Non owner SR22 insurance in Georgia
Georgia drivers need a specific type of coverage: Non owner SR22 insurance Georgia. Georgia Driver Services uses the name SR-22A Non-Owner's policy. It combines liability coverage with a form that your insurer submits as evidence of the minimum coverage. A second or later no-insurance conviction plus owning no vehicle means you need one.
- DDS wants the SR-22A kept for 3 years, counted from the date of the conviction.
- $300A second or later no-insurance suspension carries a DDS reinstatement fee for payment by mail.
- 25/50/25In thousands of dollars, these are the minimum liability limits
- Nonowner's.In Georgia, the policy for drivers who own no vehicle is named SR-22A.
Call 833-958-5598A licensed agent sorts out the policy you need on the phone.
A quick look at Georgia SR-22
| Item | Georgia |
|---|---|
| Form name | SR-22A (Georgia Safety Responsibility Insurance Certificate) |
| Triggers | A second or later No Insurance conviction |
| Filing period | Three years from the conviction date |
| Payment | Prepay in full every six months |
| Reinstatement fee, second or more | $300 by mail, $310 in person |
| Minimum limits | Per person, $25,000; per incident, $50,000; property damage, $25,000 |
Georgia SR-22A at a glance, with figures taken only from Georgia sources.
What causes an SR-22a under Georgia rules?
The Georgia DDS guidance for multiple no-insurance convictions requires anyone convicted of No Insurance citations after the first to buy and maintain an SR-22A policy. Before you can reinstate, you must also serve a 90-day suspension, and no limited permit is available during that period.
A first offense is treated more lightly. The first offense information page says that proof of insurance must be shown once 60 days have passed. For your first such offense within five years, a plea of no contest prevents the suspension.
Georgia non-owner drivers
DDS gives a direct answer about having no car. The rule still applies if a customer does not own a vehicle. An SR-22A Non-Owner's policy is something they must purchase.
The first-offense page gives the reason: vehicle ownership does not matter, because the driver must always show valid insurance.
How DDS receives it, filing period and payment
According to DDS, the Non-Owners policy must stay in place for three years from the conviction date. Every six months, you pay the full amount in advance.
Your insurance company can send the paperwork to DDS by fax. A plain SR-22 can be accepted when it shows Paid In Full as its payment status. For an out-of-state policy, you need proof of Georgia minimum limits and a receipt showing valid payment.
Georgia fees for reinstatement and minimum limits
When No Proof of Insurance results in a second or later suspension, the DDS fee table shows $300 by mail and $310 in person. $200 by mail and $210 in person apply to a first offense. The page states that it does not accept partial payments.
No state fee appears for the SR-22A form on the DDS pages. Your insurer may charge its own filing fee, so ask about it.
According to the office of the Georgia insurance commissioner, liability minimums are $25,000 for each person hurt, $50,000 per incident, and $25,000 for property damage.
What if the policy gets cancelled?
DDS gives a direct answer. Your insurer tells DDS when your SR-22A policy is cancelled, which cancels your driver's license. Maintain coverage for the full three years.
According to the insurance commissioner's page, drivers are considered uninsured if coverage lapses or is cancelled.
What people ask about Georgia non owner SR22 insurance
Is an SR-22 possible in Georgia if I have no car?
You can, although you may have to get one. The DDS page states that customers without a vehicle must purchase an SR-22A Non-Owner's policy following a second or later no-insurance conviction.
In Georgia, how long must I keep an SR-22A?
Keep it for three years starting at the conviction date, and make a full prepayment every six months in advance.
What is the cost of reinstatement in Georgia?
The DDS fee table shows $300 by mail or $310 in person for reinstatement after a second or later no-insurance suspension. Your insurer may charge its own filing fee.
Talk it over with a licensed agent
A licensed agent takes your call, goes through your situation for free, and gets the right policy quoted right away.
Call 833-958-5598