Georgia Car Insurance After Points Suspension
Georgia requires 25/50/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteGeorgia 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
$200
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Georgia
Georgia operates under a tort liability system. The state requires continuous proof of insurance, enforced through the Georgia Electronic Insurance Compliance System. Drivers accumulating 15 or more points within 24 months face automatic license suspension, and reinstatement requires submitting proof of insurance to the Georgia Department of Driver Services before the license is restored.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Georgia
$316–$423/mo
Typical monthly rate in Georgia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Point total and recency: 10 points from offenses in the past 6 months price higher than 10 points spread across 18 months, even at the same cumulative total.
- Age and driving tenure: Drivers under 25 with point suspensions face the highest increases, often doubling base rates, while drivers over 30 with otherwise clean records see smaller impacts.
- Defensive driving completion: Georgia allows point reduction through a defensive driving course, removing up to 7 points once every 5 years. Completing the course before shopping for insurance improves rate offers.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Limited Driving Permit
application fee $32.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Georgia?
Georgia suspends your license at 15 points accumulated within any 24-month period. Points are assigned based on offense severity: speeding 15-18 over adds 2 points, speeding 19-23 over adds 3 points, speeding 24+ or reckless driving adds 4 points. The suspension takes effect automatically once you cross the threshold.
Can you reduce points on your Georgia license before suspension?
Georgia allows one defensive driving course every 5 years to reduce up to 7 points from your record. The course must be completed before the suspension takes effect; completing it after suspension does not reverse the action. The reduction applies immediately upon course completion and submission to the Department of Driver Services.
Does Georgia require SR-22 filing after a points suspension?
Georgia does not require SR-22 specifically for crossing the 15-point threshold. However, if one of the underlying offenses was reckless driving, racing, DUI, or driving uninsured, SR-22 filing is required separately for that offense for 3 years. Points suspension alone does not trigger SR-22.
Coverage Types
High-Risk Auto Insurance
Coverage for drivers with multiple moving violations, at-fault accidents, or point suspensions. Priced higher than standard policies but available from both standard and non-standard carriers.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk profiles. Often the only option for drivers with suspended licenses, multiple accidents, or point totals near the state threshold.
SR-22 Insurance
Proof-of-insurance filing required after certain violations. Not a separate policy but a rider attached to liability coverage, filed by your carrier with the Georgia Department of Driver Services.
Liability Insurance
Covers injuries and property damage you cause to others. Required at 25/50/25 minimums in Georgia, but multi-violation drivers benefit from higher limits to protect personal assets.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance. Must be offered at policy inception in Georgia; rejection requires a signed waiver.