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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…
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
Bodily injury / accident
Property damage
UM/UIM requirement
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
Clock starts from
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
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
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…
Official source ↗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).
Registration reinstatement
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…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.
DUI fine range
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);…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.