Minimum Coverage Requirements in Georgia
Georgia requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers convicted of DUI, caught driving without insurance, or accumulating 15 points in 24 months typically must file SR-22 proof of financial responsibility with the Georgia Department of Driver Services. High-risk drivers often need coverage above state minimums to satisfy SR-22 requirements and protect against future violations.
How Much Does Car Insurance Cost in Georgia?
High-risk auto insurance in Georgia typically costs $200–$400/mo ($2,400–$4,800/year) depending on violation type, age, location, and coverage level. DUI convictions carry the highest surcharges — often 80–150% above standard rates — while at-fault accidents and speeding tickets add 20–50%. Rates decline as violations age off your record, with most drivers seeing meaningful reductions after 3 years of clean driving.
What Affects Your Rate
- Violation type: DUI adds 80–150% to base rates; at-fault accidents add 20–50%; speeding tickets add 15–30%
- Points on license: Georgia suspends licenses at 15 points in 24 months; drivers near the threshold face surcharges even before suspension
- SR-22 filing requirement: the filing itself costs $15–$35, but being classified as high-risk raises underlying premiums significantly
- Time since violation: most insurers reduce surcharges after 3 years; DUI surcharges may persist for 5–7 years
- Location: Atlanta metro drivers pay 15–25% more than rural Georgia drivers due to accident frequency and theft rates
- Age and gender: drivers under 25 with violations face compounded high-risk surcharges, often paying $400–$600/mo for full coverage
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Georgia requires 25/50/25 minimums, but a serious accident can exceed these limits quickly, leaving you personally liable for the difference.
Full Coverage
Combines liability, collision, and comprehensive insurance. Not required by Georgia, but lenders mandate it on financed or leased vehicles.
Non-Standard Auto Insurance
Specialized coverage for drivers who cannot obtain standard insurance due to DUI, SR-22 requirements, multiple violations, or suspensions. Rates are 50–150% higher than standard market.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you're hit by an uninsured driver. Georgia requires insurers to offer it, but you can reject it in writing.
SR-22 Insurance
SR-22 is a certificate your insurer files with the state proving you carry liability insurance. It's required after DUI, uninsured accidents, or accumulating 15 points in 24 months.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Required by lenders on financed vehicles.
