Cheapest car insurance for high-risk drivers in Georgia

Which company has the cheapest car insurance in Georgia for a bad driving record?

Drivers with a poor record in Georgia will find the lowest rates from Progressive, Allstate and Country Financial. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,392 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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How much is high-risk car insurance in Georgia?

In Georgia, the average cost of high-risk car insurance is $3,099 per year. However, you may secure coverage from Progressive for as low as $2,392 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Georgia, GA is $2,961

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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

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Georgia after a DUI?

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $2,507 annually.

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

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What is the cheapest car insurance in Georgia with multiple tickets?

Auto-Owners is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,977 a year or $165 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Georgia?

Progressive offers the cheapest rates for drivers with reckless driving convictions at $2,505 per year.

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.

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.

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

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Georgia?

In Georgia, Progressive provides the lowest premiums for drivers with poor credit, averaging $2,563 per year or $214 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Georgia.

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

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What company has the cheapest car insurance in Georgia after an accident?

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 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

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Georgia?

Guyton has the cheapest car insurance rates in Georgia, averaging $2,794 a year. However, the most expensive city is Atlanta, with average insurance rates of $3,872 annually.

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.

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

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How can high-risk drivers lower their car insurance rates in Georgia?

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 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.

What are Georgia's insurance requirements for high-risk drivers?

If you're a high-risk driver in Georgia, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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: