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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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the Georgia DDS. Required for 3 years following DUI, suspension, or uninsured accident. Not a separate policy—your existing carrier adds the filing, or you switch to a non-standard carrier that offers SR-22.
Liability Insurance
Covers injuries and property damage you cause to others. Georgia's 25/50/25 minimums do not adequately protect high-risk drivers from lawsuits after a second incident. Higher limits cost more but shield assets if you cause a serious accident while managing an existing violation.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or inadequate coverage. Optional in Georgia but essential for high-risk drivers who cannot afford to absorb repair and medical costs from another driver's mistake while maintaining SR-22 requirements.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers with DUIs, suspensions, and lapses. These insurers accept profiles standard carriers decline but charge higher premiums reflecting claims risk. Rates decrease after 3–5 years of clean driving.
Full Coverage
Liability plus comprehensive and collision protecting your vehicle. Required by lenders but optional if you own your car outright. Dropping it to save money risks total financial loss if your car is totaled, stolen, or damaged—a calculation high-risk drivers must weigh against already elevated premiums.
Collision Coverage
Covers damage to your vehicle from accidents regardless of fault. Not required by Georgia but mandatory if financing. High-risk drivers pay elevated collision premiums due to statistical claims likelihood, but coverage protects against absorbing total vehicle loss after an at-fault accident.
