DUI Car Insurance in Georgia: Costs, Laws, and Cheapest Companies (2026)
After a DUI in Georgia, drivers pay an average of $191 per month for liability-only car insurance.
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Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
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Quick Facts
After a driving under the influence (DUI) conviction in Georgia, a full-coverage insurance policy averages $259 per month — about 21% higher than the average cost without a DUI.
The cheapest car insurance company after a DUI in Georgia is Auto-Owners, with an average monthly rate of $92 for liability-only coverage.
A DUI in Georgia generally affects your insurance rates for five years but stays on your criminal record permanently.
Cheapest car insurance quotes after a DUI in Georgia
Liability-only car insurance after a DUI in Georgia averages $191 per month. Full coverage after a DUI in Georgia costs about $316 per month.
In Georgia, Auto-Owners offers the cheapest car insurance for drivers with a DUI, with liability-only coverage averaging $92 per month.
The table below shows average monthly rates for liability-only coverage for Georgia drivers with a DUI.
The below rates in Georgia are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $92 |
| Country Financial | $102 |
| State Farm | $104 |
| Allstate | $114 |
| Progressive | $119 |
| Mile Auto | $122 |
| USAA | $122 |
| Mercury | $182 |
| Root | $193 |
| GEICO | $194 |
| Clearcover | $195 |
| Bristol West | $196 |
| GAINSCO | $210 |
| Direct Auto | $212 |
| The General | $214 |
| Trexis One | $219 |
| AssuranceAmerica | $222 |
| Mendota | $229 |
| First Acceptance | $237 |
| Insurify Car | $237 |
| National General | $238 |
| Trexis | $241 |
| Excepsure | $244 |
| Safeco | $262 |
| Hugo | $333 |
| Liberty Mutual | $423 |
Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Georgia After a DUI
Liability rates after a DUI average $191 per month
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How a DUI affects car insurance rates in Georgia
Compared to the average car insurance cost in Georgia, a DUI can raise your rates by about 21%. Your exact increase depends on several factors, including:
BAC level: A higher blood alcohol content (BAC) could mean higher rates.
Prior offenses: Multiple DUIs could increase your premium even more.
Age: Drivers younger than 21 could face even higher rate increases after a DUI.
Coverage levels: After a DUI conviction, the state of Georgia requires higher liability coverage limits for three years.
The following chart shows the average cost of liability-only car insurance in Georgia for drivers with a DUI and without one.
The below rates in Georgia are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Average Liability-Only Rates: With DUI vs. Without DUI
Insurance Company | With DUI | Without DUI |
|---|---|---|
| Auto-Owners | $92 | $73 |
| Country Financial | $102 | $79 |
| State Farm | $104 | $78 |
| Allstate | $114 | $86 |
| Progressive | $119 | $98 |
| Mile Auto | $122 | $92 |
| USAA | $122 | $92 |
| Mercury | $182 | $128 |
| Root | $193 | $145 |
| GEICO | $194 | $147 |
| Clearcover | $195 | $153 |
| Bristol West | $196 | $147 |
| GAINSCO | $210 | $158 |
| Direct Auto | $212 | $159 |
| The General | $214 | $166 |
| Trexis One | $219 | $180 |
| AssuranceAmerica | $222 | $167 |
| Mendota | $229 | $188 |
| First Acceptance | $237 | $194 |
| Insurify Car | $237 | $194 |
| National General | $238 | $179 |
| Trexis | $241 | $198 |
| Excepsure | $244 | $200 |
| Safeco | $262 | $179 |
| Hugo | $333 | $273 |
| Liberty Mutual | $423 | $318 |
Best car insurance companies after a DUI in Georgia
The best car insurance company for you will depend on your personal circumstances, including where you live and other factors. We’ve evaluated the insurers below based on average rates, available coverage, verified user reviews, and independent industry ratings.
Auto-Owners: Best for cheap rates after a DUI in Georgia
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.3
Best choice in GeorgiaBased on 350 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Georgia for
Showing recent national reviewsSee all 151 Auto-Owners reviews
Verified Review
Reviewed in Illinois on July 11, 2026
Too expensive.
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners offers some of the lowest average car insurance rates after a DUI in Georgia for both liability-only coverage and full coverage. Besides low rates, it also scores above average in auto claims satisfaction, according to the J.D. Power U.S. Auto Claims Satisfaction Study.[1]
Pros
Some of the cheapest rates in Georgia for drivers with a DUI
Above-average claims satisfaction
Low number of complaints reported to the National Association of Insurance Commissioners (NAIC)
Cons
Must buy coverage through an independent agent
No online quotes
Limited online policy-management tools
Allstate: Best for SR-22 filing after a DUI in Georgia
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $152/mo |
3.8
A solid option in GeorgiaBased on 11,634 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Georgia for
Showing 72 reviews from Georgia driversSee all 4,565 Allstate reviews
Verified Review
Reviewed in Georgia on July 20, 2026
I have good coverage with them, and I’ve been happy overall. It’s just that insurance keeps going up, and I’m on a limited income. With everything going up, it’s hard to afford it. I’m 80 and I have a good driving record. I don’t want to have to give up my car, but it looks like I may have to.
