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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Georgia requires 25/50/25, but non-standard carriers often require 50/100/50 for SR-22 policies to reduce their exposure.
SR-22 Filing
Certificate proving you carry Georgia's minimum liability. Required for DUI, uninsured accidents, and license suspensions. Not a separate policy, but an endorsement filed by your insurer.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, or multiple violations. Non-standard carriers accept SR-22 filings and offer flexible payment plans for high-risk profiles.
Uninsured Motorist Coverage
Protects you if you're hit by an uninsured or underinsured driver. Georgia does not require UM, but insurers must offer it and you must reject it in writing.
Full Coverage
Liability plus comprehensive and collision. Required by lienholders. High-risk drivers face elevated deductibles ($1,000–$2,500) and may be required to pay 6 months upfront.
Collision Coverage
Covers damage to your vehicle in an at-fault accident. Not required by Georgia, but mandatory if you finance or lease. High-risk drivers pay 50–80% more for collision than standard drivers.
