McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Country Financial has the cheapest SR-22 insurance in Georgia, charging an average of $599 per year for minimum coverage. Country Financial's SR-22 insurance is 63% cheaper than what other companies charge for SR-22 insurance in Georgia, on average.
Georgia drivers who are convicted of serious driving offenses, such as DUI or reckless driving, may be required to get an SR-22. Since drivers with an SR-22 are considered high-risk, they will pay higher insurance premiums than the average driver, experiencing a rate increase in Georgia on average.
Cheapest SR-22 Insurance Companies in Georgia
| Rank | Company | Average Premium |
| 1 | $599 per year | |
| 2 | $783 per year | |
| 3 | $800 per year | |
| 4 | $819 per year | |
| 5 | $1,020 per year |
Note: Premiums are for a 45-year-old driver in Georgia. Individual premiums will vary.
Increased premiums are only temporary when you have an SR-22. In Georgia, you are only required to have an SR-22 on file for 3 years, and if you practice safe driving habits in the meantime, you should see your premiums begin to go down.
Tips for Getting Cheap SR-22 Insurance in Georgia
- Figure out how much insurance you really need by looking at the minimum requirements for Georgia. That way, you can avoid overpaying for extra coverage.
- Consider a non-owner SR-22 certificate if you need to be able to drive but do not own a vehicle.
- Compare insurance rates at least once a year to make sure your insurer is still offering you the best price.
- Look for car insurance discounts that don't factor in driving habits, such as an automatic payment discount or a multi-policy discount.
- Practice safe driving habits and avoid adding new violations to your driving record.
It is possible that you will not be able to find a company that is willing to insure you. If that happens, you may be able to apply for car insurance through your state, since many states provide programs to match high-risk drivers with partnering insurers. However, this should be used as a last resort because the premiums will likely be very expensive.
To learn more, check out WalletHub's guide to SR-22 insurance.
People also ask
How do I find out if I still need an SR-22?
To find out if you still need an SR-22, contact your local DMV office and ask if your SR-22 form has been filed for the required period of time. If it has, you can then contact your car insurance company and request that they remove your SR-22 filing with the state. Each state has its own requirements, but you usually only need an SR-22 for about three years.
You should never cancel your SR-22 filing...
read full answer by WalletHub, Financial CompanyHow can you get an SR-22 removed?
To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.
You can contact your...
read full answer by WalletHub, Financial CompanyHow much does non-owner SR-22 insurance cost?
Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.
The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...
read full answer by Winslow Arizona, Car Insurance WriterDid we answer your question?
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