Infinity Writes SR-22 in Georgia for DUI Convictions
Infinity Insurance files SR-22 certificates in Georgia. The carrier operates in the non-standard tier, writing policies for drivers the Department of Driver Services classifies as high-risk after DUI convictions. Georgia requires SR-22 filing for three years following a DUI conviction, measured from the conviction date. Infinity underwrites both owner policies (when you have a vehicle titled in your name) and non-owner policies (when you sold your car post-arrest or never owned one).
The question is not whether Infinity files SR-22 in Georgia — they do. The question is whether they will underwrite your specific situation. Non-standard carriers segment acceptance by conviction recency, prior insurance lapses, and whether you need owner or non-owner coverage. Infinity's underwriting guidelines are not published, but Georgia drivers report acceptance for first-offense DUI convictions with clean prior records. Second-offense DUI, multiple suspensions within three years, or conviction dates less than 30 days old narrow acceptance significantly.
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Get Your Free QuoteGeorgia SR-22 Filing Period
3 years
Georgia DUI convictions trigger a mandatory three-year SR-22 filing period under O.C.G.A. § 40-5-57. The clock starts on your conviction date, not your filing date. Filing late extends the period by the delay.
O.C.G.A. § 40-5-57
SR-22 Filing Does Not Mean You Stay With Infinity
Georgia suspended drivers confuse the SR-22 filing requirement with carrier lock-in. You are not trapped with Infinity for three years because they filed your SR-22. The filing is a certificate your carrier submits to DDS proving you carry liability coverage at state minimums: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Any carrier licensed to write auto insurance in Georgia can file SR-22. Infinity is one of seven non-standard carriers writing SR-22 policies in-state.
The structural reality: you pay for the tier reclassification, not the SR-22 filing. Infinity charges a one-time filing fee (typically $25 to $50, set by the carrier) to submit the certificate. The premium increase comes from moving into the non-standard tier where only carriers willing to underwrite high-risk drivers compete. That tier jump produces 60% to 90% premium increases compared to standard-tier rates. The filing fee is noise. The tier is the cost.
You can switch carriers mid-filing period. Your new carrier files an SR-22 with DDS; your old carrier files an SR-26 cancellation notice. As long as there is no gap between the cancellation and the new filing, your three-year clock continues without interruption. Most suspended drivers do not realize this and stay with their first SR-22 carrier for the full period, often paying more than necessary.
Infinity writes non-owner SR-22 in Georgia, but acceptance for non-owner policies is narrower than owner policies — fewer carriers compete for non-owner business and underwriting is stricter.
Non-Owner SR-22 Availability Narrows Carrier Choice
Infinity writes non-owner SR-22 policies in Georgia, but not all non-standard carriers do. Of the seven non-standard carriers writing SR-22 in-state, only five write non-owner policies: Infinity, Progressive, Dairyland, The General, and Bristol West. GAINSCO and Direct Auto write owner SR-22 only.
Non-owner underwriting is stricter. Carriers assume drivers without vehicles pose higher risk — either financial hardship that led to selling the car, or a pattern of violations that makes vehicle ownership impractical. Infinity's non-owner acceptance reportedly tightens for convictions less than 60 days old and for drivers with prior insurance lapses exceeding 90 days. If Infinity declines your non-owner application, compare Dairyland and The General next — both write Georgia non-owner SR-22 with broader acceptance windows than Progressive or Bristol West.
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Georgia DUI Reinstatement Requires SR-22 Plus Fees
SR-22 filing is one component of Georgia DUI reinstatement. Georgia suspends licenses for 12 months minimum on a first DUI conviction. You can apply for a Limited Driving Permit (Georgia's hardship license) immediately after conviction, which allows driving to work, school, medical appointments, and DUI program classes while your suspension runs.
The Limited Driving Permit requires SR-22 filing before DDS will issue it. This is where Infinity or another non-standard carrier enters the process. The permit is valid for the remainder of your suspension period. Once your suspension ends and you complete the DUI program, you pay the $200 reinstatement fee and your full driving privileges restore.
Most suspended drivers do not realize the Limited Driving Permit lets them drive immediately. They assume suspension means no driving for 12 months. Georgia law allows restricted driving during suspension for first-offense DUI convictions. The permit is not automatic — you must apply, pay the fee, and maintain SR-22 coverage for the permit's duration — but it removes the total driving prohibition most drivers fear.
Georgia Reinstatement Fee
$200
Georgia charges a flat $200 reinstatement fee for DUI-related suspensions, paid to DDS after your suspension period ends and you complete all court-ordered requirements. This fee is separate from the SR-22 filing fee your carrier charges.
Georgia Department of Driver Services
Compare Carriers Before You Commit
Infinity is one option. Georgia has seven non-standard carriers writing SR-22 policies in-state: Infinity, Progressive, Dairyland, The General, GAINSCO, Bristol West, and Direct Auto. The tier is non-negotiable — all seven operate in the non-standard space — but pricing within that tier varies significantly by carrier underwriting models and loss experience.
Non-standard carriers use different rating factors. Some weight conviction recency heavily; others weight prior insurance history or vehicle type more. Infinity's pricing model is not transparent, but Georgia drivers report competitive quotes for first-offense DUI convictions with clean prior records and newer vehicles. Drivers with older vehicles, prior lapses, or multiple violations within three years report better pricing from Dairyland and The General. The only way to know is to compare quotes from at least three carriers writing your specific filing type.
Get Quotes From Carriers Writing Your Filing Type
Start with carriers confirmed to write SR-22 in Georgia. If you need non-owner coverage, narrow your list to the five carriers writing that product: Infinity, Progressive, Dairyland, The General, and Bristol West. If you own a vehicle, all seven non-standard carriers are options. Request quotes with identical liability limits so you compare pricing directly. Confirm the limit requirement before quoting.
Expect the first carrier to take 24 to 48 hours to return a bindable quote. Non-standard underwriting is manual — underwriters review your driving record, conviction details, and prior insurance history individually. Automated quoting does not exist in this tier. Once you bind coverage, your carrier files SR-22 with DDS electronically within one business day. DDS processes the filing within 24 hours and updates your record. You can verify filing status on the DDS website using your license number. Take the filing confirmation to your DDS Customer Service Center if you are applying for a Limited Driving Permit, or wait for your suspension period to end if you are not seeking restricted driving privileges.