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.
Call now 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.
1-800-353-0545Mon–Fri 9am–7pm 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.