In Georgia, driving without insurance is a misdemeanor, and the penalties increase if it’s not your first time.

For a first offense, you’re generally looking at a fine between $200 and $1,000, plus court costs. The statute allows for up to 12 months in jail — but generally much less, especially if there are no aggravating facts. Most first offenses resolve with a fine and probation rather than actual jail time. Administratively, your vehicle registration will be suspended (often around 60 days), and you’ll have to pay reinstatement fees and show proof of current insurance before you can legally drive that vehicle again.

For a second offense within five years, the exposure increases. The fine range is similar, but courts are typically less forgiving. Jail time is still authorized up to 12 months (again, usually much less in practice), but probation terms may be stricter. Both your registration and driver’s license may be suspended, often for around 90 days. Reinstatement requires payment of all fines and fees and proof of insurance, and you may be required to file an SR-22 (certificate of financial responsibility), which usually increases insurance premiums for several years.

For a third or subsequent offense within five years, the court can impose harsher conditions. The fine range remains up to $1,000, but judges are more likely to consider active jail time within that “up to 12 months” window. License and registration suspensions can extend to six months or longer. An SR-22 requirement is very likely, and reinstatement becomes more expensive and time-consuming.

Separate from court penalties, Georgia also imposes administrative lapse fees if your coverage was cancelled before the stop — typically a $25 lapse fee, and if not addressed promptly, additional penalties up to about $160. The Georgia Department of Driver Services handles license suspensions and reinstatements, and insurance compliance is tracked electronically, so lapses are usually detected quickly.

One practical note: if someone actually had valid insurance at the time of the stop but simply couldn’t provide proof, bringing proof to court can often reduce the charge to a small fine and avoid suspension. But if there truly was no coverage in place, Georgia treats repeat uninsured driving progressively more seriously.

If you’re pulled over and cited for not having insurance, call our office today and speak with one of our experienced attorneys at (404)581-0999.