Official Georgia Guide

Georgia SR-22 Insurance

A complete roadmap to satisfying Georgia DDS requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Required from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Georgia SR-22 Filing Works

In Georgia, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Georgia Department of Driver Services (DDS) in Conyers. It serves as proof that you carry the state-mandated minimum liability insurance (25/50/25) required to keep your driving privileges active.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in GA?

DUI Conviction: Convictions for driving under the influence of alcohol or drugs.
No-Insurance Violation: Being caught driving without valid liability coverage or multiple 'No Insurance' convictions.
Excessive Points: Accumulating 15 or more demerit points on your record within a 24-month period.
Unsatisfied Judgments: Failure to pay for damages from an accident as ordered by a court.

Don't Own a Car in Georgia?

You can still get reinstated! A Georgia Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Georgia DDS requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The GA Reinstatement Timeline

Check Eligibility

Access the Georgia DDS 'Online Services' portal or the DDS 2 GO app to verify your specific reinstatement requirements.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance carrier will electronically transmit the certificate to the DDS.

Pay Reinstatement Fees

Pay the mandatory fees (typically $200-$410) online or by mail to clear the administrative hold on your license.

License Reissued

Once the SR-22 is logged and fees are processed, your driving status returns to 'Valid' and your license is mailed.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Georgia:

First Offense

Immediate License Suspension

Court Fines

Up to $1,000 + Jail Time

SR-22 Period

3-Year Clock Resets

Vehicle Impact

Mandatory Plate Suspension

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Georgia Filing FAQs

How much is the filing fee in Georgia?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Georgia DDS. This is separate from your monthly premium.

What is the difference between SR-22 and SR-22A in GA?

A standard SR-22 is for common violations. The SR-22A is a more restrictive version for repeat 'No-Insurance' offenders, often requiring 6 months of premium paid in advance.

Can I drive out of state with a GA SR-22?

Yes. Your Georgia SR-22 is valid nationwide. You must simply maintain the Georgia-specific limits (25/50/25) as required by the state.

Can I get a Non-Owner policy in GA?

Yes, Georgia allows Non-Owner SR-22 filings. It is often the most affordable route to reinstatement for drivers who do not own a car.

Will my license be suspended if I miss a payment?

Yes. Georgia law requires insurers to notify the DDS immediately (via SR-26) if your policy lapses, which triggers an automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Georgia DDS to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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