Suspended License Insurance — Georgia
Georgia requires 25/50/25 liability coverage and is an at-fault state.
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Georgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$200
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
Georgia operates under a tort liability system and requires proof of financial responsibility for license reinstatement after suspension. The Georgia Department of Driver Services administers reinstatement and determines whether SR-22 filing is required based on suspension cause. DUI, reckless driving, and certain repeat violations trigger mandatory SR-22 filing for 3 years post-reinstatement.
Liability Insurance
SR-22 Insurance
Non-Owner SR-22
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Georgia
$316–$423/mo
Typical monthly rate in Georgia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Have Your Georgia Proof of Insurance Ready
Get My Georgia Suspended License Insurance QuoteIf your license is suspended
Limited Driving Permit
application fee $32.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Do I need insurance if my Georgia license is suspended?
Yes, Georgia requires proof of continuous liability insurance to reinstate a suspended license, even if you're not currently driving. If your suspension includes SR-22 filing requirements, you must maintain an active SR-22-backed policy for the entire 3-year period or your reinstatement eligibility resets. Letting coverage lapse during suspension triggers automatic re-suspension and restarts the SR-22 clock.
How long does Georgia require SR-22 filing after a DUI?
Georgia requires 3 years of continuous SR-22 filing after DUI conviction, measured from the reinstatement date, not the conviction date. Any lapse in SR-22 coverage during the 3-year period triggers automatic license re-suspension and restarts the 3-year requirement from zero. The Georgia Department of Driver Services receives electronic notification within 24 hours when your insurer cancels an SR-22 policy.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Georgia Department of Driver Services. Required after DUI, reckless driving, serious violations, or driving without insurance.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to satisfy reinstatement requirements. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Georgia's required 25/50/25 minimums are the baseline for reinstatement.
Non-Standard Auto Insurance
High-risk insurance for drivers with suspended licenses, DUIs, lapses, or multiple violations who don't qualify for standard carrier rates. Fulfills all state filing and reinstatement requirements.
Uninsured Motorist Coverage
Pays your medical expenses and lost wages when an at-fault driver has no insurance. Georgia requires insurers to offer UM coverage, and it's included automatically unless you reject it in writing.