If you’re convicted of a DUI or other driving offense in the state of Georgia, you may be required to file an SR-22 to get back on the road.
An SR-22 isn’t actually insurance but a document filed with the DMV by your insurance provider to prove that you have an active policy in place.
Here’s how to begin the process of filing an SR-22 in the Peach State.
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Do I need SR-22 insurance in Georgia?
In Georgia, you may need to file an SR-22 if:
- You’re convicted of a DUI or DWI.
- The state restricts or revokes your license.
- You’ve reached your point limit due to unpaid tickets or traffic violations.
- You’ve racked up repeated traffic violations, such as reckless driving.
- You’re in an accident and fail to compensate the other driver.
Georgia requires one of three types of SR-22 forms:
- Non-owner operator’s certificate. Covers drivers who don’t own a vehicle.
- Owner’s certificate. Covers cars you own, whether you regularly drive them or not.
- Owner–operator’s certificate. Covers all vehicles you drive, even if you don’t own them.
Each form requires your insurance provider to prepare and include them with your insurance policy.
What is the difference between an SR-22 and SR-22A?
An SR-22 is required for drivers who are convicted of three or more violations within a five-year period.
More common in Georgia, SR-22As are for drivers convicted of only one or two violations over a five-year period. You might need one if you’re caught driving without insurance or with a suspended license.
What if I don’t have a car or license?
Even if you don’t own a car or regularly drive, Georgia could require you to file an SR-22A. If you purchase a vehicle you can convert your non-owner policy to an owner-operator policy.
What if I’m from another state?
If you’re from another state, you’re typically required to maintain an SR-22 to legally drive in Georgia. Call with your local DMV to ensure that you have proper coverage before you get back on the road.
How much will an SR-22 cost in Georgia?
You’ll likely be charged a filing fee by whichever provider you choose. This fee can range from $20 to $40 depending on the insurer.
The fee for your SR-22 is probably the least expensive part of the process. Once you’re marked as a high-risk driver, your insurance premiums are bound to increase.
How do I file for an SR-22 in Georgia?
Contact a state-authorized insurance agency to request for a SR-22 or SR-22A filing. You’ll pay a fee that varies by agency, and you could be required to pay your full coverage up front.
The state of Georgia requires minimum coverage that includes:
- $25,000 for injury or death to one person.
- $50,000 for injury or death to two or more people.
- $25,000 for property damage.
Your insurance agent will file an SR-22 request directly to the Georgia Department of Driver Services on your behalf.
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How long will I need an SR-22 for in Georgia?
Georgia could require you to maintain an SR-22 or SR-22A for at least three years. This requirement could increase, depending on your driving offense. It can also decrease depending on your driving after the mandate and your level of risk.
What happens if I let my SR-22 lapse?
If you don’t renew your insurance at least 15 days before the expiration date or you fail to pay your premiums, your provider will cancel your SR-22 and notify the state. In turn, the state may suspend your license until you get everything back in order.
If you have to renew your SR-22 due to a lapse in coverage, it might mean a “reset” on your requirement period. Stay on top of your renewals to avoid extending your SR-22 requirement.
What happens when I don’t need SR-22 coverage anymore?
After your requirement period has passed you’ll be able to freely change insurance plans if there have been no extensions. In order to avoid any costly mistakes it’s wise to check with your insurance and the DMV before making any changes.
Bottom line
Georgia carries both SR-22 and SR-22A mandates that may be passed down depending on your driving record. You’re wholly responsible for keeping up on your insurance payments and any additional filing, so it’s important to be thorough and timely to avoid resetting your requirement period.
You’ll likely still have several providers to choose from, even with a mark on your record. Compare policies from different insurers before you settle to get the one that best meets your needs.
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