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Arizona vs Georgia

Bottom line

Georgia requires more property-damage coverage than Arizona ($25,000 vs $15,000). Both require an SR-22 filing for certain violations. Arizona generally has lower license-reinstatement costs.

Official government sources Last verified June 2026 36 fields reviewed Source links on every value

Important differences between Arizona and Georgia

The differences drivers should know.

Property damage
Arizona$15,000
Georgia$25,000
Georgia requires more property-damage coverage.
UM/UIM requirement
ArizonaOptional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected…
GeorgiaUM/UIM must be offered at limits equal to the liability coverage (25/50/25); the insured may reject it…
Clock starts from
ArizonaFrom the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary…
GeorgiaFrom the conviction date (not the suspension or reinstatement date). A coverage lapse during the 3-year…
Non-owner SR-22
ArizonaYes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the…
GeorgiaYes — non-owner SR-22/SR-22A available. For a 2nd+ no-insurance suspension, a non-owner SR-22A is…
SR-22 filing fee
Arizona~$15-25 (charged by the insurer, not ADOT)
Georgia~$15-50 (charged by the insurer, not DDS)
License reinstatement
ArizonaScenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based…
GeorgiaScenario-dependent (DDS fee table, mail/online vs. in person): DUI 1st (21+) $200/$210; No Proof of…
Arizona costs less to reinstate.
Registration reinstatement
Arizona$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance…
GeorgiaPer the GA Dept. of Revenue lapse rules: a $25 lapse fine for any coverage lapse while the vehicle is…
No-insurance, first offense
ArizonaMinimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges…
GeorgiaMisdemeanor: $200-$1,000 fine and/or up to 12 months (§40-6-10). Reducible to a fine of $25 or less…
No-insurance, repeat offense
Arizona2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+…
GeorgiaSame $200-$1,000 criminal range (§40-6-10). A 2nd+ no-insurance conviction requires an SR-22A (or an…
DUI suspension
Arizona1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381…
Georgia§40-5-63 (5-year window): 1st = 12-month suspension, early reinstatement after 120 days with DUI Risk…
DUI fine range
ArizonaStandard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges),…
Georgia§40-6-391 (10-year window, by arrest date, post-2008): 1st misdemeanor $300-$1,000, 10 days-12 mo…
Driving while suspended
ArizonaDriving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1…
Georgia§40-5-121 (5-year window): 1st = misdemeanor, 2 days-12 months + $500-$1,000 (offender fingerprinted);…
CDL consequence
ArizonaPer §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321),…
GeorgiaGeorgia CDL disqualification (GA DDS Driver's Manual Section 1.3, federal FMCSA structure). 1-year…
View full comparison ↓

Recent law changes

Changes verified from official state sources.

Arizona2020-07-01 — minimum liability limits raised from 15/30/10 to 25/50/15 (ARS §28-4009, enacted by HB 2534, 2019).
Georgia2025 SB 121 (Act 287), effective May 14, 2025, created O.C.G.A. 33-7-16: enhanced minimum liability coverage for DUI-convicted drivers — 50/100/50…

Full comparison

Every compared field, with the official source on each value.

Coverage

Bodily injury / person same
Arizona
$25,000
Official source ↗
Georgia
$25,000
Official source ↗
Bodily injury / accident same
Arizona
$50,000
Official source ↗
Georgia
$50,000
Official source ↗
Property damage
Arizona
$15,000
Official source ↗
Georgia
$25,000
Official source ↗
UM/UIM requirement
Arizona
Optional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected in writing.
See Arizona sources ↗
Georgia
UM/UIM must be offered at limits equal to the liability coverage (25/50/25); the insured may reject it or select lower UM limits in writing (§33-7-11).
Official source ↗

SR-22 / FR-44

SR-22 required same
FR-44 required same
Filing duration same
Arizona
3 years
Official source ↗
Georgia
3 years
Official source ↗
Clock starts from
Arizona
From the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary and require contacting MVD.
Official source ↗
Georgia
From the conviction date (not the suspension or reinstatement date). A coverage lapse during the 3-year period restarts the clock from zero.
Official source ↗
Non-owner SR-22
Arizona
Yes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the requirement after a serious traffic offense.
Official source ↗
Georgia
Yes — non-owner SR-22/SR-22A available. For a 2nd+ no-insurance suspension, a non-owner SR-22A is mandatory even if the person does not own a vehicle.
Official source ↗

