Georgia SR-22A Insurance (2026): Cost & Carriers After a DUI
Georgia uses its own financial responsibility form — the SR-22A — rather than the standard SR-22 used in most states. If you’ve been told you need an SR-22 after a Georgia DUI, what you actually need is an SR-22A. Here’s what it costs, which carriers write it, and what to confirm with DDS before you buy.
| What it is | Georgia’s specific financial responsibility certificate — your insurer files with DDS proving you carry state-minimum liability coverage |
| SR-22A vs SR-22 | SR-22A is Georgia’s form; standard SR-22 is used in most other states. They serve the same purpose but are separate documents — a standard SR-22 will not satisfy Georgia’s requirement |
| How long you carry it | 3 years from conviction is widely cited — confirm the exact term for your situation with DDS or your attorney |
| Filing fee | $15–25 (the certificate; the premium surcharge is the real cost) |
| Typical premium, first DUI | ~$120–200/mo vs. ~$65–100 for a clean-record driver |
| Minimum liability limits | 25/50/25 ($25k bodily injury / $50k per crash / $25k property damage) |
| If it lapses | Insurer notifies DDS → license suspended → reinstatement fees → clock may reset |
How much SR-22A costs in Georgia
The SR-22A filing fee is minor — $15–25. The real cost is the DUI premium surcharge, which typically puts a first-DUI Georgia driver at $120–200/month for minimum coverage, versus $65–100 with a clean record. That surcharge runs for the full filing period, making it worth spending a few minutes comparing quotes before you commit to a carrier.
Cheapest SR-22A carriers in Georgia
Not all insurers write SR-22A policies. The market concentrates among carriers that handle higher-risk filings. Starting points for 2026:
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for SR-22A in Georgia |
| Progressive Specialty | Strong non-standard market presence statewide; frequently competitive after DUI |
| Allstate | Broad Georgia availability, competitive for single-offense records |
| Bristol West / Kemper Specialty | Non-standard carriers that routinely write SR-22A policies |
Availability and pricing depend on your driving record, county, and vehicle. When comparing quotes, confirm each carrier can file the SR-22A form specifically — not all carriers write Georgia’s form even if they write standard SR-22s in other states.
How to file an SR-22A in Georgia
Your insurer handles the filing — not you. The process:
- Confirm with DDS or your attorney that an SR-22A is required for your specific case and for how long.
- Buy a policy from a carrier that writes SR-22A filings in Georgia — confirm they can file the Georgia-specific form.
- Request the SR-22A filing — most carriers submit to DDS electronically, often same day.
- Keep the policy active without any lapse for your full required period. Confirm with your insurer before canceling.
The DDS reinstatement fee for a first DUI is $200 by mail or $210 in person, paid directly to DDS — separate from your insurance costs.