The most cost-effective SR-2.2. insurance in Georgia is available through Country Financial and Mercury. Country Financial offers annual policies with minimum coverage for an average price of $551., while Mercury provides similar coverage for $606. For individuals who do not own a vehicle, Auto-Owners offers the lowest average annual SR-2.2. car insurance at $3.70, with GEICO being the second most affordable option at $653..
If you commit a severe traffic infraction, such as driving under the influence, in Georgia, you may need an SR-2.2. certificate, which proves that you have obtained insurance coverage that meets the minimum liability guidelines. Most insurance rates for your car will increase due to the requirement of an SR-2.2. for such violations.
Most affordable SR-2.2. insurance in Georgia.
2.02.3..
Country Financial.
Auto-Owners Insurance.
If you are interested in cheap SR-2.2. insurance in Georgia, these two companies provide the lowest average rates for minimum coverage if you have a record of DUI.
The following providers offer the most affordable average SR-2.2. insurance expenses for a comprehensive coverage policy.
Below is a table featuring different insurance providers in Georgia that offer affordable SR-2.2. coverage. You can find affordable policies by comparing quotes from these providers. Generally, insurers view you as more likely to submit claims after severe traffic violations or a DUI, resulting in increased auto insurance costs.
|
Company |
Annual Premium |
Monthly Premium |
|---|---|---|
|
Country Financial |
$2.85 |
$2.4. |
|
Auto-Owners Insurance Co |
$3.1.1. |
$2.6 |
|
Country Financial |
$3.2.1. |
$2.7 |
|
Auto-Owners Insurance Co |
$3.57 |
$3.0 |
|
Auto-Owners Insurance Co |
$3.78 |
$3.1. |
|
Country Financial |
$3.91. |
$3.3. |
|
Mercury |
$4.1.2. |
$3.4. |
|
Auto-Owners Insurance Co |
$4.3.5 |
$3.6 |
|
GEICO |
$4.3.8 |
$3.6 |
|
GEICO |
$4.3.9 |
$3.7 |
|
Country Financial |
$4.4.0 |
$3.7 |
|
Auto-Owners Insurance Co |
$4.4.1. |
$3.7 |
|
Auto-Owners Insurance Co |
$4.60 |
$3.8 |
|
GEICO |
$4.60 |
$3.8 |
|
Country Financial |
$4.63. |
$3.9 |
|
Country Financial |
$4.66 |
$3.9 |
|
Mercury |
$4.72. |
$3.9 |
|
Progressive |
$4.73. |
$3.9 |
|
Country Financial |
$4.80 |
$4.0 |
|
Country Financial |
$4.90 |
$4.1. |
|
Auto-Owners Insurance Co |
$507 |
$4.2. |
|
State Farm |
$51.7 |
$4.3. |
|
Progressive |
$52.3. |
$4.4. |
|
State Farm |
$52.3. |
$4.4. |
|
GEICO |
$54.9 |
$4.6 |
|
Country Financial |
$551. |
$4.6 |
|
Auto-Owners Insurance Co |
$559 |
$4.7 |
|
Progressive |
$579 |
$4.8 |
|
Country Financial |
$580 |
$4.8 |
|
Mercury |
$590 |
$4.9 |
|
State Farm |
$593. |
$4.9 |
|
State Farm |
$593. |
$4.9 |
|
Allstate |
$594. |
$50 |
|
Allstate |
$604. |
$50 |
|
Mercury |
$606 |
$51. |
|
Mercury |
$62.8 |
$52. |
|
State Farm |
$63.1. |
$53. |
|
State Farm |
$63.1. |
$53. |
|
