SR-22 Insurance — Georgia
An SR-22 is not insurance — it's a DMV filing your insurer submits to prove you're carrying Georgia's minimum liability coverage after a DUI conviction.
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What Is SR-22 Insurance Insurance?
The SR-22 is a certificate of financial responsibility filed by your insurance carrier directly with the Georgia Department of Driver Services. Georgia requires it exclusively after DUI or DWI convictions, not for ordinary license suspensions or first-time uninsured motorist offenses.
Who Needs SR-22 Insurance Insurance?
You need an SR-22 if Georgia DDS sent you a suspension notice specifically requiring it — this happens exclusively after DUI or DWI convictions in Georgia, not for other suspension types. If you don't own a vehicle, you still need a non-owner SR-22 policy to satisfy the requirement and regain driving privileges. If you're approaching the end of your suspension and need to reinstate, you must have the SR-22 filed before DDS will process reinstatement — it's a prerequisite, not optional.
Read your suspension order from DDS. If it lists SR-22 or certificate of financial responsibility as a reinstatement condition, you must file one. If it says proof of insurance only, you need a standard policy without the SR-22. When in doubt, call DDS with your license number — they'll confirm whether your specific suspension type requires the filing.
How Much Does SR-22 Insurance Insurance Cost?
- DUI conviction date — premiums peak in the first year after conviction and decline gradually if no new violations occur.
- Vehicle type — insuring a 2018 sedan costs less than a 2020 truck because collision and comprehensive premiums stack on top of the already-elevated liability base rate.
- Credit score — Georgia allows credit-based insurance scoring, so a DUI conviction plus poor credit can double your premium compared to DUI with excellent credit.
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