Updated April 2026
Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. The Georgia Department of Driver Services (DDS) mandates SR-22 filing for drivers convicted of DUI, driving without insurance, at-fault uninsured accidents, serious traffic violations, and license suspensions. High-risk drivers often need coverage above these minimums to secure SR-22 filing with non-standard carriers, as many insurers impose higher underwriting requirements for violation-based policies.
How Much Does Car Insurance Cost in Georgia?
High-risk drivers in Georgia with SR-22 requirements typically pay $200–$450/mo for liability-only coverage, with rates climbing to $300–$550/mo or higher for full coverage. DUI convictions carry the steepest surcharges, often tripling premiums compared to a clean record. Rate recovery is gradual: most drivers see meaningful decreases after 3 years once the SR-22 period ends and the violation ages off the primary surcharge window.
What Affects Your Rate
- Type of violation: DUI convictions typically add $1,500–$3,000 annually compared to uninsured driving or minor suspensions
- SR-22 filing duration: 3 years is standard, but habitual offender status or multiple DUIs can extend the requirement to 5 years in Georgia
- Claims history: At-fault accidents combined with SR-22 requirements push most drivers into non-standard tier with 40–70% higher premiums
- County and city: Metro Atlanta (Fulton, DeKalb, Gwinnett) high-risk rates run 15–25% higher than rural Georgia due to claim frequency and uninsured driver density
- Credit-based insurance score: Georgia allows credit as a rating factor, and high-risk drivers with poor credit may see premiums double compared to those with good credit
- Age and experience: Drivers under 25 with SR-22 requirements often pay $400–$650/mo even for minimum coverage due to compounded risk factors
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Sources
- Georgia Department of Driver Services — SR-22 and financial responsibility requirements
- Georgia Department of Insurance — minimum coverage regulations and filing procedures
- Industry rate data for high-risk driver profiles in Georgia (2023–2024)