How Much Does SR22 Insurance Cost in Georgia?

How Much More Does SR22 Insurance Cost Compared to Regular Car Insurance in Georgia?

Unfortunately, having an SR22 typically translates to higher car insurance premiums compared to regular car insurance. The exact increase depends on various factors, including:

• The violation that led to the SR22 requirement: More severe offenses like DUIs usually result in steeper premium hikes.
• Your driving history: A clean driving record can help mitigate the cost increase associated with SR22 car insurance. This can help in securing inexpensive SR22 insurance.
• Your age and experience: Younger drivers and those with limited experience generally pay higher auto insurance rates, and an SR22 can further amplify the cost.
• Your car insurance company: Different insurers have varying pricing structures for SR22 insurance.

While it’s challenging to pinpoint an exact figure, estimates suggest SR22 insurance in Georgia can cost anywhere from $551 to $1,660 annually, depending on the factors mentioned above. This translates to a potential increase of $336 to $795 per year compared to regular car insurance.

Here’s a breakdown of estimated annual costs for SR22 insurance in Georgia based on violation type (source: Money Geek):

• DUI: Minimum Coverage – $795, Full Coverage – $1,660
• Non-DUI: Minimum Coverage – $551, Full Coverage – $1,094

It’s important to note: These are just estimates, and your actual cost may differ.

How Long Does an SR22 Stay on My Record?

The duration of your SR22 requirement varies depending on the violation and the court’s ruling. Here’s a general guideline:

• DUI: Typically requires an SR22 filing for 3 years in Georgia.
• Other Violations: The filing period may range from 2 to 3 years, depending on the specific violation.

It’s crucial to fulfill the entire SR22 filing period mandated by the court. Failure to do so can result in license suspension and potential reinstatement hurdles.

Can I Get Inexpensive SR22 Insurance in Georgia?

While SR22 insurance generally comes at a premium, there are strategies to potentially to find Cheap insurance for SR22:

• Shop around: Comparing auto insurance quotes from multiple insurance companies is essential. Rates can vary significantly, so getting quotes from several providers can help you find the most affordable SR22.
• Maintain a clean driving record: Avoiding further traffic violations during your SR22 filing period demonstrates responsibility and might lead to the lowest car insurance premiums when the requirement ends.
• Ask about discounts: Some insurers offer discounts for completing defensive driving courses, maintaining good grades (for younger drivers), or insuring multiple vehicles with the same company gets you cheap insurance.
• Consider non-owners SR22 insurance: If you don’t currently own a vehicle, you might be eligible for non-owners SR22 insurance, which will get you low cost insurance and it’s  cheaper than SR22 insurance for owned vehicles.

What Happens if My SR22 Insurance Lapses in Georgia?

Letting your SR22 insurance lapse can have serious consequences. Here’s what you can expect:

• Your auto insurance company will notify the Georgia DDS: Upon a lapse in coverage, your insurer is legally obligated to inform the DDS.
• License Suspension: The DDS will likely suspend your driver’s license, preventing you from legally operating a vehicle in Georgia.
• Reinstatement Challenges: To regain driving privileges, you’ll need to:
  • Repay any outstanding insurance premiums to your insurance company.
  • File a new SR22 filing, potentially restarting the filing period mandated by the court.
  • Pay reinstatement fees to the DDS.
• Potential Difficulty Obtaining Inexpensive Auto Insurance: A lapse in SR22 coverage can negatively impact your car insurance record, making it more challenging and expensive to obtain affordable car insurance in the future.

Here are some additional tips to avoid an SR22 lapse:

• Set up automatic payments: Opting for automatic payments ensures your insurance is paid on time, preventing a lapse due to forgetfulness.
• Choose a payment plan that works for you: Discuss flexible payment options with your automobile insurance company to avoid falling behind on payments.
• Communicate with your insurer: If you encounter financial difficulties that might impact your ability to pay your insurance, contact your vehicle insurance company as soon as possible. Explain your situation and ask if they have low income auto insurance. They might be able to offer solutions.