Georgia SR-22 & High-Risk Auto Insurance

Georgia mandates 25/50/25 liability minimums for all drivers. High-risk drivers with SR-22 requirements should consider higher limits — 50/100/50 or 100/300/100 — because a single at-fault accident exceeding state minimums can trigger personal asset exposure and further license complications. Many non-standard carriers in Georgia require 50/100/50 as their minimum underwriting threshold for DUI or suspension cases.

SR-22 is not a separate policy but a certificate filed by your insurer with Georgia DDS proving you carry continuous coverage. If your policy lapses for any reason during the 3-year requirement, the insurer must notify DDS within 10 days, triggering an immediate license suspension and restarting the 3-year clock from zero when you refile.

Georgia does not mandate uninsured/underinsured motorist (UM/UIM) coverage, but insurers must offer it at limits matching your liability selection.

Full coverage combines state-required liability with comprehensive and collision protection for your own vehicle.

Non-standard carriers specialize in high-risk profiles and are often the only option for drivers with recent DUI convictions, multiple violations, or SR-22 requirements.