When you’re a driver in Georgia, having car insurance is required by law. But if you’re considered a high-risk driver by the state, you may also be required to file SR-22 insurance. Specializing in this requirement, BestRate Auto Insurance in Statesboro, GA, explains SR-22s don’t actually refer to car insurance itself. Instead, SR-22 is the name of the specific form some drivers have to file to prove they are maintaining the proper coverage.

5 Facts to Know About SR-22 Car Insurance in Georgia

1. SR-22 Insurance Is Required for High-Risk Drivers

There are a few different scenarios where you could be deemed a high-risk driver and required to file SR-22 insurance. Some common examples include being convicted of a DUI, getting in an accident without auto insurance, or reinstating a license after it was suspended for reckless driving.  

2. SR-22A Is Slightly Different From SR-22 Insurance

Georgia is one of the few states that has two types of this insurance requirement: standard SR-22 and SR-22A. While SR-22A follows the same processes as SR-22, it requires the policyholder to pay their coverage in full for a period of six months. It is reserved specifically for individuals who are considered repeat offenders.

3. Missing SR-22 Payments Can Create Problems

Missing an SR-22 payment can result in several different consequences that can complicate the circumstances of your driving status. When this happens, your insurer is required by law to report the failure to pay to the DMV. If it’s not rectified soon after, you could incur fines and penalties or even face license suspension.

4. Only Certain Insurance Companies Can Issue SR-22 Insurance

SR-22 car insurance cannot be obtained from just any insurance company. It must be obtained through an agency that is licensed to file these forms with the government.

5. SR-22 Insurance Doesn’t Always Have to Be Expensive

Although the SR-22 form will add to your standard auto insurance rates, it doesn’t always have to be expensive. The best way to cut costs and still meet your requirements is to compare rates from different insurance companies and work with those that can help you minimize your overall expenses.

If you’re looking for affordable SR-22 car insurance in Statesboro, GA, BestRate Auto Insurance can help you get the coverage you need and streamline the filing process. As a qualified SR-22 insurance company, they understand the specifics of this requirement and can help clients save, even if they have bad credit or poor driving records. To learn more or request a car insurance quote, call an agent today at (912) 489-5942.