Georgia non-owner SR-22 insurance
No car in your name? A non-owner policy still satisfies the Georgia Department of Driver Services (DDS) filing and is usually the cheapest way to get your Georgia license back.
Quote by phone for your Georgia SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
Quote by phone: 844-341-0463Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadGeorgia SR-22 requirements
Georgia DDS orders an SR-22 after DUI, driving with a suspended or revoked license, repeat serious traffic violations, an uninsured at-fault accident, or a lapse in coverage flagged by the state's electronic insurance verification system.
Minimum limits
Georgia requires 25/50/25. Because the state verifies coverage electronically in near real time, even a short gap generates an automatic notice and suspension.
Risk Reduction and clinical evaluation
Reinstatement after a DUI in Georgia is a two-track process: the insurance filing plus the education requirement. Finish the 20-hour Risk Reduction course early — DDS will not reinstate without the certificate no matter how long the SR-22 has been on file.
Atlanta and metro rates
Fulton, DeKalb, Gwinnett, and Cobb counties carry the highest SR-22 premiums in Georgia. Non-owner policies are a strong option for drivers who need a valid license but share a household vehicle.
Georgia non-owner SR-22 FAQs
How long does Georgia require an SR-22?
Three years of continuous coverage from your reinstatement date. Georgia DDS suspends immediately if the filing lapses.
What is the Risk Reduction course in Georgia?
A 20-hour DDS-certified DUI Alcohol or Drug Use Risk Reduction Program. Completion is mandatory before license reinstatement after a DUI, in addition to the SR-22.
Do I need an SR-22 in Georgia for driving without insurance?
Yes. A lapse-of-coverage suspension in Georgia typically requires an SR-22 filing plus a lapse fee before your license and registration are restored.
Can I get a limited driving permit in Georgia with an SR-22?
First-time offenders may qualify for a limited permit for work, school, and treatment. The SR-22 must be on file before DDS issues the permit.