I’ve checked other companies, but they are higher and the coverage is not as good as what I have.
Verified Review
Reviewed in Georgia on July 18, 2026
They raised their price every year.
Verified Review
Reviewed in Georgia on July 13, 2026
I’ve never had a claim, so I don’t have any experience with that. Other than that, my premiums have increased every year.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate offers some of the lowest insurance rates for drivers who must file an SR-22 after a DUI. It also offers easy-to-use online tools for policy and account management to help customers stay compliant during the three-year SR-22 period.
Pros
Competitive rates for Georgia drivers with a DUI
Online tools and mobile apps
Many available discounts
Cons
Below-average J.D. Power claims satisfaction ratings
Fewer additional coverage options
Could lose discounts after a DUI
State Farm: Best for customer satisfaction after a DUI in Georgia
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.1
Best choice in GeorgiaBased on 19,813 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Georgia for
Showing 75 reviews from Georgia driversSee all 7,822 State Farm reviews
Verified Review
Reviewed in Georgia on July 20, 2026
The coverage is very good, but the prices seem high.
Verified Review
Reviewed in Georgia on July 19, 2026
I've been with State Farm for over 30 years. No problems.
Verified Review
Reviewed in Georgia on July 19, 2026
It’s getting way too expensive. I’ve had no wrecks and no tickets in 15 years. I’ve been a customer for over 25 years, and they still raise my rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers cheap car insurance rates for Georgia drivers with a DUI. The insurer also scores above average for customer satisfaction in the Southeast region, according to the J.D. Power U.S. Auto Insurance Study.
State Farm also earned an above-average claims satisfaction score from J.D. Power and has an A+ (Superior) financial strength rating from AM Best.
Pros
Affordable coverage
Highly rated for customer and claims satisfaction
Some of the lowest rates in Atlanta after a DUI
Cons
Must use an independent agent to finalize coverage
Higher-than-average number of complaints reported to the NAIC
No defensive driving course discount for drivers with a DUI
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with a DUI in Georgia. We also weigh rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
How to get car insurance after a DUI in Georgia
After a DUI conviction in Georgia, you’ll need to follow several specific steps to reinstate your driver’s license and get car insurance:
Finish your suspension. Georgia will restrict or suspend your license for 120 days up to five years, depending on your driving history.
Complete the state-required DUI program. You’ll need to present a certificate of completion from a state-approved DUI Alcohol or Drug Use Risk Reduction Program.
Apply for reinstatement. After a first-time drunk driving conviction, you’ll need to pay a $210 fee to reinstate your license in person, or $200 by mail.
Shop for high-risk insurance. Request quotes from several insurers to get the best rate. Make sure the company insures drivers with a DUI and offers SR-22 filings.
Adjust coverage to lower costs. Raising your deductibles — or dropping collision and comprehensive coverage — could lower your rates. Make sure you can afford to pay for repairs out of pocket after an accident.
Provide an SR-22. Your insurance company must file an SR-22 with the Georgia Department of Driver Services (DDS) for three years after your conviction.
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DUI laws in Georgia
Georgia’s DUI laws aim to reduce drunk drivers on the state’s roadways. For drivers aged 21 and older, the state blood alcohol content (BAC) limit is 0.08. The limit drops to 0.02 for drivers younger than 21 and 0.04 for commercial drivers.
Georgia’s DUI penalties
DUI penalties in Georgia vary depending on age and prior convictions. Penalties always involve a license suspension and possibly jail time.
If you’re 21 or older, penalties work like this:
First offense: The state will suspend your license for six months to one year, depending on your BAC.
Second offense: You’ll lose your license for at least 18 months. After 120 days, you can apply for reinstatement, but you’ll need to have a certified ignition interlock device in your car before you can drive.
Third offense: You’ll lose your driving privileges for five years. Afterward, you’ll have to install an ignition interlock device for 12 months.
Fourth offense: If you receive a fourth DUI in 10 years, the state considers you a felon. A judge may sentence you to up to five years in prison and fine you $5,000.
If you’re younger than 21, the penalty for a first offense depends on your BAC:
BAC below .08: The state will suspend your license for a minimum of six months.
