Auto Insurance with an SR-22 in Georgia

If you need an SR-22 to acquire auto insurance in Georgia, you are not alone. This relatively common legal requirement is triggered by a driving citation such as a DUI, a driving-without-insurance citation, an at-fault accident, a citation for driving with a suspended license, or accumulating too many points on your license.

Finding inexpensive auto insurance with a SR-22 certificate in Georgia might take some research, but it could be worthwhile. We analyzed how much a SR-22 might cost in Georgia and how to get one — let's take a look.

How much does an SR-22 cost in Georgia?

Insurance after an SR-22 in Georgia tends to be expensive. This isn't a direct cost of the SR-22 — typical filing fees run just $15 to $35 — but thanks to the insurance rate increases that come with the citation that prompted the SR-22 requirement to begin with.

Car insurance companies charge high-risk clients higher rates to account for the heightened probability of having to pay out a claim after a crash. The rate increase you’ll receive will depend on the severity and number of the violations — below are typical insurance prices for motorists with SR-22s in Georgia.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,609
At-fault crash (>$2,000)$2,502$893
Speeding (21-25 mph > limit)$2,164$554
Reckless driving$2,461$852

If you need affordable car insurance coverage with a SR-22, we are here to help. Enter your ZIP below to receive personalized car insurance quotes from leading insurance companies.

How to get an SR-22 in Georgia

If you have auto insurance

If you already have auto insurance, obtaining an SR-22 certificate should be easy enough. Call your insurer ask the company to file a SR-22 request on your behalf. If your current insurance company refuses to file an SR-22 request, you'll need to look for a new insurer.

Uninsured drivers

When filing for car insurance, you may need to pay extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from getting coverage from some companies, while others will sell you a policy.

Don't own a car?

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to earn the certificate. If you don't own a car, you should apply for a non-owners auto insurance policy before filing for an SR-22. Non-owners car insurance is often cheaper than a standard policy since it won’t provide protection for physical damage to your vehicle.


we conducted auto insurance rate analysis using its proprietary insurance quote engine, including data from rating systems and public rate filings. The Zebra surveyed almost 53 million premiums to examine trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

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