Georgia SR-22 Auto Insurance
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Suspended License Insurance — Georgia

Georgia requires 25/50/25 liability coverage and is an at-fault state.

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Georgia at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

$200

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Georgia License Reinstatement & SR-22 Requirements

Georgia Department of Driver Services (DDS) requires SR-22 proof of insurance with 25/50/25 liability minimums for 3 years after a DUI conviction, measured from your reinstatement date — not your conviction date. Georgia operates a tort/at-fault system enforced through the Georgia Electronic Insurance Compliance System (GEICS), which monitors continuous coverage on all registered vehicles in near real-time. If you're suspended for an uninsured motorist violation, you'll need SR-22 filing maintained for 3 years post-reinstatement; lapse triggers automatic re-suspension with no grace period.

SR-22 Filing for DUI Suspensions

Georgia Department of Driver Services requires SR-22 filing for all DUI convictions, maintained continuously for 3 years after reinstatement. The filing itself is not insurance — it's an endorsement your carrier files electronically with DDS proving you carry at least 25/50/25 liability. If your carrier cancels your policy or you let it lapse, DDS receives automatic notification through GEICS and re-suspends your license the same day with no warning period. You must maintain the SR-22 filing through the full 3-year period; early cancellation restarts the clock from zero.

Bodily Injury Liability

This is the legal floor — most carriers writing after suspension will quote you higher limits because 25/50 won't cover a serious accident and you'll be sued personally for the difference in Georgia's tort system. If you're on a Limited Driving Permit and cause an accident, the court can revoke your permit immediately and extend your suspension, so underinsuring is a reinstatement risk, not just a financial one.

Property Damage Liability

Suspended drivers face higher scrutiny after any accident — insufficient coverage that leads to a civil judgment can result in a new suspension under Georgia's financial responsibility laws even if you've already reinstated from the original offense.

Non-Owner SR-22 for Suspended Drivers Without a Vehicle

If you don't own a vehicle but need SR-22 to reinstate in Georgia, a non-owner policy satisfies DDS requirements at roughly half the cost of a standard policy. The non-owner SR-22 provides liability coverage when you drive a borrowed or rental vehicle and proves continuous coverage to DDS without requiring you to insure a car you don't own. This is the primary path for suspended drivers who sold their vehicle, lost it to repossession during suspension, or who rely on transit and only drive occasionally.

Uninsured Motorist Coverage (Optional but Strategic)

Georgia does not require uninsured motorist (UM) coverage, but it's the only protection you have if an uninsured driver hits you while you're on a Limited Driving Permit. If you're injured and can't work, and the at-fault driver has no insurance, you have no recovery unless your own policy includes UM. Suspended drivers often drop UM to save money, but a serious accident with an uninsured driver can cost you your permit, your job, and your ability to complete reinstatement on schedule.

What Suspended Drivers Pay for SR-22 Insurance in Georgia

$316–$423/mo

Typical monthly rate in Georgia, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • SR-22 filing period of 3 years starts at reinstatement, not conviction — any lapse during the 3-year window restarts the clock and triggers immediate re-suspension through GEICS
  • Limited Driving Permit eligibility varies by suspension cause: DUI and points suspensions qualify, but unpaid-fine suspensions do not — this determines whether you can drive at all during the suspension period
  • Georgia Department of Driver Services offers online reinstatement at online.dds.ga.gov for eligible suspension types, but eligibility is suspension-type-dependent and DUI cases generally require in-person processing
  • Carriers writing SR-22 in Georgia include non-standard specialists GAINSCO, Dairyland, The General, Direct Auto, Bristol West, Acceptance, and Infinity, plus standard carriers Geico, Progressive, State Farm, and National General — but standard carriers may decline post-suspension applications and route you to their non-standard subsidiaries
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If your license is suspended

Limited Driving Permit

application fee $32.

A coverage lapse is reported

The state acts on a lapse after 10 days.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

Can I get a hardship license in Georgia after a DUI?

Yes — Georgia offers a court-issued Limited Driving Permit for DUI suspensions, but you must petition Superior Court, install an ignition interlock device, and file SR-22 proof of insurance with Georgia Department of Driver Services. The permit is court-defined and typically restricts driving to work, school, medical appointments, and court-ordered programs. Unpaid-fine suspensions do not qualify for the permit, and felony Habitual Violator revocations bar permit eligibility during the 5-year revocation period.

Which insurance companies file SR-22 in Georgia?

Non-standard specialists GAINSCO, Dairyland, The General, Direct Auto, Bristol West, Acceptance, and Infinity actively write SR-22 policies in Georgia and file electronically with DDS. Standard carriers Geico, Progressive, State Farm, and National General also file SR-22 but may decline post-suspension applications and route you to their non-standard subsidiaries. Carriers like Allstate, Farmers, and Liberty Mutual generally do not file SR-22 after suspension in Georgia.

How long do I have to carry SR-22 in Georgia after a DUI?

Georgia requires SR-22 filing for 3 years after reinstatement following a DUI conviction, measured from your reinstatement date, not your conviction date. If your policy lapses or your carrier cancels during the 3-year period, Georgia Department of Driver Services receives automatic notification through GEICS and re-suspends your license immediately with no grace period. The 3-year clock restarts from zero if you lapse.