Allstate |
$63.8 |
$53. |
|
Country Financial |
$64.0 |
$53. |
|
Allstate |
$64.3. |
$54. |
|
Progressive |
$64.7 |
$54. |
|
Allstate |
$652. |
$54. |
|
Auto-Owners Insurance Co |
$653. |
$54. |
|
State Farm |
$653. |
$54. |
|
Country Financial |
$662. |
$55 |
|
Country Financial |
$665 |
$55 |
|
GEICO |
$667 |
$56 |
|
State Farm |
$669 |
$56 |
|
Mercury |
$685 |
$57 |
|
State Farm |
$694. |
$58 |
|
Auto-Owners Insurance Co |
$700 |
$58 |
|
Progressive |
$704. |
$59 |
|
Allstate |
$705 |
$59 |
|
GEICO |
$707 |
$59 |
|
Allstate |
$74.0 |
$62. |
|
Progressive |
$74.3. |
$62. |
|
Mercury |
$751. |
$63. |
|
Allstate |
$751. |
$63. |
|
Allstate |
$752. |
$63. |
|
Progressive |
$755 |
$63. |
|
Allstate |
$763. |
$64. |
|
State Farm |
$769 |
$64. |
|
State Farm |
$769 |
$64. |
|
Auto-Owners Insurance Co |
$778 |
$65 |
|
Progressive |
$784. |
$65 |
|
GEICO |
$786 |
$66 |
|
GEICO |
$788 |
$66 |
|
Country Financial |
$788 |
$66 |
|
Mercury |
$797 |
$66 |
|
Country Financial |
$800 |
$67 |
|
Progressive |
$81.1. |
$68 |
|
Mercury |
$81.8 |
$68 |
|
Allstate |
$81.9 |
$68 |
|
Auto-Owners Insurance Co |
$82.2. |
$69 |
|
Allstate |
$83.2. |
$69 |
|
State Farm |
$84.6 |
$70 |
|
Auto-Owners Insurance Co |
$850 |
$71. |
|
Auto-Owners Insurance Co |
$875 |
$73. |
|
Country Financial |
$881. |
$73. |
|
Country Financial |
$903. |
$75 |
|
Allstate |
$909 |
$76 |
|
GEICO |
$91.9 |
$77 |
|
GEICO |
$92.1. |
$77 |
|
Auto-Owners Insurance Co |
$93.2. |
$78 |
|
Country Financial |
$93.6 |
$78 |
|
Progressive |
$94.0 |
$78 |
|
Mercury |
$94.1. |
$78 |
|
Allstate |
$94.2. |
$78 |
|
State Farm |
$952. |
$79 |
|
Country Financial |
$958 |
$80 |
|
Country Financial |
$959 |
$80 |
|
Allstate |
$961. |
$80 |
|
Auto-Owners Insurance Co |
$993. |
$83. |
|
State Farm |
$993. |
$83. |
|
Allstate |
$999 |
$83. |
|
Mercury |
$1.,004. |
$84. |
|
GEICO |
$1.,004. |
$84. |
|
GEICO |
$1.,01.6 |
$85 |
|
Allstate |
$1.,060 |
$88 |
|
Mercury |
$1.,067 |
$89 |
|
Progressive |
$1.,070 |
$89 |
|
State Farm |
$1.,083. |
$90 |
|
State Farm |
$1.,083. |
$90 |
|
Allstate |
$1.,085 |
$90 |
|
Auto-Owners Insurance Co |
$1.,087 |
$91. |
|
Country Financial |
$1.,094. |
$91. |
|
Progressive |
$1.,1.00 |
$92. |
|
Progressive |
$1.,1.1.9 |
$93. |
|
Auto-Owners Insurance Co |
$1.,1.2.1. |
$93. |
|
Progressive |
$1.,1.2.4. |
$94. |
|
Mercury |
$1.,1.4.9 |
$96 |
|
Auto-Owners Insurance Co |
$1.,1.71. |
$98 |
|
State Farm |
$1.,1.71. |
$98 |
|
State Farm |
$1.,1.71. |
$98 |
|
Mercury |
$1.,1.80 |
$98 |
|
Allstate |
$1.,1.84. |
$99 |
|
State Farm |
$1.,1.84. |
$99 |
|
Allstate |
$1.,1.92. |
$99 |
|
GEICO |
$1.,1.98 |
$1.00 |
|
Allstate |
$1.,2.60 |
$1.05 |
|
Auto-Owners Insurance Co |
$1.,2.65 |
$1.05 |
|
Allstate |
$1.,2.67 |
$1.06 |
|
State Farm |
$1.,2.79 |
$1.07 |
|
Allstate |
$1.,2.97 |
$1.08 |
|
Country Financial |
$1.,2.97 |
$1.08 |
|
Allstate |
$1.,3.06 |
$1.09 |
