Georgia Suspended License Insurance
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Insurance After License Suspension

Whether you need an SR-22 filing, a non-owner policy to reinstate without a car, or liability coverage for a hardship license, we break down Georgia requirements and what you'll pay.

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How It Works

  1. Enter your ZIP code and tell us about your suspension type

  2. Get matched with carriers who write policies for suspended license drivers in your state

  3. Choose your coverage and your insurer files any required SR-22 directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A man in a black cap and dark fleece jacket sits in a vehicle's driver seat, fastening his seat belt, with a steering wheel in the foreground and blurred trees visible through the side window.SR-22 InsuranceAn SR-22 is a certificate your insurer files with the state proving you carry minimum liability coverage. Georgia requires it for 3 years following DUI convictions, at-fault uninsured accidents, and repeat violations.A woman with long blonde hair sits in the driver's seat of a vehicle, holding a phone to her ear, seen through the windshield.Non-Owner SR-22Non-owner policies provide liability coverage without insuring a specific vehicle. Monthly premiums average $40-$70 in Georgia, compared to $120-$180 for standard SR-22 policies covering owned cars.A woman sitting in the driver's seat of a car, holding a phone to her ear and looking out the side window, seen through the windshield.Liability InsuranceGeorgia minimum liability limits are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Most suspended license drivers need at least these minimums to reinstate.Driver's point of view at night, with two hands gripping a steering wheel in front of an illuminated instrument cluster and a dark road with oncoming lights through the windshield.Uninsured Motorist CoverageGeorgia insurers must offer UM coverage in amounts matching your liability limits. Drivers with previous lapses often add this to protect against other uninsured drivers, given the state's 12% uninsured motorist rate.A hand holds a key ring with a key and a black remote fob above a wooden table where a pen rests on a stack of printed documents, with a blurred kitchen in the background.Non-Standard Auto InsuranceNon-standard carriers specialize in high-risk drivers, including those with suspended licenses, DUIs, or multiple violations. Rates run 40-80% higher than standard market, but approval is substantially easier.

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Frequently Asked Questions

Do I need insurance if my license is suspended in Georgia?

Yes, if your suspension stems from DUI, at-fault accidents without insurance, or repeat violations. Georgia DDS requires proof of continuous coverage or an SR-22 filing before reinstatement. If suspended for unpaid fines or child support, insurance may not be mandated, but you cannot drive legally without it once reinstated.

How long does Georgia require SR-22 filing?

Georgia mandates 3 years of continuous SR-22 filing following DUI convictions or major violations. The clock starts from your conviction or violation date, not your filing date. Any lapse in coverage resets the 3-year period.

Can I get a hardship license in Georgia, and does it require insurance?

Georgia does not issue hardship licenses for standard suspensions. Limited Driving Permits are available only for first-offense DUI cases during the suspension period, requiring SR-22 filing, ignition interlock installation, and enrollment in DUI Risk Reduction courses before approval.

What happens if my SR-22 insurance lapses in Georgia?

Your insurer notifies Georgia DDS electronically within 24 hours of a lapse. DDS suspends your license immediately and resets your 3-year SR-22 requirement from the new reinstatement date. You must obtain new coverage, file a new SR-22, and pay reinstatement fees again.

Which insurance companies offer SR-22 filing in Georgia?

Progressive, GEICO, State Farm, Nationwide, and The General all offer SR-22 filing in Georgia. Non-standard carriers like Direct Auto and Acceptance Insurance specialize in high-risk drivers and often approve policies standard carriers decline.