR-22 penalties are issued in Georgia to drivers with serious or repeated offenses. For this reason, having one on your record will probably increase your insurance premium. But don’t worry—
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What is an SR-22 in Georgia?
An SR-22 is a Safety Responsibility Insurance Certificate that Georgia drivers who have been deemed "high risk" must obtain in order to drive legally. Issued by your auto insurance provider, this legal document provides proof that you carry Georgia’s minimum
liability car insurance
, in addition to personal injury protection
(PIP).Georgia’s coverage minimums for SR-22 insurance are the following:
- Property damage liability: $25,000 per accident
- Bodily injury liability: $25,000 per person / $50,000 per accident
Who needs it?
You might need an SR-22 certificate in Georgia if you have one of the following offenses on your record:
- Driving without the state minimum-required insurance
- Reckless or distracted driving
- Severe or excessive driving violations
Georgia is one of three states (along with
Texas
and Missouri
) that offers SR-22As in addition to SR-22s. SR-22As are required for habitual offenders—typically, for drivers who have had three or more violations within a five-year period or for those with more serious violations that resulted in misdemeanor or felony charges (such as a DUI or DWI). An SR-22, or Financial Responsibility for the Future Certificate, is required for drivers with minor or fewer offenses—generally, one to two violations over a period of five years.
Drivers who need SR-22 or SR-22A coverage will be notified by the state or a court of law.
Key Takeaway In Georgia, SR-22 certificates are required for drivers with low-level offenses, while SR-22As are for drivers with serious or repeat violations on their record.
How to get it
You can get SR-22 insurance in Georgia through your auto insurance provider.
When you obtain the minimum liability coverage, your insurer will submit the Definition of an SR-22 form to Georgia’s Department of Driver Services.
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How much does it cost?
Filing an SR-22 certificate in Georgia entails a one-time fee of $15 to $35.
While the flat fee for an SR-22 is low, this penalty will very likely raise your insurance premiums. Just how much of an increase you see will depend on the following:
- Severity and amount of previous offenses
- Vehicle age and type
- Driving amount
- Location
- Age
- Marital status
- Education
- Occupation
How an SR-22 impacts your insurance in Georgia
An SR-22 or SR-22A penalty in Georgia will most certainly raise your insurance premiums. Luckily, you have some options for reducing the cost of your policy:
- Compare quotes from multiple providers: Because different insurance companies will quote you different rates for SR-22 insurance, it’s important to shop around for the best deal. Find thecheapest car insurancepolicy withJerry, an app that automatically compares quotes from the top 50 insurance companies in the nation to find you the best price.
- Change the way you drive: Drive less, drive a cheaper vehicle, or drive a car that is not registered under your name so that you can pay for one of the cheaper SR-22 options, such as the non-owner’s certificate.
- Check for discounts: Sometimes you can reduce your premiums by taking a DUI or defensive driving course or by paying in full for your policy up front. However, you might not get a discount for lump-sum payments for an SR-22A, which must be paid in full for six months at a time.
In Georgia, an SR-22 penalty lasts for three to five consecutive years, depending on the offense involved. If your
insurance lapses
during this period, your provider is required to notify the state and your license will be suspended until you reinstate your insurance.Key Takeaway An SR-22 penalty will likely raise your insurance premiums, but you can save money by comparing car insurance quotes online with Jerry.
How to find cheap car insurance
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