Minimum Coverage Requirements in Georgia
Georgia operates under a traditional tort liability system and requires all drivers to maintain proof of insurance with minimum limits of 25/50/25. After a DUI conviction, Georgia law mandates SR-22 certificate filing for 3 years, ignition interlock device installation for the full restricted driving period, and completion of a DUI Alcohol or Drug Use Risk Reduction Program before any hardship application is reviewed.
Meeting the state minimum keeps you legal. See whether it's enough — get your Georgia quote.
Get your Georgia quoteHow Much Does Car Insurance Cost in Georgia?
DUI convictions move Georgia drivers into the high-risk SR-22 classification, typically tripling premiums. Monthly costs range from $180–$280 for minimum liability with SR-22 filing, compared to $85–$120 for standard drivers. Total first-year hardship costs — application fee, IID install, monthly IID monitoring, SR-22 filing, and premium increases — typically reach $4,500–$7,200.
What Affects Your Rate
- Blood alcohol content at arrest — BAC .15 or higher moves you into aggravated DUI classification in Georgia, which extends the SR-22 filing period and eliminates hardship eligibility for 12 months instead of 120 days.
- County of conviction — Atlanta metro counties process hardship applications through administrative hearings at the Department of Driver Services, while rural counties often require Superior Court petitions with higher legal costs.
- Age and gender — male drivers under 25 with DUI convictions pay 40–60% more than drivers over 30 for the same SR-22 policy in Georgia.
- Prior violations in the 5-year lookback period — a second DUI within 5 years disqualifies you from Limited Driving Permit eligibility entirely and requires full license reinstatement after the suspension period ends.
- Vehicle type and value — ignition interlock installation costs are higher for European and luxury vehicles due to wiring complexity, and some IID providers refuse to service certain models.
- Zip code density — DeKalb, Fulton, and Gwinnett counties carry 25–35% higher SR-22 premiums than rural Georgia counties due to congestion and higher claim frequency.
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Get Your Free QuoteCoverage Types
SR-22 Insurance
State-mandated proof of insurance filing required for 3 years after any DUI conviction in Georgia. Your insurer submits electronic certification to the Department of Driver Services — any lapse triggers automatic suspension.
Non-Owner SR-22
Liability-only policy that satisfies Georgia's SR-22 requirement without insuring a specific vehicle. Covers you when driving borrowed or rental cars.
Ignition Interlock Insurance
Coverage for vehicles equipped with court-ordered breath-test ignition interlock devices. Some carriers refuse IID-equipped vehicles or add surcharges.
Liability Insurance
Minimum required coverage in Georgia: 25/50/25. Covers injury and property damage you cause to others, but not your own vehicle or medical bills.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Georgia requires carriers to offer it, and you must reject it in writing.
Non-Standard Auto Insurance
High-risk insurance market for drivers with DUI convictions, multiple violations, or lapses. Premiums are higher but acceptance rates are better than standard carriers.
