SR-22 Insurance in Georgia: SR-22A, DUI Rules and Requirements
Georgia uses both the SR-22 and the stricter SR-22A. Here is who needs each one, the three-year rule, the prepaid-premium requirement and what happens if your policy is canceled.
Georgia has an extra wrinkle that most states don't: alongside the regular SR-22, it uses an SR-22A for drivers with repeated insurance violations. The A version comes with a strict prepayment rule. Here is how both work, based on guidance from the Georgia Department of Driver Services (DDS).
Georgia's minimum coverage
According to the Georgia Office of Insurance and Safety Fire Commissioner, the minimum liability coverage is:
| Coverage | Georgia minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per incident | $50,000 |
| Property damage, per incident | $25,000 |
Drivers with a DUI may face higher required limits; DDS will tell you what your filing must certify.
The SR-22A: after repeated no-insurance convictions
If you are convicted more than once of driving without insurance, DDS requires an SR-22A to reinstate your license. Key rules from DDS:
- Three years: you must maintain the coverage for three years from the conviction date.
- Prepaid: you prepay the premium in full every six months. An ordinary SR-22 is accepted only if it is marked "Paid in Full."
- No car? Still required: customers who don't own a vehicle must buy an SR-22A non-owner's policy.
- Suspension first: you must have been suspended for 90 days to be eligible to reinstate.
- No limited permit is available during a second or later no-insurance suspension.
SR-22 after a DUI in Georgia
DDS reinstatement rules for DUI suspensions require an SR-22 to be filed and maintained for three years from the date of conviction. Your reinstatement notice lists the other steps, such as fees and any required programs. See how much a DUI raises insurance.
If your policy is canceled
Your insurer reports a canceled SR-22A policy to DDS, and DDS says this results in the cancellation of your driver's license. Because the SR-22A is prepaid in six-month blocks, the key is to renew on time. Read how to avoid an SR-22 lapse.
Out-of-state policies
DDS accepts out-of-state SR-22 policies only with a receipt showing valid payment and proof that the policy meets Georgia's minimum limits.
How to get an SR-22 or SR-22A in Georgia
- Check your DDS notice to see whether you need an SR-22 or SR-22A, and for how long.
- Ask insurers specifically for a Georgia SR-22A (or SR-22) filing, and confirm they offer prepaid six-month terms.
- Pay the premium in full and have the insurer send the filing to DDS (insurers can fax it directly).
- Pay reinstatement fees and complete any other requirements.
- Renew every six months without a gap until the three years are up.
New to SR-22s? Start with what an SR-22 is.
Frequently asked questions
What is the difference between an SR-22 and an SR-22A in Georgia?
Both prove insurance to the Georgia Department of Driver Services. The SR-22A is used after repeated no-insurance convictions and requires the premium to be prepaid in full every six months, so the coverage can't lapse for non-payment mid-term.
How long do I need an SR-22A in Georgia?
Three years from the conviction date, according to Georgia DDS.
Can I get a limited permit while suspended for a second no-insurance violation?
No. Georgia DDS says a limited permit is not available for a second or subsequent no-insurance suspension.
I don't own a car. Do I still need an SR-22A?
Yes. DDS says customers who don't own a vehicle must buy an SR-22A non-owner's insurance policy.
Sources
- No Proof of Insurance (Multiple) FAQ, Georgia Department of Driver Services
- Rule 375-3-3-.24: Reinstatement Procedures for DUI Suspensions, Georgia Department of Driver Services
- Auto insurance resources, Georgia Office of Insurance and Safety Fire Commissioner
- Reinstate License, Georgia Department of Driver Services
Sources were checked on October 15, 2026. Laws, fees and prices change; always confirm with your state agency or insurer.