SR-22 Insurance Georgia

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SR-22 Insurance Georgia: What It Is and How Much It Costs

SR-22 insurance in Georgia is mandatory for drivers who have committed a serious traffic violation. This certificate needs to be filed by the convicted driver’s car insurance company. It proves to the state that the driver’s insurance meets minimum liability coverage requirements. SR-22 insurance is generally costlier than a standard auto insurance policy. In Georgia, State Farm offers the cheapest minimum coverage for a DUI, with average rates of $860 per year.

What Is SR-22 Insurance Georgia? Who Needs It? How Do You Get It?

To clarify, SR-22 insurance is not exactly a type of car insurance policy. It is a certificate submitted by your auto insurer to the government after you commit a serious moving violation. The SR-22 form indicates that you meet the state’s minimum car insurance requirements. Insurance after a DUI can be costly, as it is a severe offense. Your auto insurance provider needs to file the SR-22 form on your behalf, but you need to check with them about their policy regarding this service.

How Long Is An SR-22A Required In Georgia?

An SR22A must be maintained for three years with your auto insurance company, according to the Georgia Department of Driver Services. Failure to maintain the form will result in your insurance company reporting you to the state and your license will be canceled.

Can I Add an SR-22 to my Existing Policy or Do I Need New Insurance?

Some insurance companies will not accept a driver who needs SR22 Insurance, so check with your agent. We will be able to tell you whether or not you need a new policy or can simply add one to your existing insurance policy.

We can help you identify a company who can write your SR22 insurance. While many dread having to carry one, we can make it quick and easy and even issue the policy over the phone for you so you can get back on the road. Call our office or request a quote online.

Non-Owner SR-22 Insurance Georgia

Committing a major driving violation in Georgia, such as driving under the influence, may lead to your driver’s license being suspended. SR-22 insurance may be required to get your licenses reinstated, whether or not you have your own vehicle.

Rather than get a standard auto insurance policy, purchasing a non-owner car insurance policy could be a better option. It is ideal for drivers who don’t own vehicles but often borrow cars from friends or family members. Similarly, if you rent a car regularly, this is also a good alternative. A non-owner car insurance policy allows you to file for an SR-22 and carry proof of liability coverage.

On average, you can purchase a non-owner car insurance policy in Georgia for $1,107 per year. However, rates can vary by insurer. By comparing policies from several providers, MoneyGeek determined that USAA offers the cheapest non-owner insurance policy with an average rate of $530 per year. It’s important to note that only current and former military members and their families can purchase their policies. The second most affordable rate comes from State Farm, which offers a similar insurance policy for $572 per year on average.

An Georgia SR22 non-owners insurance policy is a great way for drivers who do not own a motor vehicle and who may not have regular access to a motor vehicle to meet the states drivers license re-instatement insurance requirements. Purchasing non-owners liability coverage will enable drivers to satisfy the states SR22 insurance requirements without owning a vehicle.

There are Three Types of Georgia SR22 Certificates Available:

  • Georgia SR22 Operators Certificate: This covers the driver for the operation of any non-owned vehicle they have been given permission to drive.
  • Georgia SR22 Owners Certificate: This covers the driver to drive any vehicles owned by the driver. The certificate may be issued with the details of the make and model of the drivers automobile or it may cover any vehicle owned by the driver.
  • Georgia SR22 Operators-Owners Certificate: This covers any vehicles owned by the driver and any vehicles that are not owned but the driver has been given permission to drive.

Breath Alcohol Ignition Interlock Device (BAIID) Requirements For Georgia

After your second DUI conviction, the state of Georgia will require you to install an ignition interlock device (IID) in your vehicle. An IID is a device that will prevent your car from starting if it detects alcohol on your breath. Your vehicle will also not start if you refuse to give a breath test.

Who Needs SR-22 Insurance Georgia?

You might need an SR-22 certificate Georgia if you have one of the following offenses on your record:

  • Driving without the state minimum-required insurance
  • Reckless driving
  • Severe or excessive driving violations
  • Driving while under the influence (DUI) or driving while impaired (DWI)

Georgia is one of three states (along with Texas and Missouri) that offers SR-22As in addition to SR-22s. SR-22As are required for habitual offenders—typically, for drivers who have had three or more violations within a five-year period or for those with more serious violations that resulted in misdemeanor or felony charges (such as a DUI or DWI).

