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Reinstatement Coverage — Georgia

Reinstatement coverage refers to the auto insurance policy you must obtain to satisfy Georgia's proof-of-insurance requirement after a license suspension—not a separate coverage add-on, but the liability policy itself that proves financial responsibility.

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What Is Reinstatement Coverage Insurance?

Reinstatement coverage is the auto insurance policy Georgia requires you to carry to regain your driving privileges after suspension. If your suspension was due to DUI, excessive points, driving uninsured, or certain other violations, you must also attach an SR-22 certificate to this policy—a form your insurer files with the Georgia Department of Driver Services proving you maintain continuous coverage. The coverage itself protects other drivers you injure; the SR-22 filing proves to the state that you bought and are maintaining that coverage.

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Who Needs Reinstatement Coverage Insurance?

You need reinstatement coverage if your Georgia license is currently suspended and you want to drive legally again—either through full reinstatement or a Limited Driving Permit. Drivers whose suspension was caused by DUI, reckless driving, driving uninsured, accumulating 15+ points in 24 months, or refusing a chemical test must carry this coverage with SR-22 filing for 3 years post-reinstatement. Non-owner policies are the correct choice if you do not own a vehicle but need to prove financial responsibility to reinstate your license or maintain a hardship permit.

Buy reinstatement coverage immediately if you are applying for a Limited Driving Permit or are within 30 days of your eligibility date for full reinstatement—SR-22 filing takes 24-48 hours to process and DDS will not approve your permit or reinstatement without proof of active coverage. Choose non-owner coverage if you do not own a vehicle and will not be the primary driver of any car; choose standard coverage if you own or regularly drive a specific vehicle.

How Much Does Reinstatement Coverage Insurance Cost?

Suspension cause—DUI-related suspensions produce higher premiums than administrative suspensions for unpaid tickets or child support because carriers classify DUI as major violation.

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