Limited Driving Permit
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Limited Driving Permit Insurance — Georgia

Georgia requires 25/50/25 minimum liability coverage with SR-22 filing for Limited Driving Permit holders — typically $140–$220/month post-DUI. LDP application processing takes 3-5 business days for first offenders, hearing required for repeat violations or aggravating factors.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in Georgia

Georgia operates under a traditional tort system, meaning the at-fault driver's liability coverage pays for injuries and damage. All drivers must carry proof of insurance, and Limited Driving Permit holders must maintain continuous SR-22 certification filed by their carrier with the Georgia Department of Driver Services for 3 years post-violation. Georgia's LDP program permits driving for work, education, medical appointments, and court-ordered obligations during suspension — but only with SR-22-backed coverage in force from the moment the permit is issued.

Georgia cityscape and street view
$25,000/$50,000/$25,000
Liability Insurance
Covers injuries and property damage you cause to others. Georgia's 25/50/25 minimum means $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. For LDP holders, this coverage must be paired with SR-22 filing — your carrier electronically notifies Georgia DDS when the policy is issued, and when it lapses. A single day without coverage triggers automatic LDP suspension and reinstatement fees.
Certificate of Financial Responsibility
SR-22 Filing
SR-22 is not insurance — it is a certificate your insurer files with Georgia DDS proving you carry at least the state minimum liability coverage. Georgia requires SR-22 for 3 years following DUI, reckless driving, driving under suspension, or accumulating excessive points. If your policy cancels or lapses, the carrier notifies DDS within 24 hours and your LDP is immediately suspended. Filing fee is typically $25-$50, but premium impact is substantial — expect rates 50-150% higher than standard policies.
Meets state minimums
Non-Owner SR-22
If you don't own a vehicle but need an LDP to drive an employer's vehicle or borrowed cars, non-owner SR-22 satisfies Georgia's filing requirement. Costs $30–$70/month plus SR-22 filing fee. Georgia DDS accepts non-owner SR-22 for LDP issuance as long as the policy remains active and continuous. This option does not cover a vehicle you own or regularly use — it covers your liability when driving someone else's car.
Must be offered; rejection in writing
Uninsured Motorist Coverage
Georgia law requires carriers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy. You can reject it, but rejection must be in writing on the state-approved form at policy inception — verbal rejection doesn't count. For LDP holders, rejecting UM coverage is risky: approximately 1 in 7 Georgia drivers is uninsured, and if one hits you during your restricted driving window, you have no coverage for your own injuries unless you accept UM.
Endorsement required if IID installed
Ignition Interlock Device Insurance
Georgia DUI offenders typically must install an ignition interlock device for 12 months as a condition of LDP issuance. Your SR-22 policy must include an IID endorsement confirming the device is installed and monitored. Installation costs $75-$150, monthly monitoring $60-$90. If the IID reports violations (failed breath tests, tamper attempts), your carrier may cancel the policy, which triggers immediate SR-22 lapse and LDP suspension.
State-Mandated Minimum Coverage · Georgia

Georgia Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$200

Meeting the state minimum keeps you legal. See whether it's enough — get your Georgia quote.

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How Much Does Car Insurance Cost in Georgia?

Georgia LDP insurance costs reflect both the SR-22 filing requirement and the underlying violation. First-offense DUI drivers typically see premiums double or triple compared to standard rates. Carriers willing to write SR-22 policies in Georgia include The General, Direct Auto, Acceptance, and Progressive — but not all write LDP holders immediately post-violation.

What Affects Your Rate

  • DUI conviction increases Georgia premiums by 80-150% on average — first-offense DUI drivers face the lower end, repeat offenders or accidents involving injury face the higher end.
  • Atlanta metro drivers pay $30-$50/month more than rural Georgia LDP holders due to higher accident frequency and uninsured motorist rates in Fulton and DeKalb counties.
  • Age compounds SR-22 cost — drivers under 25 with SR-22 requirements in Georgia average $280-$350/month even at minimum coverage due to combined high-risk classification.
  • Ignition interlock violations reported to your carrier during monitoring can trigger mid-term cancellation, forcing you into assigned risk pools where premiums exceed $400/month.
  • Clean driving during the SR-22 period reduces premiums — completing 12 months without violations or lapses qualifies you for step-down rates with some carriers, dropping monthly costs 15-25%.
  • Credit score affects SR-22 pricing in Georgia — carriers use credit-based insurance scores, and DUI offenders with poor credit pay 40-60% more than those with good credit at identical coverage levels.
Minimum Coverage
$140–$180/mo
Georgia's 25/50/25 liability minimum plus SR-22 filing. This meets LDP requirements but leaves you financially exposed in any at-fault accident involving serious injury or totaled vehicles.
Standard Coverage
$180–$240/mo
50/100/50 liability limits plus uninsured motorist and SR-22. Covers most accident scenarios without out-of-pocket liability. Recommended for LDP holders who drive daily for work.
Full Coverage
$240–$320/mo
100/300/100 liability, UM, comprehensive, collision, and SR-22. Required if you finance a vehicle. Provides maximum protection during the 3-year SR-22 period when you cannot afford another violation or lapse.

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving continuous liability coverage to Georgia DDS. Required for 3 years post-DUI or suspension.

Non-Owner SR-22

Liability-only policy for drivers who don't own a vehicle but need SR-22 certification to maintain LDP status.

Uninsured Motorist Coverage

Covers your injuries when hit by a driver with no insurance or insufficient coverage to pay your medical bills.

Ignition Interlock Insurance Endorsement

Policy endorsement required when ignition interlock device is installed as condition of LDP issuance in Georgia DUI cases.

Comprehensive and Collision

Physical damage coverage for your own vehicle — comprehensive covers theft, weather, vandalism; collision covers accident damage regardless of fault.

Find Your City in Georgia

Atlanta, Georgia cityscape and street view

Atlanta

urban
Columbus, Georgia cityscape and street view

Columbus

urban
Augusta, Georgia cityscape and street view

Augusta

urban

Macon

urban
Historic paddle wheel steamboat docked at waterfront with city skyline and domed building at sunset

Savannah

urban
Orthodox monastery with white stone walls, twin bell towers, arched colonnade and red tile roof under blue sky

Athens

suburban
Illuminated evening walkway with railings and gardens, historic buildings and church dome in background

Sandy Springs

suburban
Bright green tree leaves with serrated edges against blue sky on sunny day

Roswell

suburban
Peaceful autumn stream flowing through forest with colorful fall foliage and overcast sky reflection

Johns Creek

suburban
Sunlight filtering through green forest canopy with tall trees creating a peaceful woodland scene

Warner Robins

suburban
Aerial view of suburban town at sunset with buildings, parking lots, and tree-lined streets in golden light

Albany

urban
White Orthodox monastery with twin bell towers, red tile roof, and arched colonnade under blue sky

Alpharetta

suburban

Frequently Asked Questions

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