Car Insurance For Suspended License in Georgia
Reader’s Question:
My driver’s license was suspended for two years for driving without license in another state. My driver’s license was issued in Louisville, KY. Does that mean I will not be able to get a driver’s license and car insurance in my new home state of Georgia? To my understanding, GA is not a reciprocal state for driver’s license records.
Kyle
Augusta, GA
No. You will not likely be allowed to obtain a driver’s license in Augusta, Georgia with your driver’s license in your previous state of Kentucky being suspended. Though you’re correct that Georgia is not part of the Drivers License Compact (DLC), GA, however is part of the Non-Resident Violator Compact (NRVC). It has separate agreements with other states to share ticket information even without being part of the DLC. So, GA shares information about licensing and violation convictions with other states.
When applying for a Georgia license, you would need to inform the GA Department of Driver Services (DDS) about the suspension of your license in KY. Georgia state laws require a wait period until you can reinstate your KY license to drive again before you’re allowed to obtain a driver’s license in their state. To make sure that this is true in your specific situation and to see if you can obtain any kind of restricted license in the mean time, you may want to contact GA DDS.
Without having a valid driver’s license, it will be difficult if not impossible to get auto insurance since having a suspended license means you’re not supposed to drive a car.
Can I Register the Car in Georgia and Have Car Insurance in Another State?
Reader’s Question:
My mother bought me a vehicle. She lives in Alabama and I live in Georgia. Can she insure it in Alabama and I register it here in GA?
Ed
Augusta, GA
The Georgia laws states that you will have to have your car insured in Georgia if your registration and license plates are from GA. Even if Georgia did permit you to have an out of state insurance company cover your car it would likely be hard to find an insurance company that would cover a vehicle that was insured in Alabama but driven and kept out of state in Georgia.
The Georgia Motor Vehicle Division of the Department of Revenue states that car owners and lessees in this state are required to carry continuous GA mandatory liability insurance coverage on their car(s) to:Legally operate a vehicle(s);Register and get Georgia license plates (tags); and, Renew, transfer or replace their existing Georgia license plates (tags).
If your name is on the title of the vehicle your mother purchased for you then it should not be hard for you to obtain your own car insurance on the car. If your name is not on the title then there are some insurance carriers that will permit you to get insurance without insurable interest in the vehicle, but it would not be difficult for you to place coverage on the vehicle if your name was added to the car’s title.
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