A DUI conviction can have long-term financial and legal consequences—and one of the most immediate effects is on your car insurance. In Georgia, a DUI conviction almost always leads to significantly higher insurance premiums, and in some cases, your policy may even be canceled or non-renewed. Understanding how a DUI impacts your driving record and insurance can help you prepare and plan for what comes next.

How a DUI Impacts Insurance in Georgia

When you’re convicted of a DUI in Georgia, the offense remains on your driving record for at least 10 years. Insurance companies review your record when setting rates, and a DUI is considered a major violation. This means insurers view you as a high-risk driver, which can cause your premiums to increase by 50% to 100% or more.

Additionally, some insurers may refuse to renew your policy after a DUI conviction. In such cases, you might have to find a new insurance provider that offers “high-risk” coverage, which often comes with even higher costs.

The SR-22 Requirement

Georgia may also require you to file an SR-22 form, a certificate proving you have the minimum required insurance coverage. This is not a type of insurance but rather a form your insurer files with the state on your behalf. The SR-22 requirement typically lasts three years, and failure to maintain it can lead to license suspension.

Can You Lower Your Rates Over Time?

While your premiums will spike after a DUI, there are steps you can take to gradually reduce them. Completing a state-approved DUI education program, maintaining a clean driving record, and shopping around for new insurance quotes every few years can help you regain more affordable coverage over time.

Protecting Your Future

A DUI conviction affects more than just your immediate finances—it can impact your driving privileges and long-term record. Legal representation can help you challenge charges, minimize penalties, and protect your ability to drive and maintain reasonable insurance rates.

At Law Offices Of Thomas J. Thomas, we provide legal assistance to the Atlanta public facing DUI charges and related consequences. Our team can help you understand your rights, explore your defense options, and work toward minimizing the lasting impact of a DUI conviction.