- Does a DUI raise car insurance rates in Georgia?
- How much does a DUI raise your insurance in Georgia?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Georgia?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Georgia
- Georgia DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Georgia DUI insurance: Frequently asked questions
- Compare Georgia DUI car insurance rates with other states
Does a DUI raise car insurance rates in Georgia?
With a clean driving history, car insurance in Georgia averages $1,970. After a DUI, the rate increases to $3,434, which is $1,464 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $5,550.
How much does a DUI raise your insurance in Georgia?
The most affordable insurer after a DUI is State Farm, offering average annual rates of $2,507. The second-lowest option is Progressive, which costs $90 more than State Farm. Allstate provides the third-cheapest car insurance rates for drivers with a DUI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DUI in Georgia.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $2,344 | $2,507 | $2,507 |
| Progressive | $1,656 | $2,597 | $4,631 |
| Allstate | $2,014 | $2,696 | $3,732 |
| Country Financial | $1,880 | $2,771 | $4,241 |
| Auto-Owners | $1,529 | $2,928 | $6,286 |
| Mercury Insurance | $2,219 | $3,219 | $4,457 |
| GEICO | $2,072 | $6,015 | $13,527 |
| USAA | $1,562 | $3,211 | $4,213 |
PEOPLE ASK:
What happens when you get a DUI in Georgia?
If you're convicted of a DUI in Georgia, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the DUI will not show up on your driving record.
However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.
How long does a DUI affect your insurance in Georgia?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Georgia and stays on your record for 10 years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $6,780.
These are the cheapest companies after a DUI by age:
- For teens: Country Financial is the cheapest at $6,780.
- For young adults: Progressive offers the cheapest young adult coverage at $2,878.
- For adults: State Farm, with an average rate of $2,507.
- For seniors: State Farm has the most affordable average rate at $2,298.
This table shows how a DUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Country Financial | $4,274 | $6,780 | $2,506 | 59% |
| State Farm | $6,321 | $6,815 | $494 | 8% |
| Auto-Owners | $3,903 | $8,228 | $4,325 | 111% |
| Allstate | $6,412 | $9,244 | $2,832 | 44% |
| Progressive | $8,031 | $10,186 | $2,155 | 27% |
| Mercury Insurance | $9,896 | $10,709 | $813 | 8% |
| GEICO | $5,677 | $11,060 | $5,383 | 95% |
| Country Financial | $4,274 | $6,780 | $2,506 | 59% |
| State Farm | $6,321 | $6,815 | $494 | 8% |
| Auto-Owners | $3,903 | $8,228 | $4,325 | 111% |
| Allstate | $6,412 | $9,244 | $2,832 | 44% |
| Progressive | $8,031 | $10,186 | $2,155 | 27% |
| Mercury Insurance | $9,896 | $10,709 | $813 | 8% |
| GEICO | $5,677 | $11,060 | $5,383 | 95% |
| USAA | $3,922 | $6,625 | $2,703 | 69% |
| USAA | $3,922 | $6,625 | $2,703 | 69% |
How much does a DUI raise your insurance in your city?
The least expensive city in Georgia for car insurance after a DUI is Guyton, while the costliest city is Austell, with an average rate of $4,331. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Alpharetta | $2,030 | $3,520 | $1,490 | 73% |
| Athens | $1,816 | $3,062 | $1,246 | 69% |
| Atlanta | $2,470 | $4,281 | $1,811 | 73% |
| Augusta | $1,933 | $3,286 | $1,353 | 70% |
| Austell | $2,414 | $4,331 | $1,917 | 79% |
| Douglasville | $2,312 | $4,096 | $1,784 | 77% |
| Guyton | $1,798 | $3,052 | $1,254 | 70% |
| Marietta | $2,201 | $3,945 | $1,744 | 79% |
| Mcdonough | $2,273 | $4,029 | $1,756 | 77% |
| Pooler | $2,027 | $3,470 | $1,443 | 71% |
| Alpharetta | $2,030 | $3,520 | $1,490 | 73% |
| Athens | $1,816 | $3,062 | $1,246 | 69% |
| Atlanta | $2,470 | $4,281 | $1,811 | 73% |
| Augusta | $1,933 | $3,286 | $1,353 | 70% |
| Austell | $2,414 | $4,331 | $1,917 | 79% |
| Douglasville | $2,312 | $4,096 | $1,784 | 77% |
| Guyton | $1,798 | $3,052 | $1,254 | 70% |
| Marietta | $2,201 | $3,945 | $1,744 | 79% |
| Mcdonough | $2,273 | $4,029 | $1,756 | 77% |
| Pooler | $2,027 | $3,470 | $1,443 | 71% |
How to get car insurance after a DUI in Georgia
Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.
If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Georgia, as each company sets its own rates after a DUI.
Georgia DUI insurance requirements and penalties
A DUI in Georgia means you must meet specific requirements for high-risk drivers. In Georgia, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Georgia DUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.15 | 1 year | Yes | Mandatory for repeat convictions | Yes | Yes |
| 0.15 | 1 year | Yes | Mandatory for repeat convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Georgia can expect elevated car insurance rates after a DUI and expect it to stay on their record for 10 years.
Tips to save money after a DUI
A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Georgia drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Georgia DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
DUIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DUI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DUI in Georgia?
Most insurers won't drop you after one DUI, but rates will increase significantly. However, multiple DUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare Georgia DUI car insurance rates with other states
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