Costs

SR-22 filing fee
Arizona
~$15-25 (charged by the insurer, not ADOT)
See Arizona sources ↗
Georgia
~$15-50 (charged by the insurer, not DDS)
See Georgia sources ↗
License reinstatement
Arizona
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20…
Full details
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20 ages 40-44, $25 age 39 and under or any age with a Travel ID) + SR-22 + (for alcohol/drug cases) interlock and substance-abuse evaluation. Admin Per Se suspension: additional $50. Financial-responsibility (accident) suspension: $10 driver license + $25 registration/plate (§28-4144(C)(2)(b)).
Official source ↗
Georgia
Scenario-dependent (DDS fee table, mail/online vs. in person): DUI 1st (21+) $200/$210; No Proof of Insurance 1st $200/$210; No Proof of Insurance…
Full details
Scenario-dependent (DDS fee table, mail/online vs. in person): DUI 1st (21+) $200/$210; No Proof of Insurance 1st $200/$210; No Proof of Insurance 2nd+ $300/$310; Points 1st/2nd/3rd $200/$300/$400 by mail (+$10 in person); Super Speeder $50 (after the $200 Super Speeder fee); Child Support $25/$35; Failure to Appear $90/$100. Driving-while-suspended convictions carry their own ladder $210/$310/$410 (§40-5-121). Drug-DUI reinstatement $200/$310 (§40-5-75).
Official source ↗
Registration reinstatement
Arizona
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a…
Full details
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a $50 fee plus current proof of insurance where prior-coverage proof can't be produced.
Official source ↗
Georgia
Per the GA Dept. of Revenue lapse rules: a $25 lapse fine for any coverage lapse while the vehicle is actively registered, plus up to $160 additional…
Full details
Per the GA Dept. of Revenue lapse rules: a $25 lapse fine for any coverage lapse while the vehicle is actively registered, plus up to $160 additional if the $25 is not paid within 30 days. Registration is suspended/refused until all fines are paid and continuous Georgia liability coverage is on file (verified electronically via GEICS). Note: the widely-cited $60 standard registration-reinstatement fee ($160 after three or more suspensions in five years) appears on county tag-office pages, not on the state DOR lapse page, so it is not recorded here as an official figure.
Official source ↗

Penalties

No-insurance, first offense
Arizona
Minimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges (§28-4135(E)(1)).
Official source ↗
Georgia
Misdemeanor: $200-$1,000 fine and/or up to 12 months (§40-6-10). Reducible to a fine of $25 or less with no DDS report (no suspension) if the driver…
Full details
Misdemeanor: $200-$1,000 fine and/or up to 12 months (§40-6-10). Reducible to a fine of $25 or less with no DDS report (no suspension) if the driver shows coverage was in force at citation. A 1st no-insurance suspension requires an SR-22 and a $200/$210 reinstatement after a 90-day minimum suspension.
Official source ↗
No-insurance, repeat offense
Arizona
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year…
Full details
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year suspension of license, registration, and plates, with SR-22 required on reinstatement (§28-4135(E)(2)-(3)).
Official source ↗
Georgia
Same $200-$1,000 criminal range (§40-6-10). A 2nd+ no-insurance conviction requires an SR-22A (or an SR-22 marked 'Paid In Full') maintained for 3…
Full details
Same $200-$1,000 criminal range (§40-6-10). A 2nd+ no-insurance conviction requires an SR-22A (or an SR-22 marked 'Paid In Full') maintained for 3 years, with $300/$310 reinstatement, a non-owner SR-22A if no vehicle is owned, and no limited permit during the suspension.
Official source ↗
DUI suspension
Arizona
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd…
Full details
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd within 84 months (§28-1381 or §28-1382): driving privilege revoked at least 1 year; special ignition-interlock restricted license possible after 45 days. Aggravated DUI (§28-1383, felony): revocation with no new license issued for at least 1 year (per §28-1385 period for the child-passenger variant). All convictions carry mandatory ignition interlock (§28-3319).
Official source ↗
Georgia
§40-5-63 (5-year window): 1st = 12-month suspension, early reinstatement after 120 days with DUI Risk Reduction Program; 2nd within 5 yrs = 3-year…
Full details
§40-5-63 (5-year window): 1st = 12-month suspension, early reinstatement after 120 days with DUI Risk Reduction Program; 2nd within 5 yrs = 3-year suspension, eligible after 18 months, IID required for 1 year; 3rd within 5 yrs = habitual violator, 5-year revocation (§40-5-62/§40-5-58). Suspension begins on the conviction date.
Official source ↗
DUI fine range
Arizona
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with…
Full details
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with treatment); 2nd = ≥$500 + two $1,250 assessments, min 90 days jail. Extreme §28-1382: BAC 0.15-0.20 = ≥$250 + $250 abatement + two $1,000 assessments, min 30 days jail; super-extreme BAC ≥0.20 = ≥$500, min 45 days jail. Aggravated §28-1383 (felony): ≥$750 + $250 abatement + two $1,500 assessments, mandatory prison (4 or 8 months by priors).
Official source ↗
Georgia
§40-6-391 (10-year window, by arrest date, post-2008): 1st misdemeanor $300-$1,000, 10 days-12 mo (judge may probate all but 24 hrs if BAC ≥0.08);…
Full details
§40-6-391 (10-year window, by arrest date, post-2008): 1st misdemeanor $300-$1,000, 10 days-12 mo (judge may probate all but 24 hrs if BAC ≥0.08); 2nd misdemeanor $600-$1,000, 90 days-12 mo (min 72 hrs); 3rd high-and-aggravated misdemeanor $1,000-$5,000, 120 days-12 mo (min 15 days); 4th+ felony $1,000-$5,000, 1-5 years. Name-and-photo publication applies to a 2nd or subsequent conviction within 5 years. Commercial threshold 0.04; under-21 threshold 0.02; separate child-under-14 endangerment offense.
Official source ↗
Driving while suspended
Arizona
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1…
Full details
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1 misdemeanor ceilings are up to 6 months jail and up to a $2,500 fine plus surcharges (ARS §13-707 / §13-802).
Official source ↗
Georgia
§40-5-121 (5-year window): 1st = misdemeanor, 2 days-12 months + $500-$1,000 (offender fingerprinted); 2nd/3rd = high-and-aggravated misdemeanor, 10…
Full details
§40-5-121 (5-year window): 1st = misdemeanor, 2 days-12 months + $500-$1,000 (offender fingerprinted); 2nd/3rd = high-and-aggravated misdemeanor, 10 days-12 months + $1,000-$2,500; 4th+ = felony, 1-5 years + $2,500-$5,000. DDS adds a 6-month suspension on conviction (reinstatement $210/$310/$410); no limited permit. Driving as a declared habitual violator is a separate felony (§40-5-58), $750+ / 1-5 years.
Official source ↗

