Georgia Suspends for 60 Days After Uninsured Driving
Georgia suspended your license for 60 days because you drove without insurance or let a policy lapse while a vehicle was registered in your name. You no longer own a car, but the Department of Driver Services still demands proof of insurance before it will reinstate your license. A non-owner policy is the only way to satisfy that requirement when you have no vehicle to insure.
The reinstatement fee is $200. If this is your second or subsequent no-insurance conviction, Georgia also requires you to file an SR-22A certificate for 3 years. A non-owner SR-22A policy delivers both: liability coverage that meets Georgia's $25,000 per person, $50,000 per accident, $25,000 property damage minimum, and the certificate the state files with DDS on your behalf.
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteGeorgia Liability Minimum
$25k/$50k/$25k
A non-owner policy in Georgia must carry at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. This is the legal floor; the policy is liability-only and never includes collision or comprehensive because you own no vehicle.
Georgia Department of Driver Services
A Non-Owner Policy Is Liability-Only and Secondary
A non-owner policy covers bodily injury and property damage you cause while driving a car you do not own. It is secondary coverage: if the car you are driving already has insurance, that policy pays first. Your non-owner policy fills the gap when the car's coverage is insufficient or when you drive a car with no coverage at all.
It never covers physical damage to the car you are driving. Collision and comprehensive coverage require an owned vehicle listed on the policy. If you borrow a household member's car regularly, the car owner's policy is primary and your non-owner policy sits behind it. If you rent a car, the rental company's liability coverage applies first; your non-owner policy is excess.
The policy also never includes personal injury protection tied to an owned vehicle. Georgia does not require PIP, so a non-owner policy in Georgia carries only liability and uninsured motorist coverage.
Georgia's SR-22A filing for a second lapse conviction requires a non-owner policy that files the certificate and maintains it for 3 years without a gap.
Which Carriers Write Non-Owner SR-22A in Georgia
Acceptance Insurance, Bristol West, Dairyland, Direct Auto, GAINSCO, and The General write non-owner policies, file SR-22A certificates, and accept drivers with recent lapses. Progressive and Geico write non-owner policies and file SR-22 (which Georgia accepts for most high-risk filings), but their underwriting guidelines for post-lapse applicants vary by underwriting tier. Farmers and Kemper write non-owner policies but may not accept all post-lapse applicants depending on the violation history.
Travelers writes non-owner policies in Georgia but does not file SR-22 or SR-22A certificates. If your violation requires an SR-22A filing, Travelers cannot satisfy the requirement. Allstate, American Family, and State Farm write standard auto policies in Georgia but do not write non-owner coverage. Do not quote them for a non-owner policy.
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The SR-22A Filing Period Starts When the Certificate Is Filed
Georgia requires SR-22A filing for 3 years after a second or subsequent no-insurance conviction. The 3-year period starts the day the carrier files the certificate with DDS, not the day you buy the policy. If you let the policy lapse at any point during those 3 years, the carrier notifies DDS within 10 days and the state suspends your license again. The 3-year clock resets from the date you file a new certificate.
The carrier charges a one-time filing fee to submit the SR-22A certificate to DDS. The fee is set by the carrier and typically ranges from $15 to $50. Georgia does not charge a separate state filing fee for the SR-22A itself, but the $200 reinstatement fee applies when you restore your license after the 60-day suspension.
If you move to another state during the 3-year filing period, Georgia's SR-22A requirement follows you. You must notify your carrier of the address change and confirm that the new state accepts Georgia's SR-22A filing. Most states honor out-of-state filings, but a few require you to refile under their own certificate system.
Georgia SR-22A Filing Period
3 years
Georgia requires SR-22A filing for 3 years after a second or subsequent no-insurance conviction. A lapse during those 3 years resets the clock and triggers a new suspension.
Georgia Department of Driver Services
Buy the Policy Before You Apply for Reinstatement
DDS will not reinstate your license until you pay the $200 reinstatement fee and the carrier files the SR-22A certificate. You can buy a non-owner policy while your license is suspended. The policy is legal to purchase during suspension; you simply cannot drive until DDS reinstates your license.
The carrier files the SR-22A certificate electronically with DDS within 24 to 48 hours of policy purchase. DDS processes the filing and updates your record. You then pay the $200 reinstatement fee at a DDS Customer Service Center or online through the DDS website. Once the fee is paid and the filing is on record, DDS lifts the suspension and you can drive again.
Compare Carriers That Write Your Situation
Not every carrier writes non-owner policies for post-lapse applicants, and not every carrier that writes non-owner policies files SR-22A certificates in Georgia. The six carriers named above are the verified pool. Quote all six to find the lowest premium that meets Georgia's liability minimum and files the certificate DDS requires. Choosing a carrier that does not file SR-22A means restarting the entire process with a new policy and a new filing, which delays reinstatement and extends the time you cannot drive.