Suspended License Insurance — Georgia
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Frequently Asked Questions
Do I need SR-22 insurance if my license is suspended in Georgia?
You need SR-22 if your suspension resulted from DUI, reckless driving, excessive points, or driving without insurance. Administrative suspensions for unpaid fines, child support, or failure to appear typically do not require SR-22 unless the underlying violation was insurance-related. Georgia DDS will mail you a notification specifying whether SR-22 is required for your reinstatement. Most DUI and major violation suspensions require 3 years of continuous SR-22 filing.
Can I get car insurance with a suspended license in Georgia?
Yes. Georgia insurers will sell you a policy while your license is suspended because you need active coverage to file SR-22 and complete reinstatement. If you don't own a vehicle, you buy a non-owner policy that covers you when driving a borrowed or rental car. If you own a vehicle, you maintain a standard policy even though you cannot legally drive it during suspension. Coverage must be continuous — any lapse resets your SR-22 filing period.
How long does SR-22 filing last in Georgia?
Georgia requires 3 years of continuous SR-22 filing for DUI and major violation suspensions, measured from the date your SR-22 is filed and your license is reinstated — not from your conviction date. The clock resets to zero if your insurance lapses at any point during those 3 years. After 3 years without lapses, your insurer notifies DDS that SR-22 is satisfied, and you can switch to a standard policy without filing requirements.
Do I need insurance if I don't own a car but my license is suspended?
Yes, if Georgia requires SR-22 for your reinstatement. You cannot reinstate without proof of insurance, even if you don't own a vehicle. You buy a non-owner policy that satisfies the SR-22 requirement and covers you when driving borrowed or rental cars. If SR-22 is not required for your suspension type, you are not legally required to carry insurance while suspended, but you will need coverage before driving again.
What is the difference between SR-22 and FR-44 in Georgia?
Georgia does not use FR-44. FR-44 is required only in Florida and Virginia for certain DUI convictions and mandates higher liability limits than SR-22. Georgia uses SR-22 for all high-risk filings, regardless of violation type. If you move to Georgia from Florida or Virginia with an active FR-44 requirement, contact your state of conviction to confirm whether Georgia SR-22 satisfies your obligation.
How long does it take to get SR-22 filed in Georgia?
Your insurer files SR-22 electronically with Georgia DDS the same day or within 24 hours of policy purchase. DDS processes the filing within 1–3 business days, and you can check your eligibility status online at the DDS website. You cannot reinstate your license until DDS confirms SR-22 is on file, so purchase insurance at least 5 business days before your planned reinstatement date to avoid delays.
Is this site legitimate or a scam?
This site is a licensed insurance comparison service that connects you with carriers offering suspended license and SR-22 policies in Georgia. We do not sell insurance directly — we pass your information to licensed agents and insurers who compete for your business. The service is free because participating carriers pay us a referral fee when you purchase a policy. You are never required to buy, and submitting information does not obligate you to anything.
What happens to my information when I submit it?
Your information is sent to licensed Georgia insurance agents and carriers who can offer SR-22 or non-owner policies. They contact you by phone, email, or text with quotes. We do not sell your information to unrelated third parties or non-insurance marketers. You can request removal from our system at any time by contacting us directly. Agents may continue to contact you based on their own retention policies after the initial quote.
Why is this service free?
Carriers and agents pay us a referral fee when you purchase a policy through a connection we facilitate. You pay nothing to compare quotes — the cost is built into the carrier's standard marketing budget, not added to your premium. Whether you use this site or contact an insurer directly, your rate is determined by your driving record, coverage selections, and the carrier's filed rates, not by how you found them.
