Infinity SR-22 Filing Sits in Non-Standard Tier
You received a Georgia DUI conviction, DDS mailed the SR-22 requirement notice, and you started comparing carriers. Infinity appeared in your search results as a non-standard carrier writing SR-22 policies in Georgia. The quote came back higher than you expected, and you're trying to understand whether the premium reflects the SR-22 filing itself or something structural about how Infinity underwrites high-risk drivers.
Infinity operates as a non-standard auto carrier — it writes drivers standard-tier carriers decline. The SR-22 filing fee Infinity charges is $25–$50, a one-time carrier-set amount that appears on your first bill. The premium itself reflects non-standard tier pricing, where Georgia DUI convictions push rates 60–90% above clean-record baselines. You're not paying for the filing; you're paying for the tier reclassification the DUI triggered.
Compare car insurance rates in your state
Get quotes from licensed carriers — no obligation, no spam, results in minutes.
Get Your Free QuoteGeorgia High-Risk Monthly Premium
$316–$423/mo
Georgia drivers in non-standard tier after DUI conviction face monthly premiums 60–90% above clean-record rates. Infinity writes this tier; standard carriers like State Farm and Allstate typically decline SR-22 business entirely or exit after filing.
ValuePenguin + Insurify after-DUI by-state analysis, 2026
Georgia SR-22 Requires 3-Year Continuous Filing
Georgia DUI convictions trigger a 3-year SR-22 filing period measured from the date DDS receives the initial filing, not the conviction date. Your carrier files the SR-22 electronically with Georgia DDS, and DDS tracks the filing status continuously. If your policy lapses or cancels at any point during the 3-year window, the carrier files an SR-26 cancellation notice with DDS within 10 days, and DDS suspends your license immediately.
The filing period does not pause during suspension. If you were suspended for 180 days and filed SR-22 on day one of that suspension, you still owe 3 years from the filing date — the suspension period counts toward the 3-year clock. Most Georgia suspended drivers assume the SR-22 period starts after reinstatement; it starts the day the carrier files.
Infinity maintains the SR-22 filing for as long as you keep the policy active. The structural question is whether Infinity keeps you as a customer after the 3-year filing period ends, or whether you need to shop again at year three to exit non-standard tier pricing. Standard-tier carriers writing SR-22 (State Farm, USAA) typically retain customers post-filing if the driving record stays clean. Non-standard carriers segment: some write only the filing period, others retain long-term if you stay claims-free.
Infinity's non-standard tier placement means your premium reflects underwriting risk, not filing paperwork — the $25–$50 SR-22 fee is noise compared to the 60–90% tier premium jump.
Infinity Payment Structure Adds Installment Fees
Non-standard carriers writing high-risk SR-22 business charge higher installment fees to offset the increased lapse risk in this customer segment.
Paying every six months eliminates the installment fee but requires a larger upfront payment. Infinity's specific down-payment and installment structure varies by underwriting tier — request a full payment-plan breakdown before committing.
Related Articles
Compare Infinity Against Other Non-Standard SR-22 Writers
Infinity competes in Georgia's non-standard SR-22 market with Bristol West, Dairyland, The General, Direct Auto, GAINSCO, and National General. All seven carriers write Georgia SR-22 policies for DUI convictions; all seven operate in non-standard or standard-tier segments willing to underwrite high-risk drivers.
Standard-tier carriers writing Georgia SR-22 (State Farm, USAA, Progressive, Geico) offer lower premiums but stricter underwriting — many decline second-DUI drivers or drivers with recent at-fault crashes. Non-standard carriers accept higher-risk profiles but charge higher base premiums and installment fees.
Request quotes from at least three non-standard carriers and two standard-tier carriers before selecting. State your SR-22 requirement upfront — some carriers quote you as a clean driver, then reprice after discovering the filing. Infinity's quote is one data point; Bristol West, Dairyland, and The General provide comparison anchors in the same tier. Progressive and Geico provide standard-tier benchmarks if your profile qualifies.
Georgia Reinstatement Fee
$200
Georgia DDS charges a $200 base reinstatement fee after license suspension. This fee is separate from the SR-22 filing fee, separate from the insurance premium, and due before DDS reinstates your license. Payment is required even if you maintained insurance during suspension.
Georgia Department of Driver Services reinstatement fee schedule
Non-Owner SR-22 Covers Drivers Without Vehicles
Georgia SR-22 filing does not require you to own a vehicle. If you sold your car after the DUI arrest, or if you rely on rideshare and public transit, a non-owner SR-22 policy satisfies the DDS filing requirement without insuring a vehicle you don't drive. Non-owner policies provide liability coverage when you drive a borrowed or rented vehicle; they do not cover a vehicle you own or regularly use.
Infinity writes non-owner SR-22 policies in Georgia. The SR-22 filing fee ($25–$50) and installment fee structure remain the same; the base premium drops because the policy covers occasional driving, not commuting. If you plan to buy a vehicle during the 3-year filing period, you convert the non-owner policy to an owner policy mid-term without restarting the SR-22 clock.
Get Multiple SR-22 Quotes Before Committing
Infinity is one of seven non-standard carriers writing Georgia SR-22 policies after DUI conviction. The premium you pay for the next three years depends on which carrier you select today.
Request quotes from Infinity, Bristol West, Dairyland, The General, and at least one standard-tier carrier (Progressive or Geico) willing to write your filing. State your DUI conviction date, your SR-22 requirement, and whether you need owner or non-owner coverage. Compare the base premium, the installment fee, the down-payment requirement, and the carrier's retention policy after the filing period ends. The lowest total 3-year cost wins, not the lowest monthly payment with hidden installment fees.