Do I need insurance if my license is suspended in Georgia?

Yes — if you're suspended for DUI, points, or an uninsured motorist violation and you want to reinstate, you must file SR-22 proof of insurance with Georgia Department of Driver Services before they will process reinstatement. If you don't own a vehicle, a non-owner SR-22 policy satisfies the requirement and costs roughly half what a standard policy costs. Driving while suspended without insurance is a separate criminal offense in Georgia and extends your suspension.

What is a Limited Driving Permit in Georgia and who qualifies?

A Limited Driving Permit is Georgia's court-issued hardship license that allows suspended drivers to drive for work, school, medical appointments, and court-ordered programs. DUI and points suspensions qualify; unpaid-fine suspensions and felony Habitual Violator revocations do not. You must petition Superior Court, provide proof of need, file SR-22 with DDS for DUI and uninsured-related suspensions, install an ignition interlock for DUI permits, and pay all court-ordered fees before the court will issue the permit.

What happens if I let my SR-22 lapse in Georgia?

Georgia Department of Driver Services receives automatic electronic notification from your carrier through GEICS the day your SR-22 policy lapses or is canceled, and DDS re-suspends your license immediately with no warning or grace period. The 3-year SR-22 filing requirement restarts from zero, meaning you'll need to maintain continuous coverage for another full 3 years from the new reinstatement date. If you're on a Limited Driving Permit, a lapse can also trigger court revocation of the permit.

Coverage Types

Limited Driving Permit (Hardship License)

Georgia's court-issued Limited Driving Permit allows suspended drivers to drive for work, school, medical appointments, and court-ordered programs while their license is suspended. DUI and points suspensions qualify; unpaid-fine suspensions do not.

Non-Owner SR-22 Insurance

Non-owner SR-22 provides liability coverage and DDS-required proof of insurance without requiring you to own or insure a vehicle. It covers you when driving borrowed or rental cars and satisfies Georgia's 3-year SR-22 filing requirement.

SR-22 Filing After DUI

SR-22 is the electronic proof-of-insurance certificate your carrier files with Georgia DDS after a DUI conviction. It's required for 3 years after reinstatement; any lapse triggers automatic re-suspension.

Liability Insurance for Suspended Drivers

Georgia requires 25/50/25 liability minimums for all SR-22 policies. This pays for injuries and property damage you cause to others; it does not repair your own vehicle or cover your own injuries.

Uninsured Motorist Coverage

Uninsured motorist coverage pays your medical bills and lost wages if an uninsured driver hits you. Georgia does not require it, but it's the only financial protection you have if you're injured by a driver with no insurance.

High-Risk Auto Insurance

High-risk or non-standard auto insurance is written by carriers that specialize in suspended drivers, DUI convictions, multiple violations, and drivers standard carriers won't insure. Rates are higher, but it's the only market available post-suspension.

Find Your City in Georgia

Atlanta

urban$180–$320

Georgia Department of Driver Services headquarters at 2206 East View Parkway in Conyers processes most metro Atlanta reinstatements; online reinstatement at online.dds.ga.gov is available for eligible suspension types.

Columbus

urban$165–$295

Muscogee County Superior Court at 100 10th Street handles Limited Driving Permit petitions; DDS office at 5135 Armour Road processes reinstatements and SR-22 filings.

Augusta

urban$160–$290

DDS Customer Service Center at 2572 Washington Road processes Augusta-area reinstatements; Limited Driving Permit petitions are filed with Richmond County Superior Court.

Macon

urban$155–$280

Bibb County Superior Court at 601 Mulberry Street processes hardship permit petitions; DDS Customer Service Center at 3720 Arkwright Road handles reinstatements.

Savannah

urban$170–$300

Chatham County Superior Court at 133 Montgomery Street handles Limited Driving Permit applications; DDS office at 7601 Abercorn Street processes SR-22 filings and reinstatements.

Athens

suburban$160–$285

Clarke County Superior Court at 325 East Washington Street processes hardship permits; University of Georgia student population creates higher uninsured motorist accident risk, making UM coverage particularly relevant for suspended drivers.

Sandy Springs

suburban$185–$325

Fulton County Superior Court North Annex at 7741 Roswell Road handles permit petitions; proximity to Atlanta DDS headquarters allows faster processing for online-eligible reinstatements.

Roswell

suburban$180–$315

Fulton County Superior Court processes Limited Driving Permit applications; heavy GA-400 commuter traffic increases accident exposure for permit holders restricted to work-route driving.

Johns Creek

suburban$175–$310

Fulton County Superior Court at 136 Pryor Street SW in Atlanta handles permit petitions; DDS office at 2206 East View Parkway in Conyers is the closest full-service location.

Warner Robins

suburban$155–$275

Houston County Superior Court at 201 Perry Parkway handles Limited Driving Permit petitions; Robins Air Force Base proximity means military-connected drivers may have federal employment hardship grounds.

Albany

urban$150–$270

Dougherty County Superior Court at 225 Pine Avenue processes hardship applications; rural Southwest Georgia geography increases hardship permit necessity for work and medical access.

Alpharetta

suburban$180–$320

Fulton County Superior Court processes permit applications; North Fulton's corporate office density strengthens employment-based hardship petitions for work-route permits.