BAC above .08: You’ll lose your license for at least 12 months.
How long a DUI stays on your record in Georgia
While a DUI in Georgia stays on your criminal record permanently, it remains on your driving record for 10 years.[2] It’s common for insurance companies to review only the last five years of your driving history when determining your rate.
GA SR-22 requirements
Once you have a DUI conviction, you’ll need your insurance company to file an SR-22 with the Georgia DDS. This form certifies that you hold a valid auto insurance policy that meets state-minimum requirements.
You must maintain the SR-22 for three years from the date of your DUI conviction.
Minimum car insurance requirements in GA after a DUI
For drivers with a clean record, the state-minimum car insurance requirement in Georgia is 25/50/25. This refers to $25,000 per person and $50,000 per incident in bodily injury liability, and $25,000 in property damage liability per incident.
But after one DUI, those required limits double to 50/100/50, or $50,000 per person and $100,000 per incident in bodily injury liability, and $50,000 in property damage liability per incident.
After a second DUI, the state requires you to carry at least $100,000 per person and $300,000 per incident in bodily injury liability, and $100,000 in property damage liability per incident.
Find Cheap Car Insurance in Georgia
Monthly liability rates start as low as $92 for drivers with a DUI
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How to lower DUI insurance costs in Georgia
After you receive a DUI conviction in Georgia, your car insurance costs will increase. But you can take steps to keep costs as low as possible.
Here are a few tips:
Compare quotes from insurers that work with DUI convictions
Not all companies offer coverage to drivers with a DUI, so checking prices from at least three insurers can help you find the best rate.
Take a defensive driving course
Completing a state-approved safe driver course could help you lower your rates with some insurers. This course is separate from the DUI program that the state requires you to take to reinstate your license.
Consider dropping comprehensive and collision coverage
If you can afford to repair or replace your car out of pocket, removing full coverage can save you quite a bit of money. But your lender or lessor will require comprehensive and collision coverage if you finance or lease your vehicle.
Work on improving your credit
Georgia allows insurers to use your credit-based insurance score as a factor in your rates. If you have bad credit, improving your credit history could help decrease your rates over time.
DUI car insurance in Georgia FAQs
For more information on DUI car insurance in Florida, see the answers below to some of the most frequently asked questions.
What is the cheapest car insurance company in Georgia after a DUI?
The cheapest car insurance company after a DUI in Georgia is Auto-Owners, with an average monthly liability-only rate of $92. Among other factors, your rate depends on your age, gender, and ZIP code.[3]
How long will a DUI affect your car insurance premium in Georgia?
You could feel the financial effects of a DUI on your auto insurance rates for at least three years, which is the minimum time Georgia requires you to keep an SR-22 on file. But a DUI can affect your premium for up to 10 years.
How much is DUI insurance in Georgia?
The average cost for DUI insurance coverage in Georgia is $254 per month. Liability-only coverage averages $191 per month, and full coverage costs about $316 per month.
How long is an SR-22 required after a DUI in Georgia?
You’ll typically need to file an SR-22 for three years after a DUI conviction in Georgia. This certificate of financial responsibility shows the Georgia DDS that your insurance meets state requirements.
Can you switch insurance companies after a DUI in Georgia?
Yes. You can switch auto insurance companies after a DUI in Georgia. In fact, comparing rates from multiple companies after a DUI can help you find more affordable car insurance coverage as a high-risk driver.
Sources
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study."
- Georgia Department of Driver Services. "Chapter 1 Continued."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Cheapest Car Insurance Quotes in Savannah, Georgia (July 2026)
The cheapest insurer in Savannah is Auto-Owners, with liability-only rates averaging $77 per month. Savannah’s coastal hurricane exposure affects car insurance rates in the city.
Cheap Car Insurance Quotes in Macon, Georgia (July 2026)
Auto-Owners offers the cheapest car insurance in Macon, with an average monthly rate of $82 for liability coverage. Heavy traffic and a high fatal crash rate increase insurance costs for drivers.
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Cheap Car Insurance Quotes in Marietta, Georgia (July 2026)
Marietta drivers can find the cheapest insurance coverage with Auto-Owners, with liability rates averaging $79 per month. The average commute is 27.5 minutes, which is longer than the national average. The extra time behind the wheel can increase insurance premiums.
Cheapest Car Insurance Quotes in Columbus, Georgia (July 2026)
Auto-Owners offers Columbus drivers the cheapest car insurance rates, with liability policies averaging $64 per month. The city’s limited traffic and relatively low vehicle theft rates likely contribute to the below-average auto insurance costs.
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Mary Beth EastmanFreelance Insurance Writer
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David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter