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California vs Georgia

Bottom line

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

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

Important differences between California and Georgia

The differences drivers should know.

Bodily injury / person
California$30,000
Georgia$25,000
California requires higher bodily-injury coverage.
Bodily injury / accident
California$60,000
Georgia$50,000
California requires higher bodily-injury coverage.
Property damage
California$15,000
Georgia$25,000
Georgia requires more property-damage coverage.
UM/UIM requirement
California30/60
GeorgiaUM/UIM must be offered at limits equal to the liability coverage (25/50/25); the insured may reject it…
Filing duration
California3 years of continuous SR-22 filing
Georgia3 years
Clock starts from
CaliforniaSuspension/reinstatement-based
GeorgiaFrom the conviction date (not the suspension or reinstatement date). A coverage lapse during the 3-year…
Non-owner SR-22
CaliforniaYes
GeorgiaYes — non-owner SR-22/SR-22A available. For a 2nd+ no-insurance suspension, a non-owner SR-22A is…
SR-22 filing fee
California~$15-25 (charged by the insurer, not the DMV)
Georgia~$15-50 (charged by the insurer, not DDS)
License reinstatement
California$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
GeorgiaScenario-dependent (DDS fee table, mail/online vs. in person): DUI 1st (21+) $200/$210; No Proof of…
California costs less to reinstate.
Registration reinstatement
California$14 (separate fee, for a no-insurance registration suspension)
GeorgiaPer the GA Dept. of Revenue lapse rules: a $25 lapse fine for any coverage lapse while the vehicle is…
California costs less to reinstate.
No-insurance, first offense
California$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh.…
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
California$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction…
GeorgiaSame $200-$1,000 criminal range (§40-6-10). A 2nd+ no-insurance conviction requires an SR-22A (or an…
DUI suspension
CaliforniaAPS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke.…
Georgia§40-5-63 (5-year window): 1st = 12-month suspension, early reinstatement after 120 days with DUI Risk…
DUI fine range
California$390-$1,000 (first offense, VC 23536)
Georgia§40-6-391 (10-year window, by arrest date, post-2008): 1st misdemeanor $300-$1,000, 10 days-12 mo…
Driving while suspended
CaliforniaMisdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000.…
Georgia§40-5-121 (5-year window): 1st = misdemeanor, 2 days-12 months + $500-$1,000 (offender fingerprinted);…
CDL consequence
CaliforniaMust downgrade to a Class C license to obtain a restricted license. If not operating a commercial…
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.

California2025-01-01 — minimums raised to 30/60/15 (SB 1107).
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
California
$30,000
Official source ↗
Georgia
$25,000
Official source ↗
Bodily injury / accident
California
$60,000
Official source ↗
Georgia
$50,000
Official source ↗
Property damage
California
$15,000
Official source ↗
Georgia
$25,000
Official source ↗
UM/UIM requirement
California
30/60
Official source ↗
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
California
3 years of continuous SR-22 filing
Official source ↗
Georgia
3 years
Official source ↗
Clock starts from
California
Suspension/reinstatement-based
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
California
Yes
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
California
~$15-25 (charged by the insurer, not the DMV)
See California sources ↗
Georgia
~$15-50 (charged by the insurer, not DDS)
See Georgia sources ↗
License reinstatement
California
$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
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
California
$14 (separate fee, for a no-insurance registration suspension)
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
California
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence…
Full details
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence of financial responsibility (16028(a)). The court may impound the vehicle and order coverage maintained for at least one year.
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
California
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same…
Full details
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same penalty-assessment multiplier as the first-offense fine; the court may also impound the vehicle.
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
California
APS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke. 30-day temp license after arrest.
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
California
$390-$1,000 (first offense, VC 23536)
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
California
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months…
Full details
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months + $300-$1,000. DUI-related: VC 14601.2.
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
California
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue…
Full details
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue fee applies after a 30-day suspension. A DUI in a commercial vehicle triggers a 1-year CDL disqualification under federal rules.
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 ↗