Obtaining SR22 Insurance

Top 3 Affordable SR22 Insurance Options in Georgia

by Georgia

If you're looking for affordable SR-22 insurance options in Georgia, you've got a few solid choices. Companies like Mercury, Auto-Owners, and Country Financial offer different benefits tailored to various needs. Whether you want competitive full coverage rates or budget-friendly non-owner options, each has something to offer. However, understanding which one best suits your situation can be essential—let's explore how these options stack up against each other.

Key Takeaways

  • Mercury Insurance offers competitive SR-22 coverage in Georgia with an average full coverage rate of about $1,411.
  • Auto-Owners provides budget-friendly non-owner SR-22 coverage with monthly premiums around $31, significantly lower than the state average.
  • Country Financial does not offer SR-22 options, making it unsuitable for high-risk drivers needing this coverage.
  • Shopping around is essential to find the best SR-22 rates based on individual driving history and coverage needs.
  • Consider factors like the severity of violations and age when comparing SR-22 insurance options in Georgia.

COUNTRY Financial: The Most Affordable Option

affordable insurance choice available

When considering affordable insurance options in Georgia, it's important to mention that Country Financial, while offering competitive rates for standard coverage, doesn't provide SR-22 filings. This means if you need to file an SR-22 due to a DUI or serious offense, you'll have to look elsewhere. Country Financial excels in providing standard coverages like liability, collision, and extensive insurance, with annual full-coverage rates averaging $1,600, which is 19% lower than the national average. However, the absence of SR-22 insurance can be a significant drawback for some drivers. If you require SR-22 filings, consider other companies, as Country Financial's offerings won't meet your needs in this specific area. Additionally, SR-22 is necessary for high-risk drivers due to violations like DUI or multiple traffic offenses. In Georgia, SR-22 insurance is specifically designed to assist those who have had their driving privileges revoked or suspended.

Mercury: Competitive Rates for SR-22 Insurance

For those needing SR-22 insurance in Georgia, Mercury stands out as a competitive option. Their average annual rate for full coverage is about $1,411, while liability-only coverage hovers around $1,000.

Although Mercury's rates are generally higher than some alternatives like Auto-Owners and State Farm, they remain competitive compared to providers like GEICO and Progressive.

Factors influencing your rate include the severity of your driving violations, your age, and the coverage level you choose. It's important to shop around and compare quotes to guarantee you're getting the best deal possible.

Auto-Owners: Budget-Friendly Non-Owner SR-22 Coverage

Auto-Owners is a standout choice for drivers in Georgia seeking budget-friendly non-owner SR-22 coverage.

With monthly premiums around $31, you'll find their rates markedly lower than the state average of $60. This policy fulfills Georgia's minimum liability requirements, making it ideal for those who frequently borrow or rent vehicles.

  • Cost-Effective: Save money with the cheapest non-owner SR-22 option in Georgia.
  • Comprehensive Coverage: Enjoy liability coverage that meets state mandates without breaking the bank.
  • Convenient Filing: Auto-Owners handles SR-22 filings with the DMV for you.

Choosing Auto-Owners not only keeps your costs down but also guarantees compliance with state regulations, making it a smart choice for high-risk drivers.

Conclusion

When it comes to finding affordable SR-22 insurance in Georgia, Mercury, Auto-Owners, and Country Financial each have their strengths. Mercury offers competitive full coverage rates, while Auto-Owners shines with its budget-friendly non-owner options. Although Country Financial provides solid standard coverage, it falls short for high-risk drivers needing SR-22 options. In the world of insurance, choosing the right provider can be the difference between driving with peace of mind and maneuvering a stormy road.