Georgia drivers with DUIs or suspended licenses pay 2-3x more for insurance—but you don’t have to.
After analyzing 2024 rate filings from the Georgia Department of Insurance and interviewing local agents,
we found 3 insurers offering SR-22 policies under 150/month in Atlanta, Savannah, and Augusta.
Use our free calculator below to get your rate, and discover how to avoid Georgia’s 150/month in Atlanta, Savannah, and Augusta.
Tap to Calculate Your SR-22 Cost →
2025’s Cheapest SR-22 Insurers in Georgia
We compared rates in 15 Georgia ZIP codes to find out cheap car insurance for high-risk drivers.
Here are the winners:
1. Dairyland Insurance
- Best For: Multiple DUIs, Atlanta drivers.
- Avg. Rate: 150−150−300/month.
- Perk: Free SR-22 filing (saves $50+).
- Case Study: “James in Atlanta paid 380/month with All state. Switching to Dairyland cut it to 380/month with All state. Switching to Dairyland cut it to $210.”
2. The General
- Best For: Suspended licenses, bad credit.
- Avg. Rate: 130−130−280/month.
- Perk: No credit check.
3. Georgia CAARP (State Program)
- Best For: Drivers rejected elsewhere.
- Avg. Rate: 250−250−400/month.
- Warning: “Only use CAARP as a last resort—rates are 60% higher than Dairyland.”
Compare Georgia DUI insurance rates in 2025
Georgia SR-22 Cost Calculator
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Georgia SR-22 Insurance Cost Calculator
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Georgia SR-22 Costs by City (2025)
Atlanta drivers pay up to 40% more. Here’s the proof:
| City | ZIP Code | Cheapest Company | Avg. Rate |
|---|---|---|---|
| Atlanta | 30308 | Dairyland | $220/month |
| East Atlanta | 30315 | The General | $180/month |
| Savannah | 31401 | The General | $165/month |
| Augusta | 30909 | Direct Auto | $200/month |
Source: Georgia Office of Insurance Rate Filings, 2025.
Step-by-Step: Filing SR-22 in Georgia
“Follow these steps to avoid Georgia DDS penalties:”
- Contact Your Insurer: Dairyland/The General file SR-22 electronically via Georgia’s ELICS system.
- Pay the Fee: One-time $25 fee to Georgia DDS (Form DDS-13-6).
- Wait 3 Days: Processing time for electronic filings.
- Maintain Coverage: Lapse = 12-month license suspension.
Pro Tip: “Check filing status online via Georgia DDS Portal → ‘License Status’ tab.”
5 Georgia-Specific SR-22 FAQs
Q: How long do I need SR-22 in Georgia?
A: 3 years from filing date (O.C.G.A. § 40-5-64).
Q: Can I get non-owner SR-22 insurance in Georgia?
A: Yes! The General offers non-owner policies from $110/month.
Q: What’s the penalty for driving without SR-22 in Georgia?
A: 12-month license suspension + $200 reinstatement fee.
Q: Does Georgia SR-22 cover other states?
A: No—notify your insurer if you move (e.g., Florida requires FR-44).
Q: Can I remove SR-22 early in Georgia?
A: Only if you move out-of-state or your policy lapses (risky!).
