Georgia DUI SR-22 Insurance After Conviction
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
Georgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$200
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
Georgia is an at-fault state, meaning the driver responsible for the accident pays for damages through their liability coverage. After a DUI conviction, Georgia requires proof of financial responsibility through SR-22 filing for three years, measured from your conviction date. The Georgia Department of Driver Services monitors continuous coverage during this period and suspends your license immediately if your carrier cancels the SR-22.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Georgia
$308–$423/mo
Typical monthly rate in Georgia, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Repeat-offense DUI or conviction within three years of a prior alcohol-related offense moves you into the highest-risk tier, with some carriers declining coverage entirely and others requiring six-month prepayment.
- License suspension length affects rates: maintaining continuous coverage during a short suspension costs less long-term than allowing a lapse and restarting as a new SR-22 filer with a gap in coverage history.
- Installing an ignition interlock device as court-ordered compliance may qualify for modest discounts with some non-standard carriers, though availability varies and most carriers do not offer IID-specific rate reductions.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Limited Driving Permit
application fee $32.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Georgia after a DUI?
Georgia requires SR-22 filing for three years after your DUI conviction date, not from your filing date or license reinstatement date. If you are convicted on March 1, 2025, your SR-22 requirement ends March 1, 2028, regardless of when you actually file. Late filing does not shorten the period.
Can I get SR-22 insurance from my current carrier after a DUI in Georgia?
Most mainstream carriers including State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers but typically non-renew your policy at the end of your current term. Expect to shop the non-standard market with carriers like Bristol West, Direct Auto, Dairyland, or The General for your next policy.
Do I need an SR-22 if I got a DUI in Georgia but live in another state?
If you were convicted of DUI in Georgia but hold a driver's license from another state, Georgia DDS typically requires SR-22 filing in your home state to resolve the Georgia suspension. Contact Georgia DDS directly to confirm which state's SR-22 filing satisfies your reinstatement requirement before purchasing coverage.
Does Georgia require SR-22 for first-offense DUI?
Georgia requires SR-22 for first-offense DUI if your license is suspended as part of your conviction or administrative license suspension following arrest. If you refused breath or blood testing, Georgia also mandates SR-22 for the resulting implied-consent suspension. Not all first-offense DUI convictions result in suspension, but most do.
Coverage Types
SR-22 Insurance
SR-22 is a certificate your insurer files with Georgia DDS proving you carry liability coverage. The filing itself costs $15–$25, but the DUI conviction raises your underlying insurance rate significantly.
Non-Owner SR-22
Non-owner SR-22 provides liability coverage when you do not own a vehicle but need SR-22 filing to reinstate your license or satisfy court requirements. Costs $40–$80/mo, significantly less than owner policies.
Liability Insurance
Liability pays for injuries and property damage you cause to others. Georgia requires 25/50/25 minimums, but DUI-SR-22 carriers often mandate higher limits to reduce their exposure on high-risk policies.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Georgia does not require it, but rejection must be written and signed.