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Reinstatement Coverage — Georgia

Reinstatement coverage isn't an insurance product — it's the proof-of-insurance filing Georgia requires after certain DUI convictions to restore your driving privileges.

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What Is Reinstatement Coverage Insurance?

Georgia requires SR-22 certification after a second DUI conviction or when a court specifically orders it as a reinstatement condition. The carrier electronically notifies DDS when you purchase the policy and again if you cancel it or let it lapse. Your license remains suspended until DDS receives the SR-22 filing and you pay all reinstatement fees.

You've carried SR-22 for 14 months and want to switch to a cheaper carrier. You must secure the new policy and SR-22 filing before canceling the old policy. If there is any gap — even one day — between the old carrier's cancellation notice and the new carrier's SR-22 filing, DDS treats it as a lapse and re-suspends your license. You'll pay a new reinstatement fee and the 3-year SR-22 period restarts from zero.

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Who Needs Reinstatement Coverage Insurance?

You need SR-22 certification in Georgia if you received a second DUI conviction, or if a judge specifically ordered SR-22 as a condition of license reinstatement after a first DUI. You also need it if DDS sent you a notice stating SR-22 filing is required before reinstatement. Non-owner SR-22 is the right choice if you don't own a vehicle but need to satisfy the filing requirement to get your license back.

Check your DDS suspension notice or reinstatement letter — if it lists SR-22 filing as a requirement, you must obtain it before reinstatement. If the notice is unclear, call DDS Customer Service at 678-413-8400 and ask whether SR-22 is required for your specific suspension type. Do not purchase SR-22 based on assumptions or carrier recommendations alone.

How Much Does Reinstatement Coverage Insurance Cost?

The violation that triggered the SR-22 requirement — a second DUI results in higher premiums than a first-offense DUI with court-ordered SR-22.
Your county of residence — urban counties like Fulton and DeKalb have higher base rates due to accident frequency and theft rates.
The number of years since your most recent violation — premiums decrease as you move further from the triggering event without new incidents.
Whether you bundle SR-22 with comprehensive or collision coverage — adding full coverage on a financed vehicle can double the monthly cost.

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