SR-22 Insurance vs. FR-44 Insurance in Georgia

July 19, 2023 - Posted by: jreid - In category: GA SR22, Insurance Atlanta Georgia, Non Owner, Non Owner GA, Non Owners Insurance, Non Owners Insurance (SR22) - No responses

SR-22 and FR-44 insurance are both forms that must be filed with the Georgia Department of Driver Services (DDS) by drivers who have been convicted of certain driving offenses. However, there are some key differences between the two types of insurance.

SR-22 insurance is a form that proves to the DDS that the driver has met the state’s minimum liability insurance requirements. This type of insurance is typically required for drivers who have been convicted of DUI, driving without insurance, or reckless driving.
FR-44 insurance is a form that proves to the DDS that the driver has met the state’s minimum liability insurance requirements and has also agreed to undergo a periodic review of their driving record. This type of insurance is typically required for drivers who have been convicted of DUI multiple times or who have been involved in a fatal accident.

The main difference between SR-22 and FR-44 insurance is the level of insurance coverage that is required. SR-22 insurance only requires drivers to carry the state’s minimum liability insurance limits. FR-44 insurance, on the other hand, requires drivers to carry twice the state’s minimum liability insurance limits.

Another difference between SR-22 and FR-44 insurance is the length of time that the driver is required to carry the insurance. SR-22 insurance is typically required for one year. FR-44 insurance, on the other hand, can be required for up to three years.

The cost of SR-22 and FR-44 insurance also varies. SR-22 insurance is typically more expensive than regular car insurance. FR-44 insurance is even more expensive than SR-22 insurance.

If you have been convicted of a driving offense in Georgia, you may be required to file an SR-22 or FR-44 form with the DDS. The type of form that you will need to file depends on the severity of your offense. If you are unsure which type of form you need to file, you should contact your insurance company or the DDS.

I hope this article has been helpful. If you have any further questions about SR-22 or FR-44 insurance in Georgia, please contact your insurance company or the DDS.