Cheapest SR-22 Insurance in Georgia for 2024 (Top 10 Low-Cost Companies)
State Farm, Allstate, and Geico have the cheapest SR-22 insurance in Georgia, with rates starting as low as $29/month. State Farm offers the lowest rates, Allstate provides risk management rewards, and Geico offers vehicle safety incentives, making them the best choice for Georgia SR-22 coverage.
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Jeff Root
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Nov 27, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsState Farm, Allstate, and Geico have the cheapest SR-22 insurance in Georgia, with minimum coverage rates as low as $29/month.
The article examines the rates for SR-22 auto insurance for high-risk drivers in Georgia. It shows how the monthly costs vary with different levels of coverage.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Georgia
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $29 | B | Loyalty Discounts | State Farm |
 | #2 | $30 | A+ | Safe Drivers | Allstate |
 | #3 | $35 | A++ | Efficient Filing | Geico |
 | #4 | $37 | A++ | Bundling Options | Travelers |
 | #5 | $38 | A+ | SmartMile Program | Nationwide |
 | #6 | $40 | A | Customer Loyalty | American Family |
 | #7 | $42 | A+ | Usage-Based Pricing | Progressive |
 | #8 | $45 | A | Multiple Discounts | Farmers |
 | #9 | $48 | A+ | AARP Affiliation | The Hartford |
 | #10 | $50 | A | Flexible Payments | Liberty Mutual |
It mentions some discounts, such as multi-policy deals, to help keep premiums in check while still providing the necessary protection for high-risk drivers.
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- Find the cheapest SR-22 insurance rates in Georgia for $29/month
- State Farm offers the most affordable Georgia SR-22 insurance
- Allstate and Geico have unique SR-22 discounts and coverage options
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#1 – State Farm: Top Overall Pick
Pros
- Market-Leading Rates: It provides the cheapest monthly SR-22 insurance in Georgia at $29, making it much more affordable for high-risk drivers.
- Comprehensive Discount Structure: This structure provides auto-pay and responsible payer discounts for SR-22 filing in Georgia, helping reduce long-term insurance costs.
- Full Coverage Value: Maintains the most competitive monthly full coverage rate at $108 for SR-22 insurance holders in Georgia. Compare quotes in our State Farm auto insurance review.
Cons
- Low Financial Score: Other cheap SR-22 auto insurance companies in Georgia have better A.M. Best ratings for financial stability.
- Strict Eligibility: State Farm’s SR-22 loyalty discount program in Georgia requires longer commitment periods than competitors.
#2 – Allstate: Cheapest for Safe Drivers
Pros
- Safety Program Integration: This program offers defensive driving course discounts that can reduce SR-22 insurance rates by up to 15% in Georgia. Learn more in our Allstate auto insurance review.
- Early Filing Benefits: This program provides early bird discounts specifically for SR-22 insurance holders who file documentation ahead of Georgia deadlines.
- Risk Management Rewards: Implements a unique safe driver program that can reduce Georgia SR-22 insurance rates by up to 20% after maintaining a clean record.
Cons
- Premium Increase Pattern: SR-22 full coverage rates tend to increase more substantially after incidents than other Georgia providers.
- Limited Military Benefits: There are fewer military discounts for SR-22 insurance than other big insurance companies in Georgia.
#3 – Geico: Best SR-22 Filing Efficiency
Pros
- Digital Filing Efficiency: Streamlines the SR-22 filing process in Georgia through automated systems, reducing processing time by up to 50%.
- Affinity Group Savings: Partners with over 500 organizations in Georgia to offer exclusive SR-22 insurance discounts for group members.
- Vehicle Safety Incentives: Boasts up to 25% reduction in SR-22 insurance rates for vehicles with advanced safety features in Georgia. Get a full discount list in our Geico auto insurance review.
Cons
- Limited In-Person Support: There are fewer physical offices in Georgia for SR-22 insurance holders who prefer face-to-face consultations.
- Strict Payment Terms: SR-22 insurance has fewer flexible payment options than other providers in Georgia and comes with tougher late payment penalties.
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#4 – Travelers: Cheapest Bundling Options
Pros
- Multi-Policy Integration: Offers up to 30% savings when combining SR-22 auto insurance with home insurance in Georgia.
