Minimum Coverage Requirements in Georgia
Georgia operates under a tort liability system and requires proof of financial responsibility for all drivers. After license suspension, the Georgia Department of Driver Services (DDS) administers Limited Driving Permits for essential purposes including medical appointments — either your own treatment or transporting a dependent family member. Most suspensions require SR-22 filing before permit approval.
How Much Does Car Insurance Cost in Georgia?
Georgia SR-22 premiums for drivers with suspensions requiring medical hardship permits typically range $140–$220 monthly depending on the underlying violation, age, county, and carrier. DUI-related suspensions generate the highest premiums. Carriers writing high-risk policies in Georgia include The General, Direct Auto, Acceptance Insurance, and National General.
What Affects Your Rate
- DUI conviction adds $90–$140 monthly compared to a non-DUI suspension in Georgia
- Atlanta metro drivers pay 20–30% more than rural Georgia counties due to accident frequency and theft rates
- Drivers over age 50 with clean records prior to suspension pay 15–25% less than drivers under 30 with the same violation
- Maintaining continuous coverage without lapses for 12 months can reduce premiums by 10–15% at renewal
- SR-22 filing itself costs $15–$35 one-time, but the high-risk classification increases base premiums for the entire three-year filing period
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Get Your Free QuoteCoverage Types
Medical-Hardship SR-22 Insurance
SR-22 is mandatory for most suspensions requiring a Limited Driving Permit in Georgia. It certifies continuous liability coverage to the DDS for three years.
Non-Owner SR-22 for Medical Trips
Non-owner policies provide liability coverage when you drive a vehicle you do not own, satisfying SR-22 requirements without owning a car.
Caregiver-Use Restricted Coverage
Standard liability coverage structured for drivers whose only use-case is transporting a dependent family member to medical appointments.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if an uninsured driver causes an accident. Not required in Georgia but strongly recommended for regular medical-trip drivers.
Compliance-Only Medical-Hardship Coverage
Bare minimum liability policy at 25/50/25 limits with SR-22 filing, designed solely to satisfy DDS permit requirements at the lowest possible monthly cost.
