Updated March 2026
State Requirements
Georgia requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). The state triggers SR-22 filing for DUI convictions, license suspensions due to excessive points, at-fault accidents without insurance, and accumulating too many violations in a short period. Drivers with SR-22 requirements must maintain continuous coverage for 3 years without lapses. Georgia is a fault state, meaning at-fault drivers can face lawsuits exceeding state minimums.
Cost Overview
High-risk auto insurance in Georgia costs $2,200–$5,000 annually depending on violation type, location, and driving history. DUI convictions generate the steepest increases—often 80–150% above standard rates—while at-fault accidents and suspensions add 40–90%. Rates decline as violations age beyond 3–5 years and SR-22 requirements expire, but improvement requires continuous coverage without new incidents.
What Affects Your Rate
- Violation type: DUI convictions add 80–150%, at-fault accidents 40–70%, suspensions 50–90%
- Years since violation: rates drop significantly after 3 years, with major reductions at 5-year mark
- SR-22 duration remaining: some carriers reduce rates slightly in final year of filing requirement
- Location: Atlanta metro area rates run 15–30% higher than rural Georgia due to accident frequency
- Points on license: active points increase premiums even after SR-22 requirement begins
- Coverage lapses: any gap in coverage during SR-22 period resets clock and raises rates 20–40%
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Coverage Options
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Frequently Asked Questions
Sources
- Georgia Department of Driver Services - SR-22 Requirements and Reinstatement Procedures
- Georgia Department of Insurance - Minimum Coverage Requirements and Financial Responsibility Laws
- Insurance Research Council - Uninsured Motorist Statistics by State