Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Georgia is $2,193. High-risk drivers in Georgia can expect to pay between $2,309 and $4,534 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Georgia for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Georgia will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Georgia is $2,193, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Georgia is $1,913, while a driver with a reckless driving conviction pays $1,764 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,834 in Georgia.
- Cheapest car insurance for high-risk drivers in Georgia
- Average rates for high-risk drivers in Georgia by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Georgia
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Georgia is State Farm, followed by USAA and Nationwide.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $2,193 | $183 |
| USAA | $2,439 | $203 |
| Nationwide | $2,700 | $225 |
| Allstate | $3,067 | $256 |
| Auto-Owners | $3,070 | $256 |
| Progressive | $3,291 | $274 |
| Mercury Insurance | $3,570 | $298 |
| Geico | $4,190 | $349 |
Average rates for high-risk drivers in Georgia by driving record
Average cost of car insurance in Georgia for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Georgia for a driver with a DUI is State Farm with an average annual of $1,913 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,913 | $159 |
| USAA | $2,421 | $202 |
| Auto-Owners | $2,497 | $208 |
| Progressive | $2,664 | $222 |
| Allstate | $2,669 | $222 |
| Mercury Insurance | $2,790 | $232 |
| Nationwide | $2,800 | $233 |
| Geico | $4,944 | $412 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Georgia, the cheapest car insurance with multiple tickets is from USAA. It offers full coverage insurance at $1,743 per year or $145 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| USAA | $1,743 | $145 |
| Nationwide | $1,859 | $155 |
| State Farm | $1,913 | $159 |
| Geico | $2,329 | $194 |
| Allstate | $2,349 | $196 |
| Auto-Owners | $2,497 | $208 |
| Progressive | $2,586 | $216 |
| Mercury Insurance | $3,199 | $267 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Georgia, USAA offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,764 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| USAA | $1,764 | $147 |
| State Farm | $1,913 | $159 |
| Auto-Owners | $2,497 | $208 |
| Progressive | $2,545 | $212 |
| Allstate | $2,669 | $222 |
| Nationwide | $2,800 | $233 |
| Geico | $2,992 | $249 |
| Mercury Insurance | $3,558 | $296 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Georgia is Nationwide with an average annual cost of $1,834 or $153 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,834 | $153 |
| Geico | $2,017 | $168 |
| USAA | $2,326 | $194 |
| Progressive | $2,558 | $213 |
| Mercury Insurance | $2,810 | $234 |
| Allstate | $2,994 | $249 |
| Auto-Owners | $3,360 | $280 |
| State Farm | $3,437 | $286 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
