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What Happens to Your Georgia Car Insurance After a DUI

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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 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.

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.

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. Most non-standard carriers in Georgia offer SR-22 filing as part of their service.

Liability Insurance

Liability coverage pays for damage you cause to others. If you're required to file SR-22, your liability policy is what the certificate proves you maintain.

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.

What Drivers Pay in Georgia

$211–$278/mo

Typical monthly rate in Georgia, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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
  • Carrier availability—fewer carriers compete for high-risk drivers in Georgia, limiting your options for rate shopping
  • Coverage level—collision and comprehensive costs increase sharply for high-risk drivers, often doubling the liability-only premium
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, or major violations. Offered by non-standard carriers that specialize in higher-risk profiles and include SR-22 filing when required.

Non-Standard Auto Insurance

Insurance from carriers that accept drivers standard insurers will not cover. Premiums run 60–140% higher than standard rates, but availability is immediate even with recent violations.

SR-22 Insurance

A certificate filed by your insurer proving you carry continuous liability coverage. Required after DUI, uninsured driving, or serious violations. Cannot be purchased separately from an insurance policy.

Liability Insurance

Covers damage you cause to others. The minimum coverage required to maintain SR-22 filing and legal driving status in Georgia.

Find Your City in Georgia

Atlanta

urban

Columbus

urban

Augusta

urban

Macon

urban

Savannah

urban

Athens

suburban

Sandy Springs

suburban

Roswell

suburban

Johns Creek

suburban

Warner Robins

suburban

Albany

urban

Alpharetta

suburban