- Federal Employee Benefits: Provides special SR-22 insurance rates and filing assistance for government workers in Georgia. (Read More: Cheap Auto Insurance for Government Employees)
- Equipment Discount Structure: This structure offers comprehensive discounts for vehicle safety equipment, which can reduce SR-22 insurance costs in Georgia by up to 15%.
Cons
- Complex Bundling Requirements: Requires minimum coverage levels across all bundled policies for SR-22 insurance holders in Georgia.
- Location-Based Restrictions: Higher SR-22 insurance rates in certain Georgia zip codes than competing providers.
#5 – Nationwide: Best for Pay-Per-Mile Savings
Pros
- Mileage-Based Advantages: Signing up for SmartMiles can help low-mileage get cheap Georgia SR-22 car insurance. Learn how in our Nationwide SmartMiles review.
- Hybrid Vehicle Benefits: Special discount structure for eco-friendly vehicles under SR-22 insurance requirements in Georgia.
- Payment Flexibility: Offers one of the best pay-in-full auto insurance discounts and multiple payment options for SR-22 insurance holders in Georgia.
Cons
- Mileage Requirements: The SmartMiles program requires Georgia SR-22 drivers to drive less than 11,000 miles annually.
- Coverage Gaps: Some SR-22 insurance options available in other states are not offered in Georgia.
#6 – American Family: Best for Customer Loyalty
Pros
- Long-Term Rate Stability: Maintains consistent SR-22 insurance rates for loyal customers in Georgia with lineage discounts and minimal annual increases.
- Paperless Incentives: Additional discounts for SR-22 insurance holders opting for digital documentation in Georgia.
- Coverage Continuation Benefits: Rewards continuous SR-22 insurance coverage with decreasing rates over time in Georgia. (Read More: American Family Auto Insurance Review)
Cons
- Limited Initial Discounts: There are fewer immediate discount options for new SR-22 insurance customers in Georgia than competitors.
- Regional Coverage Limits: Some SR-22 insurance features available in neighboring states are not offered in Georgia.
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#7 – Progressive: Cheapest Usage-Based Pricing
Pros
- Usage-Based Rate Structure: Adjusts SR-22 insurance rates monthly based on actual driving behavior with Progressive Snapshot in Georgia.
- Financial Flexibility: Offers more payment plan options for SR-22 insurance holders than other Georgia providers.
- Claims Integration: Our Progressive auto insurance review highlights the company’s streamlined claims process specifically designed for SR-22 insurance holders in Georgia with 24/7 support.
Cons
- Base Rate Positioning: Initial SR-22 insurance rates in Georgia are $42 monthly, higher than those of top competitors.
- Coverage Requirements: Stricter minimum coverage requirements for SR-22 insurance holders in Georgia compared to standard policies.
#8 – Farmers: Best for Multiple Discounts
Pros
- Accident Forgiveness Integration: Offers a unique accident forgiveness program for SR-22 insurance holders in Georgia.
- Educational Savings: Substantial student discounts for young drivers who must meet Georgia SR-22 requirements.
- Safety Course Benefits: Offers the highest defensive driving course discount for SR-22 insurance at 20% in Georgia.
Cons
- Higher Base Premiums: Georgia’s starting SR-22 insurance rates are higher than the competition, starting at $45 monthly.
- Restrictive Policies: More stringent policy modification rules for SR-22 insurance holders than standard policies in Georgia.
#9 – The Hartford: Cheapest for AARP Members
Pros
- Senior Driver Benefits: Special SR-22 insurance rates and assistance programs for AARP members in Georgia.
- Age-Based Advantages: Unique discount structure for drivers over 50 with SR-22 filings in Georgia.
- Specialized Support: Offers the best auto insurance for seniors in Georgia, with a dedicated SR-22 insurance support team to help senior drivers navigate filing requirements.
Cons
- Age Restrictions: Only senior drivers with AARP memberships can buy The Hartford SR-22 auto insurance in Georgia.
- Premium Positioning: Higher monthly rates at $48 for SR-22 insurance compared to leading providers in Georgia.
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#10 – Liberty Mutual: Best for Flexible Payments
Pros
- Payment Customization: As mentioned in our Liberty Mutual auto insurance review, it offers the most flexible payment plans for SR-22 insurance holders in Georgia.
