The Question Behind the Search
You searched for companies that write SR-22 insurance in Georgia because you need to file proof of financial responsibility with the Georgia Department of Driver Services after a DUI conviction. The court told you that you need SR-22, you called your current carrier, and they either said no or quoted a rate that doubled your premium. Now you're trying to figure out which carriers will actually write the policy and file the form.
The structural reality: SR-22 is not a separate insurance product. It is a filing — a certificate your carrier submits to DDS proving you carry the state-required minimum liability coverage. The real question is which carriers will write liability insurance for drivers with DUI convictions on their record, because those carriers can then file SR-22 on your behalf. Not every carrier writes policies for high-risk drivers, and the ones that do fall into distinct tiers with different underwriting standards, premium structures, and filing timelines.
Compare car insurance rates in your state
Get quotes from licensed carriers — no obligation, no spam, results in minutes.
Get Your Free QuoteGeorgia SR-22 Writers Confirmed
21 carriers
This count includes carriers confirmed to write SR-22 filings in Georgia across preferred, standard, and non-standard tiers. Some serve only specific driver profiles; others have minimum time-since-violation requirements before they will quote DUI drivers.
Carrier state availability disclosures and NAIC filings, verified February 2025
What SR-22 Filing Actually Means
Georgia requires SR-22 filing for three years following a DUI conviction under O.C.G.A. § 40-5-57. The filing period begins on the date DDS receives the SR-22 certificate, not the date of your conviction or the date you purchase the policy. If your policy lapses or cancels at any point during those three years, your carrier is required to notify DDS electronically within 24 hours, and DDS will suspend your license again immediately.
The SR-22 itself is a one-page form — Georgia uses the standard NAIC SR-22 certificate format — that your carrier files electronically with DDS. Most carriers charge a one-time filing fee to submit the form. That fee is set by the carrier, not the state, and typically ranges from $15 to $50. The filing fee is separate from your premium. The premium is the cost of the liability coverage itself, which will be higher after a DUI because you are now classified as a high-risk driver.
You cannot file SR-22 yourself. Only a licensed insurance carrier authorized to write auto liability coverage in Georgia can submit the certificate to DDS on your behalf. This is why the question 'what companies write SR-22' is really asking 'which carriers will underwrite a liability policy for me given my DUI conviction.'
The blocker: most carriers that write SR-22 will not quote you until a specific waiting period has passed since your DUI conviction date — often 3 to 5 years for preferred and standard carriers.
Carrier Tiers and DUI Underwriting
Non-standard tier carriers specialize in high-risk drivers and will typically quote you immediately after conviction, often within days of reinstatement eligibility. These include Acceptance Insurance, Bristol West, Dairyland, Direct Auto, GAINSCO, Infinity, Kemper, National General, Progressive (non-standard division), The General, and others. Non-standard carriers charge higher base premiums than standard-tier carriers, but they are often the only option available during the first 3-5 years post-conviction. Most non-standard carriers file SR-22 electronically within 1-3 business days of policy binding.
Standard and preferred tier carriers — including State Farm, Geico (standard tier), USAA, Allstate, and others — often impose waiting periods of 3 to 5 years from the DUI conviction date before they will underwrite a new policy. Some will retain existing customers who get a DUI but will not write new business for drivers with recent convictions. If you qualify based on time since violation, standard-tier carriers typically offer lower premiums than non-standard carriers, but eligibility is not guaranteed and varies significantly by carrier underwriting guidelines.
Related Articles
Confirmed Georgia SR-22 Carriers by Tier
The following carriers are confirmed to write SR-22 filings in Georgia as of current state licensing data. Tier classifications reflect typical underwriting posture; actual eligibility depends on your specific violation date, driving history, and the carrier's current appetite for high-risk business.
Non-standard tier: Acceptance Insurance, Bristol West, Dairyland, Direct Auto, GAINSCO, Infinity, Kemper, National General, Progressive (non-standard), The General. These carriers actively market to DUI drivers and will quote policies shortly after reinstatement eligibility. Most offer online quoting; some require broker placement.
Standard tier: Geico, Progressive (standard), Farmers, Nationwide, National General (standard division). These carriers write SR-22 but typically require a waiting period of 3-5 years post-conviction before quoting new DUI drivers. Existing policyholders may retain coverage with SR-22 filing added.
Preferred tier: State Farm, USAA, Auto-Owners, Amica. Preferred carriers write SR-22 for existing customers in some cases, but rarely accept new applicants with DUI convictions on record. USAA is military-affiliated and restricts eligibility to servicemembers and their families. State Farm and Auto-Owners will file SR-22 for long-term customers but have strict underwriting standards for high-risk drivers.
Typical SR-22 Filing Window
1-3 business days
Most Georgia carriers file SR-22 electronically with DDS within this window after policy binding. A few non-standard carriers advertise same-day filing if the policy is bound early in the business day. DDS processes the filing immediately upon receipt, but reinstatement eligibility depends on completing all other suspension requirements first.
Non-Owner SR-22 for Drivers Without Vehicles
If you do not own a vehicle but need SR-22 to reinstate your license — common when your vehicle was sold, totaled, or repossessed during suspension — you need a non-owner SR-22 policy. This is a liability-only policy that covers you when driving a vehicle you do not own, such as a borrowed car or a rental. Georgia accepts non-owner SR-22 filings for reinstatement purposes.
Carriers confirmed to write non-owner SR-22 policies in Georgia include Dairyland, GAINSCO, Geico, Progressive, The General, and USAA. Non-owner policies are significantly cheaper than standard owner policies because they carry no collision or comprehensive coverage and the carrier assumes lower risk. Monthly premiums for non-owner SR-22 policies after a DUI typically fall in a lower range than owner policies, though rates vary by driving history and the time elapsed since conviction.
You cannot drive a vehicle you own on a non-owner policy. If you purchase or lease a vehicle while holding a non-owner SR-22 policy, you must immediately switch to a standard owner policy and notify DDS of the change. Failure to do so can result in license suspension if you are involved in an accident or stopped while driving your own vehicle.
Compare Carriers That Serve Your Profile
Georgia law requires you to maintain continuous SR-22 coverage for three full years from the filing date. A single lapse triggers automatic suspension, and you will need to restart the three-year clock with a new filing. Because of this, choosing a carrier you can afford to keep for the entire period matters more than finding the absolute lowest initial quote. Non-standard carriers that specialize in high-risk drivers are often more lenient about payment plans and policy retention than standard carriers that view DUI drivers as higher-churn risks.
Compare at least three carriers that write your driver profile. If you are within the first three years post-conviction, focus on non-standard carriers that accept recent DUI drivers. If you are 3-5 years post-conviction, request quotes from both non-standard and standard-tier carriers to see whether you now qualify for lower standard-tier rates. Use the Georgia SR-22 carrier comparison tool to identify which carriers are quoting policies for drivers with your conviction date and violation type, then request binding quotes from each.