How to Get Non-Owner SR22 Insurance in Georgia

In Georgia, drivers may need to file an SR22 form with the DMV to reinstate a suspended license or prove financial responsibility. An SR22 provides proof of liability insurance. Non-owners can also get SR22 coverage in Georgia through a non-owner car insurance policy.

This guide explains everything you need to know about getting non-owner SR22 insurance in GA, including:

• What is non-owner SR22 insurance?
• Who needs to file an SR22 in Georgia?
• Cost of non-owner SR22 insurance
• Minimum requirements
• How to get a non-owner SR22 policy
• Maintaining your SR22
• SR22 insurance providers in GA
• Non-owner car insurance alternatives
• Other SR22 filing rules in GA

Follow the steps below to learn how Georgia drivers can secure affordable non-owner SR22 coverage.

What Is Non-Owner SR22 Car Insurance?

An SR22 is not a type of insurance, but rather a form that proves you have the minimum liability coverage required by Georgia law. SR22 filings are required for high-risk drivers.

Non-owner SR22 insurance provides liability protection for drivers who don’t own a car, but need to file an SR22 in Georgia. It gives the state proof of coverage.

With non-owner SR22 insurance, your insurer files the SR22 form with the Georgia DMV on your behalf. This satisfies the SR22 requirement and reinstates your license.

Who Needs Non-Owner SR22 Insurance in Georgia?

In Georgia, drivers may be required to file an SR22 certificate if:

• License was suspended for an offense like DUI
• You had no liability insurance during an accident
• Accumulated too many points on your license
• Been convicted of frequent traffic violations

Even if you don’t own a car, you can still be required to file an SR22 in Georgia. In this case, a non-owner SR22 policy provides the necessary proof of insurance.

Check with the Georgia DDS to see if you need to file an SR22 to reinstate your license. Non-owner SR22 insurance provides a way to comply.

Cost of Non-Owner SR22 Insurance in Georgia

The cost of a non-owner SR22 insurance policy in Georgia starts around $400 per year. However, rates vary considerably based on your:

• Age and driving record
• City/county in Georgia

In addition, you’ll pay a one-time $15 to $25 SR22 filing fee when you first purchase the policy.

On average, expect to pay $450 to $550 annually for non-owner SR22 coverage in Georgia. It’s more expensive than standard non-owner policies.

Georgia Minimum Non-Owner SR22 Requirements

To satisfy the SR22 requirement with a non-owner policy in Georgia, your insurance must meet the state’s minimum liability coverage amounts:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage liability

Make sure any non-owner SR22 policy you purchase includes at least these minimum liability limits. Otherwise, it won’t be valid as proof of insurance.

How to Get Non-Owner SR22 Insurance in Georgia

Follow these key steps to secure a valid non-owner SR22 policy in Georgia:

1. Shop for quotes – Compare quotes from at least 3 insurance providers. Look for those offering SR22 filings.

2. Choose a policy – Pick a policy that includes the GA minimum liability limits or higher. Select any extra coverage you may want.

3. Request SR22 – Ask the insurer to file Form SR22 with the Georgia DDS on your behalf. Pay SR22 fee.

4. Provide proof – Send your SR22 proof of insurance to the DDS. This will reinstate your license.

5. Make payments – Keep paying your premiums on time to maintain SR22 coverage.

6. Check SR22 status – Verify your SR22 filing is active with the DDS. Contact insurer if issues.

Purchasing a valid policy and properly filing the SR22 form will satisfy your insurance obligation with the Georgia DDS.

Maintaining Your Georgia SR22 Insurance

Once filed, your Georgia SR22 form will remain valid for 3 years. During this time, you must:

• Continuously maintain your insurance policy
• Pay premiums on time each month
• Don’t let your policy lapse or cancel
• Verify SR22 is current with the DDS

If your SR22 coverage lapses, the DMV will suspend your license again. You’ll have to re-file and pay the fee again.

Carefully maintain your non-owner SR22 insurance for the full 3 years required in Georgia.

Where To Get Non-Owner SR22 Insurance in Georgia

Many insurance companies offer non-owner SR22 policies in Georgia. Comparison shopping is key to finding affordable rates.

Some top insurers to consider for non-owner SR22 insurance include:

• Geico
• Progressive
• State Farm
• Allstate
• Nationwide
• Direct Auto
• Farm Bureau Insurance

You can also consider smaller, local carriers. Partnering with an independent insurance agent can help find the right non-owner SR22 policy.

Be sure to compare rates since pricing can vary significantly by insurer.

Alternatives to Non-Owner SR22 Insurance

If you don’t drive often, there are a couple alternatives to a costly non-owner SR22 policy:

• Pay-per-mile insurance: Only pay for the actual miles driven if minimal usage. However, SR22 filing still required.

• Borrowed car coverage: Purchase a daily policy when borrowing someone’s car for infrequent driving. Doesn’t satisfy SR22 requirement though.

• Public transportation: Avoid driving altogether by using transit, ridesharing, taxis, etc. However, an SR22 is still required.

For drivers with an SR22 requirement, non-owner insurance is usually the best option. Maintaining continuous coverage through an insurer is mandatory.

Other Non-Owner SR22 Rules in Georgia

Here are some other key rules for non-owner SR22 insurance in GA:

• SR22 must be maintained for 3 years total before it can be cancelled.

• Gap in coverage will result in license suspension and fees to re-file SR22.

• SR22 coverage can’t be backdated. Insurance must be active when filing form.

• SR22 filing is required for each person individually, not per policy.

• Lapses in SR22 coverage are reported to the DDS electronically.

Understanding all the SR22 regulations in Georgia ensures you meet the requirements and avoid additional penalties.

Is Non-Owner SR22 Insurance Required in Georgia?

Non-owner SR22 insurance is only required if you are notified by the Georgia DDS that you must file an SR22 form to reinstate your license.

You’ll receive an official notice if you need to obtain SR22 coverage. Otherwise, it is not required if you don’t own a car.

Check with the DDS if you’re unsure if you need to file an SR22 certificate. Purchasing the required coverage will satisfy the mandate and allow you to drive legally.

The Bottom Line

Drivers in Georgia required to file an SR22 can obtain non-owner SR22 insurance. This specialized policy provides liability protection along with filing the SR22 form to reinstate a suspended license.

Maintaining continuous non-owner insurance and properly submitting SR22 proof to the DDS allows you to meet Georgia’s insurance requirements, even if you don’t own a car.

Following the steps above makes getting compliant non-owner SR22 coverage quick and painless so you can get back on the road.