SR-22 and SR-22A Insurance Filing in Georgia
What Georgia Drivers Need to Know About SR-22 and SR-22A
Georgia has two distinct filing requirements that often get confused with each other. An SR-22 is a certificate your insurance company files with the Georgia Department of Driver Services to confirm you carry the state's minimum required liability coverage. It's typically required after certain violations — a DUI, a serious traffic offense, or driving without insurance — and must remain on file for a set period before your license is fully reinstated.
An SR-22A is a stricter version required for drivers with repeated offenses or a history of lapses in coverage. Unlike a standard SR-22, the SR-22A requires your full six-month premium to be paid upfront. It signals to the state that you've had ongoing compliance issues, and it carries a longer monitoring period.
If you're not sure which one applies to your situation, the notice from the Georgia DDS will specify the filing type. We can help you read it and get the right coverage in place.
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How the SR-22 Filing Process Works in Georgia
Getting an SR-22 or SR-22A on file doesn't have to be complicated. Here's what the process looks like when you work with us:
- You contact our office and let us know you need an SR-22 or SR-22A filing.
- We review your situation, identify which carriers can write your coverage, and compare rates across multiple options.
- Once you select a policy, we file the certificate electronically with the Georgia DDS on your behalf — typically the same day.
- You receive confirmation of the filing, and your reinstatement process with the state can move forward.
Because we're an independent agency, we have access to carriers that specialize in high-risk auto insurance, including drivers with DUIs, license suspensions, or prior lapses. We don't work with just one company, which means we can find a rate that works for your budget rather than telling you to take it or leave it.
Do You Need a Non-Owner SR-22?
Not every driver who needs an SR-22 owns a vehicle. If your license was suspended and you don't currently have a car, you may still be required to carry liability coverage to satisfy the state's reinstatement requirements. That's where a non-owner SR-22 policy comes in.
A non-owner policy provides liability coverage when you drive a vehicle you don't own — a borrowed car, a rental, or a family member's vehicle. It's typically less expensive than a standard auto policy because it doesn't cover a specific vehicle, but it does satisfy Georgia's SR-22 filing requirement.
This is a common situation and one we handle regularly. If you're in this position, call us and we'll walk through whether a non-owner policy fits your circumstances.
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Common Questions About SR-22 Insurance in Georgia
What is the difference between SR-22 and SR-22A in Georgia?
An SR-22 is a standard certificate of financial responsibility filed with the Georgia DDS after certain driving violations. An SR-22A is required for drivers with repeat offenses or repeated lapses in coverage, and it requires the full six-month premium to be paid in advance rather than in monthly installments. Your DDS notice will tell you which one applies to your situation.An SR-22 is a standard certificate of financial responsibility filed with the Georgia DDS after certain driving violations. An SR-22A is required for drivers with repeat offenses or repeated lapses in coverage, and it requires the full six-month premium to be paid in advance rather than in monthly installments. Your DDS notice will tell you which one applies to your situation.How long do I need to carry an SR-22 in Georgia?
Most drivers are required to maintain an SR-22 filing for three years in Georgia, though the exact period depends on the violation. If your policy lapses or is cancelled during that time, your insurer is required to notify the DDS, which can trigger a new suspension. Keeping your coverage active without interruption is critical.Most drivers are required to maintain an SR-22 filing for three years in Georgia, though the exact period depends on the violation. If your policy lapses or is cancelled during that time, your insurer is required to notify the DDS, which can trigger a new suspension. Keeping your coverage active without interruption is critical.How quickly can you file my SR-22?
In most cases, we file the SR-22 or SR-22A electronically with the Georgia DDS the same day your policy is issued. Once the filing is confirmed, you can provide that information to the DDS as part of your reinstatement process.In most cases, we file the SR-22 or SR-22A electronically with the Georgia DDS the same day your policy is issued. Once the filing is confirmed, you can provide that information to the DDS as part of your reinstatement process.Will an SR-22 requirement affect my insurance rates?
An SR-22 itself is a filing — it's the underlying violation or driving record that affects your premium. Rates for drivers who require SR-22 or SR-22A filings are typically higher than standard rates, but they vary significantly by carrier. Because we compare multiple carriers, we can help you find coverage that meets the state's requirements without paying more than necessary.An SR-22 itself is a filing — it's the underlying violation or driving record that affects your premium. Rates for drivers who require SR-22 or SR-22A filings are typically higher than standard rates, but they vary significantly by carrier. Because we compare multiple carriers, we can help you find coverage that meets the state's requirements without paying more than necessary.Can I get SR-22 insurance if I don't own a car?
Yes. A non-owner SR-22 policy provides liability coverage for drivers who don't own a vehicle but still need to satisfy the state's filing requirement. It covers you when driving vehicles you don't own and is generally less expensive than a standard auto policy. We write non-owner policies and can file the SR-22 on your behalf.Yes. A non-owner SR-22 policy provides liability coverage for drivers who don't own a vehicle but still need to satisfy the state's filing requirement. It covers you when driving vehicles you don't own and is generally less expensive than a standard auto policy. We write non-owner policies and can file the SR-22 on your behalf.
Get Your SR-22 Filed Through a Decatur Agency That Knows Georgia's Requirements
Focus Insurance Group has been helping Decatur-area drivers navigate SR-22 and SR-22A requirements for more than 40 years. We work with carriers that write high-risk auto insurance in Georgia, and we handle the filing directly so you're not left figuring out the paperwork on your own. Our office is at 2373 Lawrenceville Highway — the same location we've operated from since 1989 — and we're available Monday through Friday, 9:00am to 5:00pm.
Call us at (404) 633-3333 to get started. We'll find out exactly what the state requires, compare your options across multiple carriers, and get your filing submitted the same day.
