How to Get Non-Owner SR-22 Insurance in Georgia
If you need an SR-22 in Georgia but don’t own a car, a non-owner car insurance policy is a viable option.
Written by Andrew Hobson
Reviewed by Shannon Martin
Table of Contents
- What is SR-22 insurance?
- Who needs an SR-22 in Georgia?
- What about SR-22A's in Georgia?
- How to get non-owner SR-22 insurance in Ohio
- FAQs
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If you need to file an SR-22 to reinstate your license but don’t own an automobile, non-owner SR-22 car insurance in Georgia is a viable option—but you will have to check with your provider to make sure they can file an SR-22 on your behalf.
In the state of Georgia, drivers must have liability insurance that meets the minimum limits to drive on public roads and highways. The risk burden is more significant for drivers with serious driving violations on their record; thus, their
proof of insurance
requirements is elevated. Some drivers with a major violation, like a DUI/DWI may be required to file an SR-22 with the Georgia Department of Driver Services (DDS) to prove that they have the proper
car insurance
limits to drive legally. But if you don’t own an automobile and need SR-22 insurance, then non-owner car insurance is the best solution. This is how you get it in Georgia. Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat is SR-22 insurance?
SR-22
technically isn’t insurance at all. SR-22, which stands for Safety Responsibility, is a certificate of financial responsibility that your insurer submits to the DDS to prove to them that you have an auto insurance policy with Georgia’s state-mandated liability limits. If you have previously obtained a major moving violation like DUI/DWI offense that caused you to lose your license, in addition to paying a reinstatement fee, you may have to have your insurer file an SR-22 claim.
Georgia auto insurance requirements
Per
Georgia’s state requirements,
vehicle owners must carry liability insurance to drive their cars legally. The breakdown of amounts on the liability insurance is as follows: - Bodily injury liability coverage:$25,000 per person / $50,000 per accident
Liability insurance is the only required driving insurance in Georgia. If you need to fulfill an SR-22 obligation you can do so with a liability-only insurance policy. Although it should be noted that additional insurance coverages are highly recommended in order to protect both yourself and your vehicle.
Who needs an SR-22 in Georgia?
Each state has a different list of offenses that will require you to file an SR-22. In Georgia, if you commit any of the following violations, you may have to file an SR-22.
The state will notify you by letter or at your court hearing if an SR-22 is required to reinstate your license. Once it is filed and other obligations (community service, fines, etc.) are met, your licsence will be reinstated.
For most drivers, the DDS will require you to file an SR-22 for up to 3 years, although a court can order you to file for longer if the offenses are more serious.
What about SR-22A's in Georgia?
Georgia is one of three states that also use SR-22A and SR-22 forms. SR-22A’s are ordered in the case of financial violations concerning driving. You may have to file an SR-22A in Georgia if you commit any of the following offenses:
- Failure to pay a court-ordered judgment like Child support
- Driving without insurance but not being involved in an at-fault accident
MORE: Georgia car laws you never knew existed.
How to get non-owner SR-22 insurance in Ohio
If you are required to file an SR-22 certificate and don’t own a car, then a non-owner car insurance policy is the cheapest, most viable option. Non-owner
car insurance
is liability-only insurance coverage for people who drive regularly but do not own a car. Most insurance companies offer non-owner insurance packages—but not all of them can file SR-22’s. Companies in Georgia that offer non-owner SR-22 insurance include:
State Farm
, Allstate
, and Country Financial. To obtain a non-owner SR-22 insurance policy in Georgia, you will need to:
- Contact your insurer or other agencies and ask if they offer non-owner insurance to drivers with SR-22 or SR-22A requirements.
- Be sure to reach out to multiple agencies to compare multiple quotes. This will be the best way to find affordable coverage.
- Inquire about insurance discounts. Since this policy may be expensive, it helps to save any money you can and some providers will lower your policy if you take a driving class or pay your bill in full and upfront.
Once the insurance provider approves your policy and application, they will file the SR-22 form with the state on your behalf. Keep in mind that this is an added cost, in addition to your raised insurance premium, and that it usually costs around $25 for your insurance company to file your SR22.
“My speeding ticket raised my insurance to $310/month.Jerrygot me full comprehensive coverage on two vehicles for $144/month through Progressive. I definitely recommend giving them a try.” —Brandon D.
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FAQs
Can anyone get an SR-22 in Georgia?
Only Georgia drivers who have committed serious driving or financial violations must file SR-22 or SR-22A certificates. Minor offenses may raise your insurance premiums, but an SR-22 is only required if you’ve committed a major violation in Georgia.
How long does an SR-22 last in Georgia?
The majority of SR-22 and SR-22A filing requirements last up to three years, although a court could order a longer period if you frequently commit major offenses.