- Alternative Vehicle Coverage: Special rates for hybrid and electric vehicles requiring SR-22 insurance in Georgia.
- Good Payer Benefits: Unique discount structure for SR-22 insurance holders with a perfect payment history in Georgia.
Cons
- Premium Cost Position: Georgia’s highest base rate for SR-22 insurance is $50 monthly.
- Coverage Implementation: Longer processing times for SR-22 insurance filing changes compared to other Georgia providers.
Monthly SR-22 Insurance Costs in Georgia
If you’re a high-risk driver needing SR-22 insurance in Georgia, you should compare how much you’ll pay monthly for coverage. The table below highlights the minimum and full coverage rates offered by top insurance companies:
Georgia SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $30 | $115 |
| $40 | $110 |
| $45 | $105 |
| $35 | $120 |
| $50 | $125 |
| $38 | $118 |
| $42 | $112 |
| $29 | $108 |
| $48 | $130 |
| $37 | $122 |
Knowing the monthly costs of SR-22 auto insurance in Georgia from different providers and various coverage levels can help you make a better decision.
Georgia SR-22 filings only confirm you meet your state’s minimum car insurance requirements. Adding full coverage will raise rates, so always compare multiple companies to find a price that fits your budget.
The Georgia car insurance report card evaluates how satisfied people are when they file claims, the quality of customer service, the affordability of insurance, the discounts offered, and the overall strength of the insurance companies. Here’s an easy summary of how these companies performed in these categories:
Georgia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Satisfaction | A | High satisfaction ratings for quick processing |
| Customer Service | A | Consistently positive reviews for service |
| Affordability | B | Premiums are slightly above the national average |
| Discount Availability | B | Good range of discounts for various needs |
| Financial Strength | C | Some smaller providers rated lower financially |
The report says that Georgia does a great job of helping people with their insurance claims and providing good customer service. However, it also points out that some smaller insurance companies need to work on being more affordable and strong financially. This information helps people in Georgia choose the best car insurance for themselves.
Georgia SR-22 Auto Insurance Discounts
Looking for the cheapest SR-22 insurance in Georgia can be tricky, but you can score some good discounts to help with the cost. Check out the table below for some of the top providers and their discounts:
Auto Insurance Discounts From the Top Providers for SR-22 in Georgia
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft, Good Student, Responsible Payer, Auto-Pay |
| Safe Driver, Defensive Driving, Multi-Vehicle, Early Bird, Loyalty, Good Student |
| Good Student, Multi-Policy, Safe Driver, Homeowner, Affinity Group, Vehicle Safety |
| Multi-Policy, Good Driver, Defensive Driving, Vehicle Equipment, Military, Federal Employee |
| Multi-Policy, Pay-in-Full, Anti-Theft, Good Student, Homeowner, Hybrid Vehicle |
| Multi-Policy, SmartRide (Usage-Based), Accident-Free, Paperless, Defensive Driving |
| Multi-Policy, Safe Driver, Paperless, Pay-in-Full, Homeowner, Continuous Coverage |
| Accident-Free, Good Student, Multi-Policy, Defensive Driving, Vehicle Safety Features |
| AARP Membership, Bundling (Auto + Home), Defensive Driving, Good Student |
| Safe Driver, Multi-Policy, Hybrid/Electric Vehicle, Pay-in-Full, Good Payer |
Leveraging these discounts, especially bundling options, can significantly reduce your SR-22 insurance costs. Learn how to save money by bundling insurance policies.
If you combine your SR-22 coverage with other plans, you could save even more. Bundling is a smart way to keep your rates down and stay protected.
Georgia SR-22 Auto Insurance Discounts and Savings Amounts by Provider
| Discount Name | Savings | Participating Providers |
|---|---|---|
| Safe Driver Discount | 20% | State Farm, Allstate, Progressive |
| Multi-Policy Discount | 15% | Nationwide, Geico, Allstate |
| Defensive Driving Course | 10% | Progressive, Liberty Mutual, Farmers |
| Good Student Discount | 8% | Allstate, American Family, State Farm |
| Early Renewal Discount | 5% | Geico, Travelers |
Prices can be brought down overall thanks to discounts like the safe driver discount (20%) and multi-policy discount (15%), which can be very useful for SR-22 drivers who are often stuck with higher premiums because of previous driving violations.