|
Country Financial |
$1.,3.06 |
$1.09 |
|
State Farm |
$1.,3.07 |
$1.09 |
|
GEICO |
$1.,3.55 |
$1.1.3. |
|
GEICO |
$1.,3.62. |
$1.1.4. |
|
Progressive |
$1.,4.60 |
$1.2.2. |
|
GEICO |
$1.,4.80 |
$1.2.3. |
|
Mercury |
$1.,4.86 |
$1.2.4. |
|
State Farm |
$1.,4.87 |
$1.2.4. |
|
State Farm |
$1.,4.87 |
$1.2.4. |
|
Mercury |
$1.,4.95 |
$1.2.5 |
|
Mercury |
$1.,563. |
$1.3.0 |
|
Mercury |
$1.,568 |
$1.3.1. |
|
Progressive |
$1.,572. |
$1.3.1. |
|
Auto-Owners Insurance Co |
$1.,582. |
$1.3.2. |
|
Auto-Owners Insurance Co |
$1.,582. |
$1.3.2. |
|
GEICO |
$1.,587 |
$1.3.2. |
|
Country Financial |
$1.,589 |
$1.3.2. |
|
GEICO |
$1.,590 |
$1.3.3. |
|
State Farm |
$1.,62.5 |
$1.3.5 |
|
GEICO |
$1.,63.2. |
$1.3.6 |
|
Progressive |
$1.,71.3. |
$1.4.3. |
|
Auto-Owners Insurance Co |
$1.,72.8 |
$1.4.4. |
|
Mercury |
$1.,73.6 |
$1.4.5 |
|
GEICO |
$1.,799 |
$1.50 |
|
Progressive |
$1.,857 |
$1.55 |
|
Progressive |
$1.,890 |
$1.58 |
|
Mercury |
$1.,93.7 |
$1.61. |
|
Progressive |
$1.,998 |
$1.67 |
|
Mercury |
$2.,01.8 |
$1.68 |
|
GEICO |
$2.,03.1. |
$1.69 |
|
Progressive |
$2.,1.89 |
$1.82. |
|
Mercury |
$2.,1.89 |
$1.82. |
|
Progressive |
$2.,2.08 |
$1.84. |
|
Auto-Owners Insurance Co |
$2.,3.2.2. |
$1.93. |
|
Progressive |
$2.,4.4.2. |
$2.04. |
|
Mercury |
$2.,53.2. |
$2.1.1. |
|
Progressive |
$2.,567 |
$2.1.4. |
|
GEICO |
$2.,652. |
$2.2.1. |
|
Mercury |
$2.,74.3. |
$2.2.9 |
|
GEICO |
$3.,2.4.6 |
$2.70 |
|
GEICO |
$3.,503. |
$2.92. |
For instance, once you engage in specific traffic infractions, an SR-2.2. becomes mandatory. Your car insurance policy fulfills the minimum state prerequisites as proof that you need an SR-2.2. certificate of financial responsibility in Georgia. Insurance coverage does not qualify as an SR-2.2..
Your insurance provider may file the SR-2.2. form with the Department of Georgia, which serves as proof of insurance. While some insurers may cancel your coverage upon finding out that you need an SR-2.2., others may assume that you are riskier to insure and may increase your auto insurance rates due to the filing. In order to maintain the SR-2.2. requirement, you must make prepayments every six months and keep the form on your Georgia record for three years.
If you have been convicted of a second or subsequent DUI in Georgia, it is necessary for you to uphold an SR-2.2.A form with your insurance company for a duration of three years.
The MONEYGEEK EXPERT TIP.
Once you fulfill your financial responsibilities in Georgia, you should verify the submission of the insurer’s Form Cancellation Responsibility Financial to the Driver Services Department of Georgia. This form confirms that you have met all the requirements and no longer need the SR-2.2. certificate.
You can find the cheapest average SR-2.2. auto insurance policies in Georgia for non-owner drivers with a DUI from the following companies:.
