Georgia DUI & License Suspension Insurance Guide
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversGeorgia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
64
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
After a DUI or major violation in Georgia, most insurers will not cancel your policy immediately — they will non-renew it at your next renewal date, giving you 30-90 days to find replacement coverage. For drivers 65 and older, this transition period is critical: non-standard carriers evaluate senior drivers differently, and some specialize in mature driver profiles even with violations. Georgia typically requires SR-22 filing for DUIs, multiple violations, and license suspensions — a certificate proving you maintain continuous coverage at state-required minimums.
SR-22 Certificate Filing
Liability Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in Georgia
$199–$218/mo
Typical monthly rate in Georgia, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Time since violation — rates begin declining gradually after year 3, with most drivers eligible for standard market coverage by year 5-7
- Age and driving experience — non-standard carriers in Georgia vary widely in how they rate drivers 65+; some offer mature driver discounts even with violations, while others add age-based surcharges
- Vehicle safety features — senior drivers with newer vehicles equipped with automatic emergency braking, blind-spot monitoring, and lane departure warning may qualify for safety discounts that partially offset violation surcharges
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
At least 10% off by law
O.C.G.A. 33-9-42 (not less than 10%; GA code LexisNexis-published, GA DDS-confirmed)
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage for drivers with DUIs, violations, or suspensions who cannot qualify for standard market insurance. Requires specialized non-standard carriers.
Non-Standard Auto Insurance
Insurance sold by carriers that specialize in drivers with impaired records. Higher premiums but designed for violation aftermath situations.
SR-22 Insurance
Not a separate policy — SR-22 is a certificate your carrier files with Georgia proving continuous coverage. Requires a non-standard carrier that offers filing services.
Liability Insurance
Covers injuries and property damage you cause to others. The foundation of any SR-22 policy and the only coverage legally required in Georgia.
Uninsured Motorist Coverage
Protects you if you are hit by a driver without insurance. Especially valuable for senior drivers who may face longer recovery periods after accidents.
Medical Payments Coverage
Pays medical expenses for you and your passengers after an accident, regardless of fault. Works alongside Medicare for drivers 65+.