National General SR-22 Insurance — Georgia
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National General SR-22 After Georgia DUI
You received a DUI conviction in Georgia and the Department of Driver Services sent you a reinstatement letter listing SR-22 proof of financial responsibility as a requirement. You searched National General because you saw their name on comparison sites or received mail from them. Whether National General will quote you depends on two structural facts: how many months have passed since your conviction date, and whether you currently own a vehicle titled in your name.
National General operates as a standard-tier carrier under the Allstate group with dedicated post-DUI underwriting lanes. Georgia requires SR-22 filing for three years from the date your policy binds, not from the conviction date. The filing period runs concurrently with your reinstatement window — you cannot shorten it by waiting to file. This article walks the specific National General eligibility path for Georgia DUI cases, explains how vehicle ownership affects your quote path, names the cost structure you face, and shows you what happens if National General declines to quote.
“National General's post-DUI underwriting assigns you to titled-vehicle or non-owner lanes based on DMV registration records, not what you tell the agent.”
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Georgia SR-22 Filing Period
Georgia requires continuous SR-22 filing for three years after DUI conviction under O.C.G.A. § 40-5-57. The three-year period starts when your SR-22 policy binds, not when you were convicted. Any lapse in coverage during the three years resets the clock and triggers automatic license re-suspension.
O.C.G.A. § 40-5-57
National General Writes Two DUI Products
National General underwrites Georgia SR-22 cases through two product lines determined by vehicle ownership. If you own a vehicle titled in your name, National General quotes you for a standard liability policy with SR-22 endorsement. If you do not own a vehicle, National General routes you to a non-owner SR-22 product with a separate underwriting team and different pricing structure.
The structural difference matters because non-owner policies exclude physical damage coverage by design — you cannot add collision or comprehensive to a non-owner policy even if you want to. Titled-vehicle policies allow you to purchase full coverage if your vehicle is financed or if you want protection beyond the state minimum. National General treats these as separate eligibility tracks, not variations of the same product.
Georgia state minimum liability is $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. National General quotes Georgia minimum on both product lines, but titled-vehicle applicants can increase limits during the quote process. Non-owner applicants are typically restricted to state minimum or one tier above. If you own a vehicle worth more than $5,000 and it is not financed, you can elect liability-only coverage to avoid the collision and comprehensive premiums that double your cost.
National General's post-DUI underwriting assigns you to titled-vehicle or non-owner lanes based on DMV registration records, not what you tell the agent during the quote call.
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What Happens If National General Declines Your Application
National General declines Georgia DUI applicants in specific scenarios: conviction within the past 90 days, multiple DUI convictions within five years, an open suspension for a separate violation at the time you apply, or a commercial driver's license DUI where the violation occurred in a commercial vehicle. If National General declines, the system does not tell you why during the online quote flow — you receive a generic "unable to provide a quote" message.
When National General declines, you are routed to Georgia's non-standard market. Non-standard carriers writing Georgia SR-22 include Progressive, GEICO, Dairyland, The General, Bristol West, Direct Auto, GAINSCO, and Acceptance Insurance. These carriers accept higher-risk profiles National General will not quote. Non-standard premiums run higher than standard-tier premiums, but the structural difference is market access — non-standard carriers will bind your policy where National General will not.
If you are declined by National General and multiple non-standard carriers, Georgia operates an assigned risk plan through the Georgia Automobile Insurance Plan. GAIP assigns you to a participating carrier who must provide you state minimum liability coverage with SR-22 filing. GAIP premiums are the highest in the state because the pool aggregates drivers no voluntary-market carrier will accept. GAIP is your last-resort option, not your first call.
$200
Georgia Reinstatement Fee
Georgia charges a $200 reinstatement fee for DUI-related license suspensions, paid to the Department of Driver Services before your driving privileges are restored. The reinstatement fee is separate from the SR-22 filing fee and separate from your insurance premium. You pay this fee once, at the end of your suspension period, when you apply for reinstatement.
Georgia Department of Driver Services
Non-Owner SR-22 Through National General
If you do not own a vehicle, National General writes non-owner SR-22 policies in Georgia. A non-owner policy provides liability coverage when you drive a vehicle you do not own — a borrowed car, a rental, or a vehicle titled to a household member. The policy does not cover a vehicle you own, a vehicle registered to you, or a vehicle available for your regular use.
