Cheapest car insurance for high-risk drivers in Georgia

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 youll 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

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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.

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 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 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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Cheapest car insurance in Georgia with multiple tickets

The cheapest insurer for drivers with multiple tickets is Auto-Owners, with rates averaging $1,977 annually or $165 monthly.

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

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Cheapest car insurance in Georgia with a reckless driving conviction

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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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

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Cheapest car insurance after an accident in Georgia

Auto-Owners has the lowest rates after an accident at $2,201 a year. Country Financial also has affordable rates at $2,408 a 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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Cheapest car insurance in Georgia by city

Guyton has the cheapest car insurance rates in Georgia at $2,794 per year. But the most expensive city is Atlanta with rates of $3,872 per year.

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

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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 considered a high-risk driver in Georgia, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.