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.
How Much Does Car Insurance Cost in Georgia?
DUI conviction moves you into the non-standard insurance market in Georgia, where carriers price for elevated risk. Rates vary significantly based on conviction class, whether this is a first or repeat offense, your age, and whether your license was suspended or you maintained continuous coverage through the conviction process.
What Affects Your Rate
- First-offense standard DUI typically costs 60–80% more than pre-conviction rates, while aggravated DUI (BAC above 0.15, minor in vehicle, or injury) adds another 20–40% on top of that baseline increase.
- 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.
- Atlanta metro drivers pay $30–$50/mo more than rural Georgia due to higher accident frequency, theft rates, and uninsured driver density in Fulton, DeKalb, and Gwinnett counties.
- Drivers under 25 or over 70 with DUI conviction face combined age and conviction penalties, often pushing monthly premiums above $350 for minimum coverage.
- 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.
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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.