Non-owner SR-22 satisfies Georgia's proof of financial responsibility requirement without requiring you to purchase a vehicle. This matters if you lost your car after the DUI conviction, if you rely on public transit or rideshare, or if you are waiting to purchase a vehicle until after your SR-22 period ends. National General's non-owner product includes the SR-22 endorsement at no additional filing fee in some cases; confirm this during the quote process because fee structures vary by underwriting year.
Compare National General Against the Georgia SR-22 Market
National General is one of fifteen carriers writing SR-22 policies in Georgia after DUI convictions. Your cost varies by carrier because each uses proprietary DUI surcharge formulas, county risk tiers, and claims history weighting. Progressive, GEICO, State Farm, and Dairyland all write Georgia DUI cases; rate spreads between the lowest and highest quote can exceed 40 percent for identical coverage and driver profile.
Request quotes from at least four carriers before you bind. National General may deliver the lowest quote for your profile, or it may come in 30 percent higher than a non-standard carrier you have never heard of. The SR-22 filing itself is identical across carriers — Georgia DDS receives the same certificate regardless of who issues it. Your job is to find the carrier that will quote you at the lowest defensible rate while maintaining the filing for three years without lapse. Compare National General's quote against the field, then bind with the carrier that meets both price and reliability thresholds.
How National General Prices Georgia DUI Cases
National General uses a tiered surcharge system: first year post-conviction applies the highest multiplier, second year applies a reduced multiplier, third year applies the lowest multiplier. The actual multiplier values are proprietary and vary by your county, age, and whether you had prior violations within five years of the DUI. Fulton, DeKalb, Gwinnett, and Cobb counties face higher base rates than rural Georgia counties due to claims frequency data.
The SR-22 filing fee itself is separate from the premium. National General charges a one-time filing fee set by the carrier and Georgia filing requirements; this fee is not regulated by the state and varies by carrier. The filing fee is paid once when the policy binds. Some carriers waive the fee if you purchase a twelve-month policy paid in full; National General does not publicly advertise this option but agents may offer it during the quote process if you ask directly.
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Get My Georgia SR-22 Auto Insurance QuoteFrequently Asked Questions
Does National General require a down payment for SR-22 policies in Georgia?
National General typically requires a down payment equal to the first month's premium plus the SR-22 filing fee when you bind the policy. Some applicants qualify for a reduced down payment if they purchase a six-month or twelve-month policy paid in full. Down payment terms vary by your credit tier and whether you had a prior policy lapse within the past six months.
Can I cancel my National General SR-22 policy before the three-year filing period ends?
You can cancel your National General policy at any time, but National General is required to notify Georgia DDS of the cancellation within ten business days. DDS will suspend your license immediately upon receiving the cancellation notice unless you have already replaced the policy with another carrier's SR-22 filing. The three-year SR-22 clock resets if your coverage lapses for any period, even one day.
Will National General insure me if I have a DUI and a suspended license right now?
National General will quote you while your license is suspended, but the policy will not bind until you complete Georgia's reinstatement process and your driving privileges are restored. You must pay the $200 reinstatement fee, complete any court-ordered DUI Risk Reduction Program, and submit proof of SR-22 filing to DDS before your suspension is lifted. National General can issue the SR-22 certificate while you are still suspended so you have the document ready for reinstatement.
Does National General offer payment plans for Georgia SR-22 policies?
National General offers monthly payment plans for Georgia SR-22 policies with an installment fee added to each monthly payment. The installment fee varies by your credit tier and total premium. Paying the full six-month or twelve-month premium up front eliminates the installment fees and may reduce your effective annual cost by 8 to 12 percent depending on the fee structure National General applies to your profile.
What happens if I move out of Georgia during my SR-22 filing period with National General?
If you move to another state during your three-year Georgia SR-22 period, you must maintain continuous SR-22 filing with your new state's Department of Motor Vehicles if the new state recognizes out-of-state SR-22 obligations. National General writes policies in 43 states, so you may be able to transfer your policy to your new state. Contact National General before you move to confirm whether they write SR-22 policies in your destination state and whether your Georgia filing obligation transfers.
Can I add collision and comprehensive coverage to a National General non-owner SR-22 policy?
No. Non-owner SR-22 policies provide liability coverage only and exclude physical damage coverage by design. If you want collision and comprehensive coverage, you must own a vehicle titled in your name and purchase a standard titled-vehicle SR-22 policy. National General will not add physical damage coverage to a non-owner policy even if you request it.