- Cheapest car insurance in Georgia for a bad driving record
- How much is high-risk car insurance in Georgia?
- Cheapest car insurance in Georgia with a DUI
- Cheapest car insurance in Georgia with multiple tickets
- Cheapest car insurance in Georgia with a reckless driving conviction
- Cheapest car insurance in Georgia with bad credit
- Cheapest car insurance after an accident in Georgia
- Cheapest car insurance in Georgia by city
- How to reduce car insurance rates in Georgia for a bad driving record
- Georgia car insurance laws for high-risk drivers
- Methodology
- Compare Georgia high-risk driver car insurance rates with other states
Cheapest car insurance in Georgia for a bad driving record
If you have a poor driving record in Georgia, Progressive, Allstate, Country Financial are the cheapest options. Progressive has the lowest annual rate at $2,392 per year.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Progressive | $1,656 | $2,392 |
| Allstate | $2,014 | $2,553 |
| Country Financial | $1,880 | $2,584 |
| Auto-Owners | $1,529 | $2,760 |
| Mercury Insurance | $2,219 | $3,494 |
| State Farm | $2,344 | $3,563 |
| GEICO | $2,072 | $3,586 |
| USAA | $1,562 | $2,407 |
How much is high-risk car insurance in Georgia?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Georgia, high-risk car insurance costs $3,099 per year. However, you can get rates as low as $2,392 annually from Progressive.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Auto-Owners | $1,529 | $2,201 |
| USAA | $1,562 | $2,390 |
| Country Financial | $1,880 | $2,408 |
| State Farm | $2,344 | $2,713 |
| Allstate | $2,014 | $3,021 |
| Progressive | $1,656 | $3,028 |
| GEICO | $2,072 | $3,465 |
| Mercury Insurance | $2,219 | $4,581 |
PEOPLE ASK:
Who is considered high-risk for insurance in Georgia?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Georgia with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $2,507 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Georgia.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $2,344 | $2,507 |
| Progressive | $1,656 | $2,597 |
| Allstate | $2,014 | $2,696 |
| Country Financial | $1,880 | $2,771 |
| Auto-Owners | $1,529 | $2,928 |
| Mercury Insurance | $2,219 | $3,219 |
| GEICO | $2,072 | $6,015 |
| USAA | $1,562 | $3,211 |
Cheapest car insurance in Georgia with multiple tickets
For drivers with multiple tickets, Auto-Owners offers the lowest premiums, averaging $1,977 per year or $165 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Georgia how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Auto-Owners | $1,529 | $1,977 |
| Progressive | $1,656 | $2,228 |
| Allstate | $2,014 | $2,276 |
| Country Financial | $1,880 | $2,460 |
| State Farm | $2,344 | $2,507 |
| GEICO | $2,072 | $3,076 |
| Mercury Insurance | $2,219 | $3,391 |
| USAA | $1,562 | $1,941 |
Cheapest car insurance in Georgia with a reckless driving conviction
Progressive offers the most affordable rates for drivers with reckless driving convictions, averaging $2,505 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Progressive | $1,656 | $2,505 |
| State Farm | $2,344 | $2,507 |
| Allstate | $2,014 | $2,696 |
| Country Financial | $1,880 | $2,771 |
| Auto-Owners | $1,529 | $2,928 |
| GEICO | $2,072 | $3,483 |
| Mercury Insurance | $2,219 | $4,273 |
| USAA | $1,562 | $2,319 |
Cheapest car insurance in Georgia with bad credit
The cheapest Georgia insurer for bad credit is Progressive, with rates averaging $2,563 per year or $214 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Georgia car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Progressive | $1,656 | $2,563 |
| Country Financial | $1,880 | $2,578 |
| GEICO | $2,072 | $2,788 |
| Allstate | $2,014 | $3,100 |
| Mercury Insurance | $2,219 | $3,301 |
| Auto-Owners | $1,529 | $3,990 |
| State Farm | $2,344 | $8,840 |
| USAA | $1,562 | $3,088 |
Cheapest car insurance after an accident in Georgia
Auto-Owners has the lowest average rates after an accident at $2,201 a year. Country Financial also offers affordable rates, averaging $2,408 per year.
Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.
This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Auto-Owners | $1,529 | $2,201 | $2,782 |
| Country Financial | $1,880 | $2,408 | $3,244 |
| State Farm | $2,344 | $2,713 | $2,713 |
| Allstate | $2,014 | $3,021 | $4,020 |
| Progressive | $1,656 | $3,028 | $4,437 |
| GEICO | $2,072 | $3,465 | $3,768 |
| Mercury Insurance | $2,219 | $4,581 | $6,218 |
| USAA | $1,562 | $2,390 | $4,302 |
Cheapest car insurance in Georgia by city
In Georgia, the lowest car insurance rates are found in Guyton, averaging $2,794 annually. On the other hand, Atlanta has the highest rates at $3,872 a year.
Where you live in Georgia matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Guyton | $1,798 | $2,794 |
| Athens | $1,816 | $2,811 |
| Augusta | $1,933 | $3,016 |
| Pooler | $2,027 | $3,162 |
| Alpharetta | $2,030 | $3,194 |
| Marietta | $2,201 | $3,513 |
| Mcdonough | $2,273 | $3,596 |
| Douglasville | $2,312 | $3,662 |
| Austell | $2,414 | $3,842 |
| Atlanta | $2,470 | $3,872 |
How to reduce car insurance rates in Georgia for a bad driving record
Finding affordable car insurance in Georgia is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Georgia also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Georgia?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Georgia car insurance laws for high-risk drivers
If you're a high-risk driver in Georgia, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Georgia high-risk driver car insurance rates with other states
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