Updated April 2026
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 Auto Insurance Rates in Georgia
Find Your City in Georgia
Sources
- Georgia Department of Driver Services - SR-22 and Financial Responsibility Requirements
- Georgia Department of Insurance - Minimum Auto Insurance Coverage Standards
- Georgia Code Title 40 - Motor Vehicles and Traffic