Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers convicted of DUI, caught driving without insurance, or who accumulate excessive violations typically must file an SR-22 certificate with the Georgia Department of Driver Services to reinstate or maintain driving privileges. State minimums rarely provide adequate protection for high-risk drivers facing elevated lawsuit exposure after a violation.
How Much Does Car Insurance Cost in Georgia?
High-risk auto insurance in Georgia costs substantially more than standard policies due to violation surcharges, non-standard carrier pricing, and SR-22 filing requirements. A DUI violation typically increases premiums by 80–150%, while uninsured accidents and suspended license filings add 50–100% to baseline rates. Georgia's competitive non-standard market creates meaningful rate variation, making multi-carrier comparison essential.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharge, often 80–150% above baseline rates
- SR-22 filing duration: longer requirement periods (3+ years) signal greater risk to insurers
- Prior insurance lapse: gaps in coverage add 30–60% to premiums even after reinstatement
- Geographic rating: Atlanta metro rates run 15–25% higher than rural Georgia due to claim frequency
- Credit-based insurance score: Georgia allows credit-based pricing, magnifying rate increases for drivers with violations and credit challenges
- Carrier selection: non-standard carriers show rate spreads of 40–70% for identical profiles, making comparison critical
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Georgia's 25/50/25 minimum is insufficient for most accidents; a single hospitalization can exceed $50,000.
SR-22 Insurance
A certificate filed by your insurer with the Georgia Department of Driver Services proving continuous coverage. Required for DUI, uninsured accidents, and license suspensions.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers offer same-day SR-22 filing and flexible payment plans.
Full Coverage
Liability, collision, and comprehensive combined. Protects your vehicle and others; required by lenders on financed cars regardless of driving record.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Not required in Georgia, but 12–14% of state drivers operate uninsured.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Deductibles range from $500 to $2,000; higher deductibles lower premiums.
