Do You Need Nonstandard Auto Insurance If You Have a DUI in Georgia?

A conviction for driving under the influence (DUI) in Georgia can significantly impact your auto insurance. Insurers classify DUI offenders as high-risk, leading to substantial premium increases and potential policy changes. This often necessitates nonstandard auto insurance designed for drivers with higher risk profiles.

Understanding Nonstandard Auto Insurance

Nonstandard auto insurance caters to drivers who don’t qualify for standard policies due to factors like multiple traffic violations, poor credit or DUI convictions. These policies typically come with higher premiums and may offer fewer benefits compared to standard insurance.

Why DUI Offenders Need Nonstandard Insurance

In Georgia, a DUI conviction can cause your insurer to drop or cancel your policy. If your insurance company decides to keep your policy, your rates will increase significantly. This reclassification into a higher-risk category makes nonstandard insurance a viable option.

SR-22 Filing Requirements

Georgia law mandates that drivers convicted of DUI file an SR-22 form. An SR-22 is not an insurance policy but a certificate of financial responsibility. It verifies that a driver carries the minimum required auto insurance coverage as mandated by the state. This form is tyipcally needed for drivers who commit major traffic offenses, such as DUIs, or who have been caught driving without insurance. The SR-22 verifies that the driver maintains continuous insurance coverage, which is crucial for high-risk drivers. If the insurance lapses, the insurer must notify the state, potentially leading to a suspension of the driver’s license.

Learn More

For nonstandard auto insurance guidance near you, contact Guardian Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.