Read More: Best Georgia Auto Insurance Companies
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Georgia SR-22 Insurance Review: Accidents & Claims
Understanding the state’s most common auto insurance claims can provide valuable insight into the risks Georgia drivers who need SR-22 insurance may face.
5 Most Common Auto Insurance Claims in Georgia
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 40% | $4,500 |
| Single Vehicle Accident | 20% | $6,000 |
| Intersection Accident | 15% | $5,200 |
| Parked Vehicle Damage | 15% | $3,000 |
| Theft | 10% | $6,500 |
Given that theft and parked vehicle damage account for a large share of claims (10% and 15%, respectively), Georgia’s SR-22 insurance buyers can now better judge their driving habits and whether they need to purchase coverage that could help reduce these risks.
Georgia Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Atlanta | 3,200 | 2,500 |
| Augusta | 1,600 | 1,300 |
| Columbus | 1,000 | 800 |
| Macon | 700 | 550 |
| Savannah | 1,200 | 900 |
Though SR-22 insurance in Atlanta, Georgia is a touch above the national average, the state’s overall claims trends and available discounts can help SR-22 buyers throughout Peach State find more affordable options and get the coverage they need without going broke.
The Best Companies for Cheap Georgia SR-22 Insurance
State Farm, Allstate, and Geico have the cheapest SR-22 insurance in Georgia. They are known for affordability, strong customer service, and great discount options.
The cheapest SR-22 insurance isn't always the first policy you see. It’s about finding the right balance of affordability and coverage.Jeff Root LICENSED INSURANCE AGENT
State Farm excels with reliable support and safe driver discounts, Allstate offers competitive rates with bundling, and Geico provides cheap SR-22 insurance in GA through efficient operations.
These strengths make them the top contenders for SR-22 coverage, and you can get quotes from each to compare rates and find the best fit for your needs.
Explore your high-risk auto insurance options by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
What is the best Georgia car insurance for SR-22?
State Farm is often considered the best option for SR-22 insurance in Georgia. You might need to file SR-22 if you have serious violations (Read More: What is a DUI?).
How much does SR-22 insurance cost per month in Georgia?
The average cost of SR-22 car insurance in Georgia is typically between $30 and $100 per month, depending on factors like driving history, age, and the insurance provider.
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How long is SR-22 required in Georgia?
In Georgia, an SR-22 is typically required for 3 years from the violation date.
Why is Georgia SR-22 insurance so expensive?
SR-22 insurance is more expensive due to the driver’s higher risk status. To find the best rates, it’s essential to compare auto insurance rates from different providers.
How do I get SR-22 in Georgia?
Getting SR-22 car insurance in Georgia is simple. You must request it from your insurance provider, who will file the form with the state’s Department of Driver Services (DDS) on your behalf.
What is the difference between SR-22 and SR-22A in Georgia?
SR-22 and SR-22A are both forms of proof that you can cover your financial responsibilities if you get into an accident. SR-22A is specifically for drivers who are considered higher risk or who have several violations on their record. Check with your insurance company about your SR-22 status to ensure you have the right form.
Who offers the lowest SR-22 car insurance?
State Farm often has the cheapest SR-22 car insurance in Georgia, starting at just $29 monthly for those who qualify. Just check the costs and that you meet all the requirements to snag those prices.
How can I lower my SR-22 car insurance rates in Georgia?
You can lower your SR-22 car insurance in Georgia by maintaining a clean driving record, taking defensive driving courses, and shopping for the best rates. Review your current policy to ensure you get the best coverage for your needs.
Can I switch insurance providers while carrying an SR-22 in Georgia?
Yes, you can switch insurance providers while carrying an SR-22 in Georgia. However, you must ensure that your new provider files the SR-22 form with the state’s Department of Driver Services (DDS) immediately to avoid a lapse in coverage, which could lead to license suspension.
What is the best SR-22 insurance for old cars?
For older cars, consider State Farm or Geico for affordable rates and coverage that balances cost with protection for less valuable vehicles. Stop overpaying for insurance. Enter your ZIP code to view companies with cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.