An SR-22, or Financial Responsibility for the Future Certificate, is required for drivers with minor or fewer offenses—generally, one to two violations over a period of five years.

Drivers who need SR-22 or SR-22A coverage will be notified by the state or a court of law.

What If You Need An SR22 in a Different State?

It’s not uncommon for people to belong to a certain state and require an SR22 in another one. For instance, if you’re from Minnesota but are a student at the University of North Carolina, you’ll need an SR22 in the latter state.

Keep in mind that not all states require SR22. The states that exempt this policy include:

  • Pennsylvania
  • Delaware
  • Oklahoma
  • Kentucky
  • New York
  • North Carolina
  • New Mexico
  • Minnesota

Let’s say you were required to have an SR22 in Texas, and you move to Georgia. You’ll still have to meet the requirements set by Texas for SR22. That’s why it’s important to shop your policy from a company that offers nationwide and SR22 auto insurance GA.

Meanwhile, if you are a resident of one of the states mentioned above – that don’t need SR22 – but you’ve moved to another state where you need to have an SR22, it won’t be possible for you to get an SR22.

In this case, you’ll have to get permission from the requesting state.

Who has the Cheapest SR-22 Insurance Georgia?

State Farm offers the least expensive SR-22 insurance in Georgia. Its average rate is $860 per year for minimum coverage for a DUI.

Georgia Auto Insurance Requirements

Georgia SR-22 auto insurance is usually required for a period of 3 years after a DUI – drunk driving alcohol related driving conviction and can be very expensive if you go with the wrong provider. Some insurance companies will not even do an SR22 insurance filing. Get a FREE DUI auto insurance quote and compare rates to find the best deal, simply enter your ZIP code above and you can be comparing prices for Georgia auto insurance in a matter of minutes.

Minimum Liability Insurance Requirements for Private Passenger Vehicles in the State of Georgia

The minimum mandatory liability insurance coverage required in the state of Georgia for private passenger vehicles is (25/50/25). This equates to the following liability coverage:

  • $25,000 bodily injury liability (BIL) per person
  • $50,000 for two or more people in one accident
  • $25,000 property damage liability (PDL) coverage

Cost of an SR22

The SR22 insurance cost may be as low as $25. However, that’s not the only concern you are faced with. When you file for an SR22, you have to pay higher insurance quotes.

How high exactly? Well, that depends on the following things:

  • Your insurance company
  • Your state
  • The kind of travel violation you were involved in

Alternatives to SR-22 Insurance

While the SR22 form is a standard, you may have to fill alternative forms, depending on your violation’s severity and the state.

  • SR22A Insurance

    If you live in Texas, Georgia, or Missouri, you need to fill in the SR 22A form upon severe traffic violations. For this form, you must pay for your insurance policy in full for six months or more

  • SR21 Insurance

    The SR21 insurance has to be filled if you have received a traffic ticket or were in an accident. It certifies that you have sufficient coverage according to the state’s requirements

  • SR50 Insurance

    The SR50 insurance is exclusive to Indiana. It’s similar to SR22 as it allows your license to be reinstated and offers proof of coverage to the state

  • FR44 Insurance

    The FR44 insurance is required in Virginia and Florida after a driver is convicted of a DUI. Although it’s quite similar to SR22, you must have double the minimum liability coverage for this.

How to Get an SR22?

Depending on your state, the procedure for getting an SR22 will be different significantly. However, typically, you have to contact your insurance company once you’re told that you need an SR22 form.

If your insurer does not offer this service, you’ll have to look for a different company. In case you don’t own insurance yet, you will have to buy a policy to be authorized to drive again.

Sometimes, the insurers want you to pay a six to twelve-month premium upfront.

Which Companies File SR22?

If you’re searching for SR22 insurance GA, here are some companies that offer this service:

  • Direct Auto
  • Gainsco
  • Kemper
  • Safe Auto
  • 21st Century
  • Dairyland
  • The General

Some bigger names that provide this service include USAA, State Farm, Geico, American Family, and All State. But keep in mind that USAA is limited to veterans, their families, and active military members.

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