- 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
- Compare Georgia high-risk driver car insurance rates with other states
Cheapest car insurance in Georgia for a bad driving record
Progressive, Allstate, Country Financial provides affordable car insurance for high-risk drivers with bad driving record in Georgia.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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. However, you can get rates as low as $2,392 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 determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Georgia with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $2,507.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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
Auto-Owners is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,977 or $165.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Georgia drivers how much multiple tickets increase 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
Drivers with reckless driving conviction can get the cheapest rates from Progressive at $2,505.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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
Progressive offers the cheapest rates for drivers with poor credit at $2,563 or $214. However,drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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 and Country Financial have the lowest car insurance rates after an accident at $2,201 and $2,408, respectively.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one 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
Guyton has the cheapest car insurance rates in Georgia at $2,794. But the most expensive city is Atlanta with rates of $3,872.
Your location in Georgia also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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:
- 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 Georgia 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.
Compare Georgia high-risk driver car insurance rates with other states
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