USAA, which has a military affiliation, provides a reasonably priced alternative for individuals in Georgia who do not own a car. With an average annual cost of $591., this insurer is the second most inexpensive option in the state.
MoneyGeek’s analysis presents the following table, which shows the varying costs of non-owner policies across different providers in Georgia, ranging from $1.,1.1.6 to $3.70 per year, with the cheapest options available.
|
Company |
Annual Premium |
Monthly Premium |
|---|---|---|
|
Auto-Owners Insurance Co |
$2.66 |
$2.2. |
|
Auto-Owners Insurance Co |
$3.70 |
$3.1. |
|
GEICO |
$4.4.2. |
$3.7 |
|
Progressive |
$588 |
$4.9 |
|
State Farm |
$63.2. |
$53. |
|
GEICO |
$653. |
$54. |
|
State Farm |
$72.2. |
$60 |
|
Progressive |
$1.,1.1.6 |
$93. |
WHAT IS CAR INSURANCE FOR NON-OWNERS?
If you are a rideshare or professional driver, or if you are a car renter in Georgia, you may also need to consider non-owner auto insurance options. This type of insurance applies to individuals who do not own cars but are required to submit SR-2.2.. SR-2.2. non-owner insurance covers bodily injury and property damage to third parties, but excludes injuries to passengers and yourself.
Some insurers provide add-on coverage options in addition to standard liability-only insurance, including medical expenses, car rental coverage and personal injury protection.
The typical expense for SR-2.2. insurance in Georgia on a yearly basis for a driver who has been convicted with a DUI is usually $795 for the minimum coverage and $1.,660 for a comprehensive policy. Additionally, an SR-2.2. may be required for other infractions such as collisions and speeding tickets.
When you file a claim, your insurance rates will go up based on the level of risk indicated by your driving history. Once you are convicted of a traffic violation, insurance providers will utilize this data and risk evaluation mechanisms to assess your probability.
|
Driving Record |
Annual Premium |
Monthly Premium |
|---|---|---|
|
DUI |
$1.,660 |
$1.3.8 |
|
At-Fault Accident |
$1.,554. |
$1.3.0 |
|
DUI |
$960 |
$80 |
|
Clean |
$897 |
$75 |
|
Clean |
$4.4.7 |
$3.7 |
|
Ticket |
$579 |
$4.8 |
|
At-Fault Accident |
$71.0 |
$59 |
|
At-Fault Accident |
$884. |
$74. |
|
At-Fault Accident |
$775 |
$65 |
|
Clean |
$91.5 |
$76 |
|
DUI |
$2.,04.4. |
$1.70 |
|
At-Fault Accident |
$1.,4.79 |
$1.2.3. |
|
Ticket |
$1.,51.7 |
$1.2.6 |
|
DUI |
$1.,61.2. |
$1.3.4. |
|
Clean |
$573. |
$4.8 |
|
DUI |
$795 |
$66 |
|
DUI |
$797 |
$66 |
|
At-Fault Accident |
$1.,873. |
$1.56 |
|
Ticket |
$1.,1.84. |
$99 |
|
Ticket |
$556 |
$4.6 |
|
Clean |
$4.4.2. |
$3.7 |
|
Ticket |
$1.,1.80 |
$98 |
|
Ticket |
$704. |
$59 |
|
Clean |
$1.,2.4.3. |
$1.04. |
The MONEYGEEK EXPERT TIP.
By comparing insurance providers, you can find the most affordable deal on SR-2.2. insurance policy, as costs between insurance companies fluctuate. Obtaining an SR-2.2. form in Georgia allows drivers to renew their policy or find the best deals on insurance premiums at least once every year.
If you purchase the minimum policy coverage in Georgia, you may have to pay approximately $3.3.6 more yearly if you have a clean record. Your auto insurance rates may be impacted and your premiums may spike after filing an SR-2.2..
To identify the most affordable SR-2.2. insurance policy that suits your needs, it is advisable to compare quotes from various insurers and explore discounts offered by your preferred providers. The extent of your premium increase will depend on several factors, such as the severity of the violation, your driving history, and your insurance company.
Spotless Driving History.
