How to get an SR22 Insurance in Georgia

How to get an SR22 Insurance in Georgia?

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What is an SR22 Insurance and why do I need it?

SR22 is a certificate needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

An SR22 insurance certificate is a certificate of financial responsibility which is needed to reestablish your driving privileges after a driving infraction, for example – a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the minimum liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Georgia

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Georgia Department of Motor Vehicles (DMV) will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

SR-22 requirements in the state of Georgia are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 in Georgia?

A Georgia SR22 car insurance is essential for drivers – 

  1. Who are convicted of a DUI/DWI.
  2. The state of Georgia has revoked their license.
  3. They’re in an accident and fail to compensate the other driver.
  4. They’ve racked up repeated traffic violations, such as reckless driving.

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What is the basic minimum coverage amount to be purchased and maintained by all drivers requiring SR22 Insurance in Georgia?

The state of Georgia requires all drivers requiring a Georgia SR22 Insurance to have a basic minimum coverage of – 

  1. $25,000 for injury or death to one person.
  2. $50,000 for injury or death to two or more people
  3. $25,000 for property damage

 

How do I get a Georgia SR22 Insurance?

Your Georgia SR22 insurance can be acquired from your auto insurance provider. The insurance agency will file your SR22 auto insurance form with the Georgia Department of Motor Vehicles(DMV) for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles(DMV) once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest Georgia SR22 Insurance. Our nationwide partnerships with top providers (Geico, StateFarm, Progressive, Allstate etc) makes sure that you get the cheapest SR22 insurance rates in Georgia. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your requirement!

 

How much does a Georgia SR22 Insurance cost?

If you’re looking for cheap SR22 insurance in Georgia, SR22insuranceNow (888-885-3948) can help you get insured by connecting you with top insurance providers who can offer you free SR22 Insurance quotes in minutes over the phone. Your insurance provider will charge you a filing fee of $15 to $35 after which your insurance premium could look like the following based on your violation, age, and driving history – 

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,609
-
At-fault collision with damage over $2,000
$2,502
$893
Speeding of 21-25 mph over the limit
$2,164
$554
Reckless driving
$2,461
$852
Racing
$2,678
$1,069
Hit-and-run
$3,025
$1,416
DUI/DWI
$2,846
$1,236

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How long do I need a Georgia SR22 Insurance?

You MUST maintain the SR22 in Georgia for a minimum of three years, and this must be renewed at least a month or two before it expires.

 

What is the difference between a Georgia SR-22 and a Georgia SR-22A?

A Georgia SR-22 is required for drivers who are convicted of three or more violations within a five-year period. So basically, habitual offenders need to get a Georgia SR22.

But if you’ve been convicted of only one or two violations over a period of five years, you can just get a Georgia SR22As. You might need one if you’re caught driving without insurance or with a suspended license. Simply put, Georgia SR22A is for low level driving offenders.

Moreover, the premium for a Georgia SR22 is considerably higher as compared to a Georgia SR22A as a driver getting a Georgia SR22 is considered to be more at risk as compared to a driver getting a Georgia SR22A. 

SR22InsuranceNow can help you in getting Georgia SR22A Insurance as well. Give us a call at 888-885-3948 now!

 

Non-Owner SR22 Insurance In Georgia

In Georgia, Non-owners SR22 insurance is required by drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance plan depends on a few components including age, sexual orientation, postal division, conjugal status, driving record and FICO score. 

SR22InsuranceNow can help you in finding insurance companies that offer non-owner SR22 insurance in Georgia. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

 

Some FAQs related to SR22 Insurance in Georgia

 

1. Where can I get the cheapest SR22 in Georgia?

SR22InsuranceNow can help you find the cheapest SR22 in Georgia. Top cities covered – Atlanta, Augusta, Columbus, Savannah, Athens and more.  


Our nationwide partnerships with top providers (Geico, StateFarm, Progressive, Allstate etc) will help you get the cheapest SR22 insurance rates in all counties and cities in Georgia. Call us now!

 

2. How do I find out if I need to get SR22 in Georgia?

An SR-22 is a mandate given by either the court or your state. If it’s court-mandated, the judge would let you know during your hearing that you are required to get it. If it’s state-mandated, typically, you would receive an official letter in the mail from the Georgia Department of Motor Vehicles(DMV) that you are required to get an SR-22.

You can also approach the state of Georgia DMV to get a clarification whether you need a SR22 certificate in Georgia or not.

 

3. Which companies offer Georgia SR22 Insurance?

Top insurance companies like StateFarm, Geico, Allstate, Progressive and many more offer SR22 Insurance in Georgia

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in choosing the cheapest SR22 Insurance plan!

 

4. Which companies offer Georgia Non – Owner SR22 Insurance?

In Georgia, top insurance companies like StateFarm, Geico, Allstate Progressive and more offer Non – Owner SR22 Insurance. 

You can call SR22InsuranceNow and one of our executives will assist you in choosing the cheapest Non – Owner SR22 Insurance plan!

 

5. How to get cheap Georgia SR22 insurance without a car?

In Georgia, if you don’t own a car, you’ll have to get a Non – Owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest Georgia non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

 

6. What Happens after my Georgia SR22 Insurance expires?

Once your Georgia SR22 expires or is cancelled, your auto insurance company will issue an SR-26 certifying the cancellation of the SR22 insurance policy. Moreover, in case of a lapse in your coverage, the auto insurance company is required to report this to the state, typically the Georgia DMV.

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