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Need an SR-22 Quote in Georgia?
If you recently got caught driving without car insurance in Georgia or if you were charged with a DUI, then you’ll likely need to file an SR-22 form. An SR-22, which stands for “Safety Responsibility,” is a document that proves to the Georgia Department of Driver Services (DDS) that you have adequate auto insurance coverage. An SR-22 is also known as a “certificate of financial responsibility.”
Know the Law About Georgia SR-22s
You’ll be notified by letter or at your court hearing if you need an SR-22 to continue driving. In Georgia, you can be required to file an SR-22 if you’re convicted of a major traffic violation, including:
- Driving while uninsured or underinsured
- Reckless driving
- Driving without a valid license
- Repeat offenses in a short period of time, such as multiple speeding tickets
How Much Does SR-22 Insurance Cost in Georgia?
Most insurance companies charge between $15 and $25 to file an SR-22 in Georgia. Your SR-22 must be filed every time you renew your policy or every six months.
If you need to file an SR-22A, keep in mind that Georgia requires that you pay for your insurance policy upfront before filing the SR-22A.
Southern Harvest Insurance can help you find affordable insurance in Georgia and file an SR-22.
What is the Difference Between an SR-22 and SR-22A in Georgia
Georgia is one of the few states that uses SR-22A forms as well as SR-22s.
Generally, you will be required to file an SR-22 for offenses such as:
- Driving without insurance and being involved in an at-fault accident
- Major traffic violations
- Multiple tickets within a short period of time
You’ll likely be required to file an SR-22A for these offenses:
- Driving without insurance but not involved in an at-fault accident
- Allowing your insurance to lapse multiple times
- Not paying a court-ordered judgment
If you’re charged with one of these offenses, the court will inform you whether you need an SR-22A or SR-22.
If it turns out that you don’t need an SR-22, that doesn’t mean that insurance still isn’t important! You’ll still need to maintain the minimum liability insurance required in Georgia. Your insurance ID cards would provide adequate proof of insurance coverage.
Filing an SR-22 in Georgia
Your auto insurance company can only file an SR-22 or SR-22A. Before filing the SR-22 on your behalf, the insurance company must first verify that your insurance coverage meets the minimum coverage requirements in Georgia.
After your auto insurance company files the SR-22, the Georgia DDS will then reinstate your license, assuming you’ve met any additional requirements for license reinstatement (for example, community service and fines).
Yes. Though it’s common to hear about “SR-22 insurance,” keep in mind that the SR-22 is only a form that your insurance company files with the Georgia DDS. It’s only possible to file an SR-22 when you can prove that you have adequate car insurance.
Not every auto insurance company offers SR-22 insurance. If your current insurance doesn’t, then you’ll need to look for a new auto insurance company that can file your SR-22 in addition to providing insurance coverage. Otherwise, your current insurance company may cancel your coverage!
If you have additional insurance policies with your old insurance company, then it might make sense to move all of your policies to the new insurance so that you can save the most money by bundling insurance coverage.
Do You Need to File an SR-22 for Collision Insurance?
No. The SR-22 insurance requirements only apply to the minimum legally required liability insurance in Georgia. However, you may still be required to maintain collision insurance if you’re leasing or financing your car.
What if You Don’t Own a Car?
You can be required to have SR-22 insurance whether you own a car or not. If you don’t own a car, you will need to purchase a non-owner auto insurance policy, covering you if you rent a car or borrow someone else’s car. Your insurance company will then file the SR-22 with Georgia once your non-owner policy is active.
How Long Will You Need SR-22 Insurance in Georgia?
Typically, Georgia requires that an SR-22 form be filed for three years. However, a court can require a driver to file an SR-22 for longer than that for repeat or serious offenses.
What Happens if You’re Not a Resident of Georgia?
If you’re convicted of a major traffic offense while visiting or driving through Georgia, then you can still be required to have SR-22 insurance just like any other Georgia resident. While you’re required to file an SR-22 in Georgia, your auto insurance must meet the minimum insurance requirements in Georgia, even if your home state has lower insurance requirements. You’ll also need to make sure that your car insurance company can do business in Georgia as well as your home state.
What Happens if You Move Out of Georgia While Needing an SR-22?
Your obligation for SR-22 insurance in Georgia doesn’t disappear once you leave the state. If you move outside of Georgia while still needing to file an SR-22 with the Georgia DDS, then you will still need to file an SR-22 in Georgia until the filing period is up. The insurance in your new state must still be at least the minimum required insurance coverage in Georgia, even if your new state has lower minimum requirements. In addition, you will need to make sure that your insurance company can do business in both Georgia and your new state.
Once you’ve filed the SR-22 for the required amount of time, you can then adjust your insurance policy to meet the minimum requirements of your home state.
When Should You Stop Filing an SR-22 Certificate?
Once you’re sure that you no longer need to file an SR-22, you can get in touch with your auto insurance company, which can then remove the SR-22 endorsement from your insurance policy. Before you do this, double-check with the Georgia DDS so that you’re absolutely certain that you no longer need to file an SR-22. If you stop filing too early, then your license may be suspended, and you may be required to file an SR-22 for years longer!
Need to File an SR-22? Get a Custom Car Insurance Quote for Georgia Today!
If you were recently ordered to file an SR-22 in Georgia, now is the time to start shopping for the best auto insurance quotes. At Southern Harvest Insurance, we know exactly which insurance companies can file SR-22s. Leave it to us to put together a single quote for you that compares SR-22 auto insurance rates from the best insurance companies in Georgia. All it takes is a few minutes for an online quote, or you can speak to one of our SR-22 insurance experts at one of our 23 offices across Georgia or on the phone at 877-831-4677.