Yearly Cost for Basic Insurance.
$4.59.
Following a DUI.
Yearly Cost for Basic Insurance.
$795.
After a DUI, the average increase in car insurance premiums is $3.3.6.
This is 73.% pricier.
Filing an SR-2.2. may lead to various outcomes for your auto insurance coverage, in addition to higher premiums. These effects encompass restricted coverage options, the potential cancellation of your regular policy, and the requirement to pay filing fees.
1.
When it comes to insuring drivers who have certain violations that are deemed too risky and not providing SR-2.2. filings, some insurance companies choose not to do so. If you have a clean driving record, you may have more limited choices when selecting an insurance company. It is crucial to look for insurance providers that specialize in SR-2.2. filings when shopping for coverage.
2.
Filing an SR-2.2. with your insurer may result in the company canceling your coverage. You may avoid cancellation by following SR-2.2. compliance guidelines, including safe driving and promptly paying your provider for your policy.
3.
In Georgia, you need to have the SR-2.2. filing on your record for three years, although obligations may vary based on the severity of the violation. After submitting your form, you must maintain your insurance coverage for three years or face additional penalties.
4.
You may need to pay filing costs once you submit an SR-2.2. form in Georgia. Amounts vary depending on the circumstances surrounding your case. Typically, this is a one-time payment, ranging from $1.5 to $50. Georgia requires an SR-2.2.A form for second and subsequent DUI convictions, resulting in more filing fees for additional forms.
After a driving violation, you can buy SR-2.2. in Georgia using similar steps to MoneyGeek’s standard car insurance guide, which includes the following:
With an SR-2.2. certificate of financial responsibility, you can prove to the state that your policy meets the stipulated requirements.
FEE FOR REINSTATING GEORGIA LICENSE.
The amount you pay in Georgia for license reinstatement varies based on the violations on your record. After the first DUI violation, the fees are $2.00 by mail and $2.1.0 if you pay in person. Costs will be higher for subsequent offenses of any type. Because rates may vary for your driving profile, we suggest consulting Georgia’s Department of Driver Services for current fees.
Compare quotes immediately
Spare some time and review insurance quotes from different providers. Rates and requirements may vary for each company, but you can find Georgia’s most affordable car insurance providers after a DUI by comparing multiple quotes.
Complete DUI classes or programs
Completing a DUI course may contribute to lower premiums for your auto insurance. These programs make you a better driver and demonstrate your commitment to safe driving. As a result, insurance companies may consider revising your rates. The Georgia Department of Driver Services offers an online list of certified DUI schools and other driving improvement programs.
Look for discounts
Various insurers offer special deals to customers who meet specific coverage requirements. Although you may not qualify for discounts that require a clean driving record, other discounts may apply to your unique profile, such as bundling car insurance with other forms of coverage or insuring more than one car.
Practice safe driving
Insurers may reduce your premiums if you consistently drive safely after a violation. If you successfully avoid tickets and keep your driving record spotless, the impact of your infraction tends to lessen over time.
Shop rates over time
We recommend checking around occasionally to determine if you can get better rates despite already having an affordable policy. Insurers update their rates constantly, allowing you to find cheaper alternatives by comparing rates at policy renewal.
The MONEYGEEK EXPERT TIP.
Non-standard auto insurance providers offer insurance policies that are often higher in costs than standard coverage, making it an alternative ideal for drivers who face trouble securing coverage elsewhere. These insurers provide coverage to drivers who have difficulties obtaining coverage from traditional insurance providers due to severe offenses, such as multiple accidents and DUIs.
If the state convicts you of a violation where filing an SR-2.2. form is needed, it is crucial to understand the requirements and cost implications. We answered commonly asked questions about SR-2.2. car insurance in Georgia to help you through the process.
Information about Mark Fitzpatrick.
Mark Fitzpatrick, a senior content director at GeekMoney with over five years of experience in analyzing the insurance market, specializes in creating personalized and original content, as well as conducting research. He has been quoted on insurance topics in several publications, including Mashable and NBC News.
Mark, who earned a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is passionate about using his knowledge in insurance and economics to bring transparency and help others feel confident about their financial moves.