Cheap DUI Car Insurance in Georgia:
Costs and Quotes (2022)

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Last Updated: January 2022

Best DUI Insurance Companies in Georgia (2022)

For drivers with a DUI or DWI offense in Georgia, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Georgia. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Georgia.

Carrier
freedom-national
$163/mo
mile-auto
$178/mo
travelers
$198/mo
liberty-mutual
$206/mo
$244/mo
direct-auto
$271/mo
gainsco
$272/mo
bristol-west
$285/mo
safeco
$287/mo
assurance-america
$289/mo

DUI Car Insurance Costs in Georgia

In Georgia, a DUI or DWI offense will on average have drivers paying $530 per month and $6,360 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 72% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

$309
$530
Avg. Monthly Cost - No ViolationAvg. Monthly Cost - After DUI
$221 ▴Monthly Impact of DUI on Rates
71.52% ▴Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in Georgia?

What do DUIs really cost? The answer is different for every person, but it's also the same : more than you want to pay. That adage definitely applies to the car insurance bill.

The state average is $354, and people with a clean driving record skate below that, at $309. That extra drink kicks the premium up by an astounding 71 percent, to $530. Compared to a clean record, it adds $221 per month, or over $2,600 per year. That's a nice chunk of change and plenty of reason to hand a friend the keys or hop in a Lyft.

Average Percent Increase After DUI
$309$53071.52%

What Are the Average Car Insurance Prices After a DUI in Georgia?

Everyone understands that no two drivers are exactly alike, but we look at averages to paint a helpful picture. In the Peach State, DUI drivers pay $530 per month to stay on the road. That high number means Georgia ranks 11th in the nation for most expensive DUI car insurance.

For the sake of perspective, Michigan residents with the same conviction shell out more than double, at $1,200 per month. At that price, Georgians will keep the humidity and let those up north have the cold. While you're warming up to your premium, think about quoting your car at the state minimum, and watch the changing cost as you add coverage.

Most Expensive State for DUI (1-50)
$53011st

How Long Is the Lookback Period for a DUI in Georgia?

Georgia has two lookback periods. The courts go back 10 years when deciding if you're a repeat offender or not, but the Georgia Department of Driver Services (DDS) only goes back five years when determining how a conviction will change your license status. Five years is the longest period insurance companies check, but the majority limit it to three.

If you're looking at three years before seeing your price change, how can you lower rates today? Compare multiple quotes, avoid adding any other accidents or violations to your record, and get quotes again every six months.

Georgia DUI Penalties

In Georgia, the number of offenses, officer evasion, and causing severe injury or death all increase the punishment level. If this is your first DUI, you can expect jail time of 10 days to 12 months, a fine between $300 and $1,000, community service for 40 hours, and a license suspension of 12 months.

Drivers under the age of 21 face similar penalties, except it's jail time for 24 hours to 12 months, community service for 20 hours, and a license suspension of six months. Everyone who gets a DUI will be required to attend the DUI Alcohol or Drug Use Risk Reduction Program.

Top Auto Insurance Companies

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FAQs - Georgia Car Insurance

Why is car insurance so expensive in Georgia?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Georgia?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Georgia. Insurify analyzed the latest data for the five most populous cities in Georgia to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Georgia?

The way to find the carrier with the best auto insurance ratings in Georgia and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Georgia?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.