What Happens to Your Georgia Car Insurance After a DUI

Your current insurer will likely non-renew your policy within 30–60 days, Georgia typically requires SR-22 filing for at least 3 years, and your premium will increase 60–140% depending on violation severity. You need non-standard coverage from a carrier that accepts high-risk drivers.

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Updated April 2026

Minimum Coverage Requirements in Georgia

After a DUI, license suspension, or major violation in Georgia, your current insurer will typically send a non-renewal notice—meaning your policy ends at the next renewal date, not immediately. This gives you 30–60 days to find replacement coverage. If you're required to file an SR-22, you'll need a carrier that offers this certificate filing, which not all standard insurers provide. Georgia typically requires minimum liability limits of 25/50/25 during the SR-22 period, and any lapse in coverage restarts the clock on your filing requirement.

How Much Does Car Insurance Cost in Georgia?

Georgia drivers with DUIs or major violations typically see premium increases of 60–140% compared to standard rates, with the exact increase depending on violation severity, driving history, and whether you need SR-22 filing. A driver who paid $150/month for standard coverage can expect to pay $240–$360/month with a non-standard carrier. Rates begin to decrease after 3–5 years if no additional violations occur.

Minimum Liability Only

State minimum 25/50/25 limits with SR-22 filing. Covers your legal requirement but leaves you exposed to out-of-pocket costs in an at-fault accident. Most affordable option during the high-risk period.

Standard Liability

Higher liability limits (50/100/50 or 100/300/100) with SR-22 filing. Provides better protection against lawsuits and out-of-pocket costs. Recommended for drivers with assets to protect.

Full Coverage

Liability plus collision and comprehensive coverage. Required if you have a car loan or lease. Significantly more expensive for high-risk drivers, especially if your vehicle is newer or high-value.

What Affects Your Rate

Violation type—DUI increases rates more than reckless driving or suspended license violations
Time since violation—rates decrease gradually after 3–5 years with no additional incidents
SR-22 filing requirement—adds $25–$50 filing cost plus the higher premium from non-standard classification
Carrier availability—fewer carriers compete for high-risk drivers in Georgia, limiting your options for rate shopping
Location within Georgia—Atlanta and Savannah high-risk rates run 15–25% higher than rural areas due to accident frequency
Coverage level—collision and comprehensive costs increase sharply for high-risk drivers, often doubling the liability-only premium