If you need an SR-22 for car insurance in Georgia, you are not alone. This relatively standard insurance requirement is prompted by citation such as a DWI conviction, a driving-without-insurance citation, an at-fault collision, driving with a suspended license, or accumulating too many license points.
Getting cheap insurance coverage with an SR-22 in Georgia might not be easy, but it's worth the trouble. We examined how much a Georgia SR-22 certificate typically costs and how to go about getting one — let’s dive in.
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How much does an SR-22 cost in Georgia?
Car insurance with an SR-22 in Georgia will probably be expensive. This isn't a direct result of the SR-22 — filing fees are usually $15 to $35 — but a product of the insurance cost increases caused by the driving violation that prompted the SR-22 in the first place.
Car insurance companies charge risky drivers more to account for the increased risk of having to pay out a claim after a crash. The price increase you will face will depend on the severity and number of the infractions — listed below are standard auto insurance premiums for drivers with SR-22s in Georgia.
GEORGIA CAR INSURANCE PREMIUMS AFTER COMMON CITATIONS
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault collision (>$2,000)||$1,924.00||$536.17|
|Speeding (21-25 mph > limit)||$1,680.95||$293.12|
|Leaving the scene||$2,175.46||$787.63|
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How to get an SR-22 in Georgia
If you have car insurance:If you already have auto insurance, obtaining an SR-22 certificate shouldn't be too difficult. Just call your insurance company and request it file a SR-22 request on your behalf. If your insurance company isn’t willing to file an SR-22 request, you should shop for a new insurance company.
Uninsured drivers:When applying for auto insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 certification might disqualify you from buying insurance from some companies, while others will sell you a policy.
Don't own a vehicle?Not owning a vehicle makes it tougher to get an SR-22, since you typically need to show proof of insurance to receive the certificate. If you don't own a car, you should buy a non-owners car insurance policy before pursuing an SR-22. Non-owners auto coverage should be less costly than a traditional policy since it doesn't protect against physical damages sustained by your vehicle.
Between September and December 2017, The Zebra performed comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra assessed nearly 53 million premiums to explore trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.