Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Drivers with DUI convictions, at-fault uninsured accidents, excessive violations, or license suspensions typically must file SR-22 proof of insurance with the Georgia Department of Driver Services (DDS) and maintain it for 3 years. State minimums are often insufficient for high-risk drivers facing elevated liability exposure, and non-standard carriers frequently require higher limits to write coverage.
How Much Does Car Insurance Cost in Georgia?
High-risk auto insurance in Georgia costs substantially more than standard coverage due to violation severity, SR-22 filing requirements, and reduced carrier competition. Drivers with a DUI, suspension, or uninsured accident typically pay $200–$400/mo ($2,400–$4,800/year), compared to $100–$150/mo for clean-record drivers. Non-standard carriers dominate this market and often impose minimum coverage thresholds, monthly payment surcharges, and higher down payments.
What Affects Your Rate
- Violation type and severity: DUI convictions increase rates 80%–250%, while single at-fault accidents typically add 40%–80%
- SR-22 filing requirement: adds $15–$50 filing fee plus 50%–150% premium surcharge depending on underlying violation
- Credit-based insurance score: Georgia permits credit-based rating, and high-risk drivers with poor credit face combined surcharges of 100%–300%
- Geographic location: metro Atlanta rates run 20%–40% higher than rural Georgia due to accident frequency and uninsured motorist rates
- Carrier availability: non-standard market has fewer competitors in Georgia, limiting rate shopping and increasing average premiums
- Length of time since violation: rates decline 10%–30% per year after the violation date if no new incidents occur, with most drivers returning to near-standard rates 5–7 years post-violation
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Georgia requires 25/50/25 minimums, but a single serious accident can exceed these limits and expose personal assets.
SR-22 Filing
Certificate filed by your insurer with Georgia DDS proving continuous liability coverage. Required for 3 years following DUI, suspension, or uninsured accident.
Non-Standard Auto Insurance
Specialized policies for high-risk drivers with recent violations, suspensions, or SR-22 requirements. Non-standard carriers accept profiles that standard insurers decline.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance or insufficient coverage. Georgia does not require UM/UIM but insurers must offer it at liability-matching limits.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal responsibility and your own vehicle. Required by lenders for financed or leased cars.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, minus your deductible. Optional unless required by a lender.
