Sr22 Insurance Georgia: Everything You Need To Know In 2023

Sr22 Insurance Georgia: Everything You Need To Know In 2023


Are you a resident of Georgia and in need of an SR22 insurance policy? Whether you’re a new driver or have had a recent driving violation, understanding the ins and outs of SR22 insurance is crucial. In this article, we’ll provide you with all the information you need to navigate the world of SR22 insurance in Georgia in 2023.

What is SR22 Insurance?

SR22 insurance is a type of auto insurance policy that is specifically designed for high-risk drivers. It is a document that proves you have the minimum required liability insurance coverage mandated by the state of Georgia. The SR22 certificate is filed by your insurance provider with the Georgia Department of Driver Services (DDS) to reinstate your driving privileges after a suspension or revocation.

Who Needs SR22 Insurance in Georgia?

There are several situations in which you may be required to obtain SR22 insurance in Georgia. These include:

  • Driving under the influence (DUI) or driving while intoxicated (DWI) convictions
  • Multiple traffic violations within a short period
  • Driving without insurance
  • Being involved in an at-fault accident without insurance

How to Get SR22 Insurance in Georgia

To obtain SR22 insurance in Georgia, you’ll need to follow these steps:

  1. Contact an insurance provider: Reach out to an insurance company that offers SR22 insurance policies in Georgia.
  2. Provide necessary information: Fill out the required forms and provide the necessary information to the insurance provider.
  3. Pay the premium: Pay the premium amount for your SR22 insurance policy, which will typically be higher than traditional auto insurance due to the high-risk nature.
  4. Receive your SR22 certificate: Once you’ve completed the process, your insurance provider will file the SR22 certificate with the Georgia DDS on your behalf.

How Long Do You Need SR22 Insurance in Georgia?

The length of time you’ll need to maintain SR22 insurance in Georgia depends on the nature of your offense. Typically, you’ll need to maintain the SR22 certificate for a minimum of three years. However, the duration can vary based on the severity of the violation.


1. Can I cancel my SR22 insurance once I no longer need it?

Yes, you can cancel your SR22 insurance once you are no longer required to maintain it. However, it’s important to consult with the Georgia DDS and your insurance provider before making any changes to your policy.

2. How much does SR22 insurance cost in Georgia?

The cost of SR22 insurance in Georgia varies depending on several factors, including your driving record, age, and the insurance company you choose. Generally, expect to pay higher premiums compared to traditional auto insurance policies.

3. Will SR22 insurance cover damages to my own vehicle?

No, SR22 insurance is liability coverage only, which means it covers damages and injuries caused to others in an accident you are at fault for. It does not cover damages to your own vehicle.

4. Can I get SR22 insurance if I don’t own a car?

Yes, even if you don’t own a car, you can still obtain non-owner SR22 insurance in Georgia. This policy provides liability coverage when you borrow or rent a vehicle.

5. What happens if I let my SR22 insurance policy lapse?

If your SR22 insurance policy lapses, your insurance provider will typically notify the Georgia DDS. This may result in the suspension of your driving privileges, and you may need to restart the process of obtaining SR22 insurance.


In conclusion, SR22 insurance is a crucial requirement for high-risk drivers in Georgia. By understanding the process of obtaining and maintaining SR22 insurance, you can ensure a smooth reinstatement of your driving privileges. Remember to consult with an insurance provider experienced in SR22 filings to navigate the process effectively.

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