Medical Hardship License
Get a Quote

Medical Hardship License — Georgia

Georgia does not issue a dedicated medical hardship license — medical-purpose driving falls under the Limited Driving Permit framework after license suspension. You must prove medical necessity with physician documentation and demonstrate that alternative transport is unavailable. Processing typically takes 30–45 days from application submission.

Compare Georgia Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Driver navigating heavy traffic among cars and trucks on a busy highway at dawn
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated July 2026

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.

Georgia cityscape and street view
25/50/25
Liability Insurance
Georgia requires $25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage. The DDS will not approve a Limited Driving Permit without proof of continuous liability coverage meeting or exceeding these minimums. If your suspension stemmed from a DUI, at-fault accident causing injury, or driving without insurance, you must carry SR-22 filing alongside your liability policy for three years — SR-22 is not a separate insurance product but a continuous certification filed by your carrier with the DDS.
Required for most suspensions
SR-22 Filing
SR-22 is a form your insurance carrier files with the Georgia DDS certifying you maintain continuous liability coverage at or above state minimums. Georgia requires SR-22 for three years following DUI conviction, at-fault accident without insurance, accumulation of 15 points in 24 months, or reckless driving. Your carrier charges a one-time filing fee (typically $15–$35) plus elevated premiums reflecting high-risk classification. If your policy lapses for any reason, the carrier notifies DDS immediately and your Limited Driving Permit is suspended the same day.
Alternative for non-vehicle owners
Non-Owner SR-22 Policy
If you do not own a vehicle but need to drive someone else's car for medical trips — for example, using a family member's vehicle to reach dialysis three times weekly — you can obtain non-owner SR-22 coverage. This policy provides liability protection when you drive any vehicle you do not own and satisfies the DDS SR-22 filing requirement. Premiums typically range $40–$80 monthly depending on your violation history. The policy holder must be listed as an occasional driver on the vehicle owner's policy or the non-owner policy may not respond to a claim.
Not required but recommended
Uninsured Motorist Coverage
Georgia does not require uninsured motorist (UM) coverage, but carriers must offer it and you must reject it in writing at policy inception. If you are driving to regular medical appointments — dialysis, oncology treatment, specialist visits — an accident caused by an uninsured driver could interrupt life-sustaining care. Georgia has one of the highest uninsured driver rates in the Southeast. UM coverage costs approximately $8–$15 monthly for 25/50 limits and pays your medical bills and lost income if an uninsured driver causes an accident.
State-Mandated Minimum Coverage · Georgia

Georgia Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$200

Meeting the state minimum keeps you legal. See whether it's enough — get your Georgia quote.

Get your Georgia quote

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
Minimum Coverage
$140–$180/mo
State minimum liability (25/50/25) with SR-22 filing. No collision or comprehensive. Lowest legal cost but leaves you financially exposed if you cause an accident or your vehicle is damaged.
Standard Coverage
$180–$220/mo
State minimums plus uninsured motorist coverage at 25/50 limits and $500 deductible comprehensive to cover theft or weather damage. Recommended for drivers making regular medical trips.
Full Coverage
$220–$280/mo
100/300/100 liability, uninsured motorist at matching limits, collision and comprehensive with $500 deductibles. Appropriate if you are financing a vehicle or need maximum protection during the SR-22 period.

Compare car insurance rates in your state

Get quotes from licensed carriers — no obligation, no spam, results in minutes.

Get Your Free Quote
✓ No Obligation Required✓ Licensed Carriers Only✓ Available Nationwide✓ Free to Compare

Coverage 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.

Find Your City in Georgia

Atlanta, Georgia cityscape and street view

Atlanta

urban
Columbus, Georgia cityscape and street view

Columbus

urban
Augusta, Georgia cityscape and street view

Augusta

urban

Macon

urban
Historic paddle wheel steamboat docked at waterfront with city skyline and domed building at sunset

Savannah

urban
Orthodox monastery with white stone walls, twin bell towers, arched colonnade and red tile roof under blue sky

Athens

suburban
Illuminated evening walkway with railings and gardens, historic buildings and church dome in background

Sandy Springs

suburban
Bright green tree leaves with serrated edges against blue sky on sunny day

Roswell

suburban
Peaceful autumn stream flowing through forest with colorful fall foliage and overcast sky reflection

Johns Creek

suburban
Sunlight filtering through green forest canopy with tall trees creating a peaceful woodland scene

Warner Robins

suburban
Aerial view of suburban town at sunset with buildings, parking lots, and tree-lined streets in golden light

Albany

urban
White Orthodox monastery with twin bell towers, red tile roof, and arched colonnade under blue sky

Alpharetta

suburban

Frequently Asked Questions

Get Your Free Quote in Georgia