Below is a list of the best Sr22 insurance ga public topics compiled and compiled by our team
The SR22 insurance in Georgia process is a requirement in the state for drivers who are reinstating their driver’s license. The reason for reinstatement can be for drivers who have been charged with driving under the influence (DUI). In Georgia, a driver with a blood alcohol count (BAC) of .08 or higher is considered to be driving under the influence. The SR22 may also be required for other types of motor vehicle violations considered serious offenses such as:
- Driving without auto insurance.
- Driving with a suspended license.
- Reckless driving.
- Convicted of driving while Intoxicated (DWI).
- Involvement in a not-at-fault or an at-fault accident without having auto insurance.
- Too many traffic tickets or repeat offenses in a short time.
- Driving with a revoked license.
Penalties for DUI
Penalties for driving unlawfully while intoxicated include:
- License suspension.
- Jail time.
- Alcohol education class.
Penalties for a driver convicted of DUI are broken down by the number of offenses they incur:
- Spending time incarcerated in jail can range from 10 days to 12 months.
- A minimum of 40 hours of community service may be required.
- Fines can range from $300 to $1000.
- The minimum time for the driver’s license to be suspended is 180 days.
- Jail time increases to 90 days to one year.
- Community service is required for a minimum of 30 days.
- An increase in the fine ranges from $600 to $1000.
- The individual’s driver’s license may be suspended for three years.
- Time in jail ranges from 120 days to 1 year.
- There is a minimum of 30 days community service.
- The fine increases $1000 to $5000.
- There is a five-year suspension of the individual’s driver’s license.
What Is SR22 Insurance in Georgia?
When a driver’s license is being reinstated, an individual’s insurance company is responsible for filing an SR22 with the Department of Motor Vehicles (DMV). The form is a verification to the state that the driver has fulfilled the state’s minimum liability coverage requirements for three years.
Information from The General further explains how the SR22 is applicable for reinstatement 90 days after the initial suspension. The form, known as the Georgia Safety Responsibility Insurance Certificate, must show via a receipt that the driver has paid for applicable auto coverage and that the driver is in compliance with the minimum requirements by the state.
Maintaining the SR22 coverage for no less than one year is required by the driver. If, for any reason, the insurance policy is canceled by the driver within three years, the Georgia Department of Driver Services is notified resulting in the cancelation of the individual’s driver’s license.
According to the Serenity Group, the minimum liability coverage in Georgia is $25,000 for incidents when there is an injury to one person, $50,000 in coverage for an injury to two or more individuals, and $20,000 to cover property damage. If the driver does not pay their insurance premium, it can result in the driver’s license being suspended.
Additional SR22 Information
It is important for drivers who are required to file an SR22 to keep in mind that it is not insurance. It is the form filed with the state providing proof that you do have insurance. The form may also be referred to as an SR-22 Form, SR-22 Bond, or a Certificate of Financial Responsibility.
According to SOLO Insurance, drivers filing an SR22 must list any owned vehicles on the form. If a driver is trying to get their license reinstated but no longer own a vehicle, there is the possibility of qualifying for a Non-Owner policy.
A non-owner policy is an option for drivers who need to file an SR22 form because they have access to other vehicles to drive such as those belonging to a family member or a friend. Having auto insurance while maintaining SR22 requirements also allows drivers who don’t own a vehicle to rent a vehicle, at any time, and be in compliance with state insurance regulations.
In Georgia, rates for a non-owner auto insurance policy vary depending on the insurance company. On average, the estimated cost is $1107 annually.
Estimated Cost of SR22 Insurance
When purchasing auto insurance to satisfy the state’s SR22 requirements, drivers may find the cost of the coverage to be higher according to MoneyGeek. The mandatory length of time for maintaining an SR22 certificate is three years. How long the state of Georgia requires it depends on the seriousness of the offense/violation.
Although a judge may mandate that a convicted driver have the SR22 form filed with the state by their auto insurance company, the driver may be deemed high-risk. If this happens, the auto insurance company is not obligated to offer SR22 services.
The Zebra offers a breakdown of the typical prices for auto insurance for drivers in Georgia who must file an SR22 due to a violation.
The average annual rate is as follows:
- $1609 for no violations/
- $2502 for an at-fault crash greater than $2000.
- $2164 for speeding 21 to 25 miles per hour over the posted speed limit.
- $2461 for reckless driving.
- $2,678 for racing.
- $3025 for a hit-and-run.
- $2846 for driving under the influence (DUI) or driving while intoxicated (DWI).
If the driver allows the auto insurance to lapse before the designated time the SR22 certificate is in effect, this can lead to another suspension of their license. If a financial situation arises and the driver cannot afford the premium, WalletHub recommends contacting the insurance provider for alternative payment plans to avoid policy cancellation. Drivers who plan to relocate to another state must still maintain the SR22 certificate.
Check this out if you need additional information, resources, or guidance on car insurance.
SR22 Insurance – Georgia (GA) | serenitygroup.com Accessed August 2, 2021.
Georgia Car Insurance | thegeneral.com Accessed August 3, 2021.
SR-22 Insurance | soloinsurance.net Accessed August 3, 2021.
Georgia SR-22 Insurance: What It Is and How Much It Costs | moneygeek.com Accessed August 3, 2021.
Auto Insurance with an SR-22 in Georgia | thezebra.com Accessed August 3, 2021.
How long do you need an SR-22 in Georgia? | wallethub.com Accessed August 3, 2021.
What Is the Best Insurance for SR22? | caranddriver.com Accessed August 3, 2021.
Car Insurance | caranddriver.com Accessed August 3, 2021.