Georgia SR-22 Car Insurance

How Much Does SR-22 Cost in Georgia?

In Georgia, traffic violations are not taken lightly. If you have been convicted of any driving violations at least once, then, it is certain that you are bound to apply for SR-22 insurance to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Georgia. On the other hand, if you intend to continue driving but don’t own a car, you can apply for non-owner SR-22 insurance to garner liability insurance coverage.

Drivers in Georgia who garnered driving citations in the past pay more expensive rates in contrast to drivers with a clean driving record. However, the increase in their car insurance policy in Georgia will depend on the severity of the violation. However, the violation that will greatly impact your insurance rate is the GA DUI violation. 

What is the rate of SR-22 insurance in Georgia?

Georgia’s SR-22 insurance is almost a tripled cost of average car insurance before a serious citation such as DUI or at-fault accidents. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Georgia. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly. 

On the other hand, there are also ways to gain cheap SR-22 insurance in Georgia. Comparing rates from different car insurance companies will help you identify the one that will lead to more affordable SR-22 insurance rates. You can extensively gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22 insurance in Georgia.

Georgia SR-22 Car Insurance Rates by Violation

There are several SR-22 insurance significant players in Georgia. GEICO, Allstate, and Libe are some of the few that offer competitive SR-22 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type.

Georgia SR-22 Car Insurance Rates

CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,455$5,355$4,353$3,637
GEICO$1,987$2,484$5,165$2,233
Liberty Mutual$7,622$10,417$11,977$10,154
Nationwide$4,988$5,847$9,022$6,043
Progressive$3,514$6,201$4,147$4,099
State Farm$3,075$3,677$3,374$3,374
USAA$2,401$3,047$4,452$2,687

One of the most common causes of car insurance increase is the privilege of a good driver discount. If you have been convicted with DUI citations, you will not be eligible for a good driver discount for ten years. Additionally, after a DUI or road violations, your license can be voided, and the cost of license reinstatement in Georgia is $15 to $30.

What is SR-22 Car Insurance in Georgia?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Georgia. One is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form, which should be done by your insurer on your behalf.

How Long Do You Need an SR-22 After an Accident?

Typically, the length of how long you will need SR-22 insurance in Georgia is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a three-year SR-22 insurance requirement. However, for more severe fractions of breaches and damages, it can last up to ten years.

Being under SR-22 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license.

Georgia Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

You will not be eligible for non-owner SR-22 insurance in Georgia if you have a car that you frequently drive despite you don’t own it. But, for those who are qualified for non-owner SR-22 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Georgia after a violation.

Georgia SR-22 Car Insurance

Three Forms of Financial Responsibility

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$1,599
At-Fault Crash at >$2,000$2,501$879
Speeding Ticket (21-25mph above limit)$2,155$544
Reckless Driving$2,453$844
Racing$2,667$1,058
Hit-And-Run$3,015$1,401
DUI/DWI$2,833$1,222

How To Get an SR-22 Insurance in Georgia?

Having an ongoing car insurance policy may lead to the easy acquisition of SR-22 insurance after a violation. Just directly contact your agent or car insurance provider and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Georgia that might refuse your request. Thus, the best thing to do is to look for another company that can cater to your needs.

Filing a Georgia SR-22 Insurance for Insured Drivers

Being insured and wanting to file SR-22 car insurance in Georgia comes with an additional cost on top of your standard car insurance coverage. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing a Georgia SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort, but being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for your vehicle’s physical damage in cases of collision.

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Georgia, which, relatively, is the best way to keep your car insurance rate on the average level.

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