SR-22 Insurance in Georgia: What You Need to Know About Filing, Costs, and Requirements
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Everyone makes mistakes — it's a fact of life. Unfortunately, mistakes typically have consequences. Sometimes, the consequences are minor, and other times, they are more painful. SR-22 insurance in Georgia is an example of the more painful kind (financially speaking).
If you're required to file an SR-22 form because of certain driving offenses, the process can seem daunting. Thankfully, this guide was made for you. So, take a breath and dive in.
What Is SR-22 Insurance in Georgia? Understanding the Basics
While often referred to as SR-22 insurance, SR-22 is actually a document or certification verifying you have required insurance coverage for your vehicle in Georgia. You might also hear it referred to as a certificate of financial responsibility.
In Georgia, the document acts as proof of insurance for high-risk drivers. It proves you meet the minimum coverage limits required by the state:
- $25,000 per person for bodily injury
- $50,000 per accident for total bodily injury
- $25,000 per accident for property damage
The SR-22 certificate is just one way Georgia tries to keep its roads safe. While complying with an SR-22 requirement might sting, it's better than paying out of pocket after an accident.
Who Needs SR-22 Insurance in Georgia?
You might need SR-22 insurance in Georgia if you have a conviction for a serious driving violation. For example, the state or a court might mandate SR-22 coverage following a reckless driving or DUI conviction. The state or a court can also require the document with an insurance policy for drivers who failed to provide proof of insurance after an accident or were found driving with an active license suspension.
Not every violation is vehicle-related. A court can alter driving privileges and saddle you with an SR-22 requirement for unpaid court-ordered child support.
To determine if you need SR-22 insurance in GA, review court documents. The judge should specify the requirement. If you can't find your court papers, you can contact your local Department of Driver Services (DDS) field office or call your insurance company to verify.
How To File SR-22 Insurance With Georgia DDS
When it is time to file the SR-22 form, you'll need to contact your insurance company. The company may file the form on your behalf, but keep in mind that not all insurance providers offer SR-22 services because of the increased risks to the company. Still, many insurers will file the form for clients who meet specific underwriting criteria.
The service to file the form usually costs between $15 and $25. Once your insurer files the document, you'll receive a copy. Each filing documents a prepayment of six months of auto insurance in Georgia. You need to file a new form every six months to prove the continuation of your policy.
Duration of SR-22 Insurance Requirement in Georgia
Convicted drivers must maintain SR-22 insurance in Georgia for at least three years. You must file the SR-22 form twice a year or every six months. Depending on their record and ongoing repeat offenses, some people may need to maintain an SR-22 for more than three years. In some cases, a judge might reset the three-year obligation.
Costs of SR-22 Insurance and Its Impact on Premiums
The minimal filing fee for SR-22 insurance in Georgia costs a fraction of the increase in insurance premiums. You can expect to pay between $30 and $50 annually for filing fees, whereas you can expect hundreds, if not thousands, of dollars more in insurance premiums.
Finding cheap car insurance in Georgia is nearly impossible when you have a driving conviction and must file regular SR-22 forms. The increase in premiums is because of the increased risks to the insurer. High-risk drivers are more likely to file claims. That's part of why many insurers won't cover drivers who need SR-22 coverage.
Tips for Managing SR-22 Insurance Effectively
While maintaining SR-22 insurance in Georgia can feel overwhelming, there are ways to manage the requirement and make it more financially manageable. First, you need to find an affordable Georgia car insurance policy that accepts SR-22 drivers. Don't let the fear of not finding an insurer pressure you into accepting the first quote you receive. It's always best to shop around and compare policies.
Once you have a few policy options, see if you can lower your premiums. You must maintain state minimums, but you might be able to increase your deductible or qualify for certain discounts. Talk to an insurance agent to really get a feel for your options.
Finally, maintain a clean driving record going forward. Three years might sound like forever right now, but it's only 36 short months. If you can avoid more traffic violations, your premiums might drop significantly at the end of the SR-22 period.
How To Maintain Continuous Coverage and Avoid Penalties
Insurance companies are for-profit entities, meaning they are in business to make money. If you forget to make a payment or are routinely late, your insurer might drop your policy.
To avoid any interruptions to your auto insurance policy, it's essential to adopt good habits:
- Pay your premiums on time: Setting up automatic payments can avoid coverage lapses and late fees.
- Be mindful of renewal notices: Insurers always send reminders to re-up your coverage before it expires. Don't ignore the notices.
- Notify your insurer of vehicle changes: If you sell, buy, or modify your vehicle, let your insurer know. Changes to your vehicle often affect your premiums.
Staying on top of your insurance policy and communicating with your insurer can help you avoid penalties — and save money.
Compare SR-22 Insurance Rates Today: Find Affordable Coverage
SR-22 policies are expensive. Even if you made a mistake, you deserve a fair price for insurance coverage. Use EverQuote to compare several policies and quotes and find the one that meets your needs for the lowest price.