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How Long Does SR-22 Insurance Last?

The amount of time you must file an SR-22 form varies depending on why you must file. SR-22 is often referred to as a type of insurance, but it’s a form that the state requires you to file.  

An SR-22 form comes directly from your auto insurance company. It proves that your auto insurance meets Georgia’s minimum requirements for liability coverage.  

If you’re ordered to file SR-22 in Georgia, contact Peachstate Insurance right away to verify that your coverage meets Georgia’s minimum liability coverage standards. Our agents can help you review your current coverage and, if necessary, help you shop around for auto insurance so you can get the best possible rates.  

Who Must File SR-22?

If you’ve been convicted of a serious traffic offense, such as driving while intoxicated (DUI) or multiple moving violations, a judge or the Georgia Department of Motor Vehicles (DMV) may order you to file SR-22. Your insurer may charge a fee to file the form on your behalf.  

If there isn’t a car registered to your name, you are still required to file SR-22. Talk with your agent about whether non-owner liability coverage may be a good fit.  

Is Auto Insurance for SR-22 Expensive?
In general, if you must file SR-22, your auto insurance premiums are higher than average. Some insurers may cancel coverage after serious driving violations.  

Since auto insurers base premiums on the projected statistical risk that an insured person will file a claim, speeding tickets and other moving violations typically trigger an increase in your auto insurance rates.  

If you have an auto loan or lease, your lienholder requires you to carry full coverage insurance on your vehicle, regardless of whether you’ve been ordered to file SR-22.  

Your agent can help you understand how your premiums may change after you receive an order to file SR-22. They may recommend switching insurers to get the best combination of value and coverage.  

How Long Do I Need to File SR-22?
Many people who must file SR-22 are required to do so for three years. There’s no one-size-fits-all answer to this question, however. The paperwork you receive from a Georgia judge or the DMV will indicate exactly how long you must file SR-22.  

Failure to maintain the minimum amount of liability coverage required to fulfill SR-22 requirements may result in the revocation of your Georgia driver’s license.  

Contact Us
At Peachstate Insurance, we specialize in helping Georgia residents get the best possible rates on SR-22 conforming auto insurance. We can help assess your situation and get the appropriate coverage to help you remain in compliance with SR-22 rules.  



This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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