Georgia SR-22 & License Reinstatement Guide
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
State Requirements
Georgia operates as a traditional tort state, meaning at-fault drivers are liable for damages they cause. All drivers must maintain continuous liability coverage and carry proof of insurance at all times. The Georgia Department of Driver Services requires electronic verification of coverage through the Georgia Electronic Accident Reporting System (GEARS), which alerts the state if your policy lapses.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Cost Overview
$316–$423/mo
Typical monthly rate in Georgia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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 SR-22 insurance to reinstate my license in Georgia?
SR-22 filing is required in Georgia for DUI convictions, reckless driving, driving without insurance, accumulating 15 or more points in 24 months, and certain repeat violations. Administrative suspensions for unpaid fines or child support typically do not require SR-22, though you must still prove continuous insurance coverage. Contact Georgia DDS at 678-413-8400 to confirm your specific reinstatement requirements based on your suspension reason.
Coverage Types
SR-22 Insurance
An SR-22 is a certificate your insurer files with Georgia DDS proving continuous liability coverage for three years following suspension for DUI, reckless driving, excessive points, or driving uninsured. Your policy cannot lapse even one day or your license is re-suspended immediately.
Non-Owner SR-22
Provides liability coverage and SR-22 filing for drivers who don't own a vehicle but need to meet Georgia's reinstatement requirements. Covers you when driving borrowed or rented vehicles and satisfies proof-of-insurance mandates during suspension.
Liability Insurance
Covers bodily injury and property damage you cause to others in at-fault accidents. Georgia's 25/50/25 minimum is often insufficient—serious accidents frequently exceed these limits, exposing you to personal asset seizure through civil judgments.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage to pay your medical bills and vehicle damage. You must reject this coverage in writing in Georgia—it's automatically included otherwise.
Non-Standard Auto Insurance
Specialized coverage for high-risk drivers including those with DUI convictions, multiple violations, suspended licenses, or lapses in coverage. Non-standard carriers accept drivers that standard insurers reject or price prohibitively.
Hardship & Limited Driving Permits
Georgia offers limited driving permits for certain suspended drivers, allowing travel to work, school, medical appointments, and court-ordered programs. Eligibility and restrictions depend on suspension type—DUI first offenders may qualify after 30 days, while habitual violators face stricter limits.