Cheapest car insurance for high-risk drivers in Georgia

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

Progressive, Allstate and Country Financial offer some of the cheapest rates for drivers with poor driving records in Georgia. Among them, Progressive has the lowest average 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, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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?

The average cost of high-risk car insurance in Georgia is $3,099 annually. However, some insurers offer rates far below the state average, with premiums starting around $2,392 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

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?

State Farm offers the cheapest average rates after a DUI in Georgia at $2,507 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Georgia for drivers with a clean record versus those with a DUI.

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 has the cheapest average rates for drivers with multiple tickets at $1,977 annually or $165 monthly.

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

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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

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

Progressive provides the cheapest average reckless driving insurance rates in Georgia at $2,505 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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

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Expert's 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?

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

Auto-Owners has the cheapest average rates after an accident at $2,201 per year. Country Financial also offers lower-than-average rates at $2,408 annually.

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

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Expert's 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 average high-risk car insurance rates in Georgia at $2,794 per year. In comparison, drivers in Atlanta pay the highest average rates at $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?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Georgia, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

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 Georgiadepends 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 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.

An SR-22 is not an insurance policy and doesn't require special 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:

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

FAQ: High-risk car insurance in Georgia

Can high-risk drivers get full coverage car insurance in Georgia?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Georgia?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.