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Georgia vs Ohio
Bottom line
Both require an SR-22 for certain violations, though Georgia files for 3 years versus Ohio's 1. Ohio generally has lower license-reinstatement costs.
✓ Official government sources
✓ Last verified June 2026
✓ 36 fields reviewed
✓ Source links on every value
Important differences between Georgia and Ohio
The differences drivers should know.
UM/UIM requirement
GeorgiaUM/UIM must be offered at limits equal to the liability coverage (25/50/25); the insured may reject it…
OhioOptional — not part of the required minimum (insurers must offer; driver may reject in writing).
Filing duration
Georgia3 years
OhioScenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court…
→ Georgia requires a longer SR-22 filing (3 vs 1 years).
Clock starts from
GeorgiaFrom the conviction date (not the suspension or reinstatement date). A coverage lapse during the 3-year…
OhioFRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs…
Non-owner SR-22
GeorgiaYes — non-owner SR-22/SR-22A available. For a 2nd+ no-insurance suspension, a non-owner SR-22A is…
OhioYes (owner and non-owner FR filings/bonds available).
SR-22 filing fee
Georgia~$15-50 (charged by the insurer, not DDS)
Ohio~$15-25 (charged by the insurer, not the BMV)
License reinstatement
GeorgiaScenario-dependent (DDS fee table, mail/online vs. in person): DUI 1st (21+) $200/$210; No Proof of…
OhioScenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101.…
→ Ohio costs less to reinstate.
Registration reinstatement
GeorgiaPer the GA Dept. of Revenue lapse rules: a $25 lapse fine for any coverage lapse while the vehicle is…
OhioThe FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate…
→ Georgia costs less to reinstate.
No-insurance, first offense
GeorgiaMisdemeanor: $200-$1,000 fine and/or up to 12 months (§40-6-10). Reducible to a fine of $25 or less…
OhioAdministrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st…
No-insurance, repeat offense
GeorgiaSame $200-$1,000 criminal range (§40-6-10). A 2nd+ no-insurance conviction requires an SR-22A (or an…
OhioLicense lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+).…
DUI suspension
Georgia§40-5-63 (5-year window): 1st = 12-month suspension, early reinstatement after 120 days with DUI Risk…
OhioOVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd =…
DUI fine range
Georgia§40-6-391 (10-year window, by arrest date, post-2008): 1st misdemeanor $300-$1,000, 10 days-12 mo…
OhioOVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4…
Driving while suspended
Georgia§40-5-121 (5-year window): 1st = misdemeanor, 2 days-12 months + $500-$1,000 (offender fingerprinted);…
OhioDriving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle…
CDL consequence
GeorgiaGeorgia CDL disqualification (GA DDS Driver's Manual Section 1.3, federal FMCSA structure). 1-year…
OhioAn OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test)…
Recent law changes
Changes verified from official state sources.
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…
Ohio2025-04-09 — OVI statute §4511.19 amended (SB 100 / HB 37, GA 135).
Full comparison
Every compared field, with the official source on each value.
Coverage
Bodily injury / person same
Bodily injury / accident same
Property damage same
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 ↗Ohio
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Ohio sources ↗SR-22 / FR-44
SR-22 required same
FR-44 required same
Filing duration
Ohio
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained…
Official source ↗Full details
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained through the reinstatement and runs with the court suspension term (OVI suspensions range 1 yr to 12 yrs depending on offense count, §4511.19).
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 ↗Ohio
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues…
Official source ↗Full details
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues past reinstatement.
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
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).
Ohio
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by…
Official source ↗Full details
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by §4511.191(F)(2) (commonly ~$475, higher for repeat offenses).
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.
Ohio
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry…
Official source ↗Full details
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry their own reinstatement.
Penalties
No-insurance, first offense
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.
Ohio
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40…
Official source ↗Full details
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40 reinstatement. Driving during an FRA suspension (§4510.16) is an unclassified misdemeanor, fine up to $1,000.
No-insurance, repeat offense
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.
Ohio
License lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+). SR-22 maintained 1 year.
Official source ↗DUI suspension
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.
Ohio
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two…
Official source ↗Full details
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two suspension (3 years to life). Limited driving privileges and IID/unlimited-privileges options available per §4510.13 / §4510.022.
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.
Ohio
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum…
Official source ↗Full details
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum jail/intervention escalates with each offense.
Driving while suspended
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.
Ohio
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under…
Official source ↗Full details
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under FRA suspension (§4510.16): unclassified misdemeanor, fine up to $1,000. General driving-under-suspension (§4510.11): M1. Driving under a 12-point suspension (§4510.037): M1, minimum 3-day jail (non-suspendable).
CDL
CDL consequence
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.
Ohio
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd)…
Official source ↗Full details
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd) (§4506.16(D)). Disqualification is 3 years if hauling hazmat at the time. Per §4506.16(F), the offense counts even when committed in a personal (non-commercial) vehicle if it occurred after the person obtained the CDL or on/after 9/30/2005. A test refusal also = immediate 24-hour out-of-service (§4506.17). Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days.