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.

25/50/25 (typical minimum)

SR-22 Insurance

SR-22 is not a type of insurance—it's a certificate your insurer files with the state proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing, so you'll need a non-standard insurer that specializes in high-risk drivers. The filing itself costs $25–$50, but the underlying insurance premium increases significantly.

Varies by carrier

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These policies typically cost 60–140% more than standard rates, but they're often the only option available immediately after a major violation. Most non-standard carriers in Georgia offer SR-22 filing as part of their service.

25/50/25 (typical minimum)

Liability Insurance

Liability coverage pays for damage you cause to others. Georgia typically requires 25/50/25 minimum limits ($25,000 per person for bodily injury, $50,000 per accident, $25,000 for property damage), but many violation drivers carry higher limits to avoid out-of-pocket exposure. If you're required to file SR-22, your liability policy is what the certificate proves you maintain.

Varies by carrier

High-Risk Auto Insurance

High-risk auto insurance is the broader category that includes non-standard policies for drivers with violations, DUIs, or suspensions. In Georgia, high-risk carriers typically offer both liability-only and full coverage options, though collision and comprehensive become significantly more expensive after a major violation. Some drivers choose liability-only during the SR-22 period to minimize costs.

State-Mandated Minimum Coverage · Georgia

Georgia Minimum Coverage

Coverage	Minimum
Bodily Injury (per person)	$25,000,000
Bodily Injury (per accident)	$50,000,000
Property Damage	$25,000,000

License Reinstatement Fee$200

Meeting the state minimum keeps you legal. See whether it's enough — get your Georgia quote.

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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.

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

Minimum Liability Only

$180–$280/month

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

$240–$360/month

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

$320–$520/month

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.