CDL

CDL consequence
Arizona
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC…
Full details
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC ≥0.04, leaving the scene, using a vehicle in a felony, causing a fatality by negligent operation, driving a CMV while already disqualified, OR a regular DUI committed in a personal (non-commercial) vehicle (chapter 4, article 3 violation). 3 years if the offense occurred while hauling placarded hazmat. Lifetime for two or more such offenses (reducible to 10 years by rule). Permanent for a controlled-substance trafficking felony or a human-trafficking offense committed with a CMV. Out-of-service-order violations: 180 days / 2 years / 3 years. Railroad-crossing violations: 60 / 120 days / 1 year. Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days. CDL alcohol threshold is 0.04. Disqualification begins 10 days after MVD logs the conviction.
Official source ↗
Georgia
Georgia CDL disqualification (GA DDS Driver's Manual Section 1.3, federal FMCSA structure). 1-year (first major offense, in a CMV OR a personal…
Full details
Georgia CDL disqualification (GA DDS Driver's Manual Section 1.3, federal FMCSA structure). 1-year (first major offense, in a CMV OR a personal vehicle): DUI (O.C.G.A. 40-6-391), CMV at 0.04+ BAC or under the influence, refusing chemical testing, leaving the scene, any felony using a vehicle, CMV-while-disqualified, vehicular homicide, racing, eluding, fraudulent license, operating on a suspended registration, or cargo theft. 3-year if the offense occurs while operating a CMV placarded for hazardous materials. lifetime for a 2nd major offense (any combination); lifetime if a CMV is used in a controlled-substance felony; permanent lifetime if a CMV is used in a human-trafficking felony. Serious traffic violations (15+ over, reckless, erratic lane change, following too closely, fatal-accident traffic offense, no/wrong-class CDL): 60 days (2nd in 3 yrs) / 120 days (3rd+). Out-of-service-order violations: 180 days / 2 yrs / 3 yrs. Railroad-crossing violations: 60/120 days / 1 yr. 24-hour out-of-service for any detectable alcohol under 0.04. Important for CDL holders: a DUI in a personal vehicle (an alcohol/controlled-substance/felony suspension) still costs the CDL for 1 year, a 2nd costs it for life (Section 1.3.7), and no hardship CDL is available.
Official source ↗