In Georgia, an SR-22 is a certificate your insurer files with the Department of Driver Services (DDS) to prove you carry at least the state-minimum 25/50/25 liability coverage. Most drivers must keep it for three years, and any lapse restarts the clock with no grace period. Insurers charge $15 to $25 to file.
When Georgia Requires an SR-22
The Georgia Department of Driver Services (DDS) requires an SR-22 after certain serious violations, as a condition of reinstating your license. You will generally need one after:
- A DUI conviction
- Driving without insurance or an at-fault crash while uninsured
- A license suspension or revocation you are reinstating
- Repeated serious traffic violations
- A lapse in required coverage
Georgia SR-22 Minimum Coverage
An SR-22 in Georgia must prove you carry at least the state-minimum liability limits of 25/50/25: $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage.
How Long Do You Need an SR-22 in Georgia?
Georgia generally requires you to keep an SR-22 on file for three years. The DDS offers no grace period: if your insurer files a cancellation notice, your license is suspended and the three-year requirement can restart from the beginning.
How Much Does an SR-22 Cost in Georgia?
The filing fee is small — Georgia insurers typically charge a one-time $15 to $25 to submit the certificate to DDS. The larger cost is the premium increase from the underlying violation. The DDS also charges a license reinstatement fee that varies by offense.
Because high-risk rates differ sharply between insurers, comparing carriers that file SR-22s in Georgia is the best way to keep costs down.
Non-Owner SR-22 in Georgia
If you need an SR-22 but do not own a vehicle, a non-owner policy satisfies the Georgia requirement and lets your insurer file the certificate. It covers your liability when you drive vehicles you do not own and costs less than a standard policy.
How to File an SR-22 in Georgia
- Confirm the requirement from your DDS reinstatement notice or court order.
- Compare quotes from carriers that file SR-22s and meet the 25/50/25 minimum.
- Buy the policy and pay the one-time filing fee.
- Pay any DDS reinstatement fee that applies.
- Keep continuous coverage for the full three years to avoid restarting the clock.
Frequently Asked Questions
How long do you need an SR-22 in Georgia?
Three years in most cases. Georgia offers no grace period, so a lapse can restart the requirement.
What are the minimum coverage limits for an SR-22 in Georgia?
Georgia requires at least 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
How much does an SR-22 cost in Georgia?
Insurers charge a one-time filing fee of $15 to $25. The bigger cost is the higher premium from the violation behind the filing.
Can I get a non-owner SR-22 in Georgia?
Yes. A non-owner policy meets the requirement if you do not own a car and is usually cheaper than a standard policy.
What happens if my SR-22 lapses in Georgia?
The DDS offers no grace period. A lapse suspends your license and can restart the three-year requirement.