Car Insurance for High-Risk Drivers in Georgia (2025)
Some companies, such as Auto-Owners and State Farm, offer competitive auto insurance rates after an accident or ticket for high-risk drivers in Georgia.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Table of contents
Georgia has a higher-than-average number of car accidents in the U.S., according to Insurify data. It also has a high rate of driving-under-the-influence (DUI) accidents.
Insurance companies may consider you a high-risk driver and charge you higher premiums if you have past speeding tickets, at-fault accidents, DUIs, or other traffic infractions on your driving record. On average, drivers in the Peach State with a past incident pay $300 per month for full coverage, while Georgia drivers with a clean record pay $249.
Here’s what you should know about Georgia insurance companies that sell auto insurance policies for high-risk drivers.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial are three of the cheapest insurance companies for high-risk drivers in Georgia.
In Georgia, people with clean driving records pay an average of $161 per month for liability coverage, while drivers with a past incident pay $194 per month.
If you have a suspended license in Georgia due to reckless driving or a DUI offense, your insurer may have to file an SR-22A form with the state prior to license reinstatement.[1]
Who is a high-risk driver in Georgia?
Insurers classify some drivers as “high risk” if they believe they’re more likely to have accidents or file claims. In Georgia, you may be a high-risk driver if you have at-fault accidents, multiple speeding tickets, a DUI conviction, reckless driving convictions, or other driving infractions on your record.
Georgia uses a points system to track driving violations. The points you receive for any traffic violations can lead to license suspension.
The table below highlights how many points drivers will earn after some common driving violations:
Conviction  | Points |
|---|---|
| Aggressive driving | 6 points |
| Reckless driving | 4 points |
| Speeding 19 to 23 mph over the speed limit | 3 points |
| Speeding 24 to 33 mph over the speed limit | 4 points |
| Speeding 34 mph or more over the speed limit | 6 points |
The Georgia Department of Driver Services will suspend the license of any driver who accumulates 15 points or more within a 24-month period.[2]
While insurers have their own systems for assessing high-risk drivers, having a driving record with several points will generally lead to higher insurance premiums.
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Best Georgia auto insurance companies for high-risk drivers
In Georgia, insurance companies may determine your premiums based on several risk factors, including your ZIP code, driving history, age, gender, and the make and model of your vehicle.[3]
The best car insurance company for you depends on your driving record and other variables, but these three companies are leading insurers for high-risk drivers.
State Farm: Best for customer satisfaction
| 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. | $102/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. | $143/mo |
4.1
Best choiceBased on 11,835 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,248)
Lorraine
Verified Review
Experience with CO
Reviewed in Nevada on October 2025
Excellent company, but too pricey!
Luis
Verified Review
Excellent service, but pricey
Reviewed in Maryland on October 2025
It’s been very good. I’ve never had to file a claim, so I can’t rate their claims handling. It’s pricey. Costs have been rising every year despite my excellent driving record and aging car.
Michael
Verified Review
Top Notch
Reviewed in Iowa on October 2025
I have had good luck with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
One of the largest insurers in the country, State Farm is among the most affordable companies for drivers in Georgia with issues on their driving record. Whether you were at fault in an accident or received a speeding ticket, State Farm may be able to offer you cheaper coverage than some insurers.
Plus, State Farm provides excellent customer service. It has a large network of insurance agents, so you can get personalized assistance from a local agent.
Pros
Strong customer satisfaction ratings
Large network of agents
AM Best financial strength rating of A++ (Superior)
Cons
Gap coverage not available
Accident forgiveness not available
Fewer discounts available in Georgia
COUNTRY Financial: Best for discounts
| User Reviews | 4.0 |
|---|---|
| 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. | 9.1 /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. | $103/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. | $144/mo |
4.0
Best choiceBased on 54 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (32)
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
Christian
Verified Review
My experience with Country Financial has been upstanding and I haven't had a problem with them
Reviewed in Nevada on September 2025
Honestly, one of the best insurance providers I have dealt with.
Nan
Verified Review
Good
Reviewed in Georgia on March 2025
I would like my representative to return my calls. My coverage has been average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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
COUNTRY Financial is a smaller, regional insurer that offers a long list of discounts. For high-risk drivers, some of the discounts, such as for completing a defensive driving course, can help make your auto insurance rates more affordable. COUNTRY Financial is also among the cheapest insurers for high-risk drivers in Georgia.
Pros
Defensive driver course and multi-policy discounts
Many coverage add-ons available
Has database of local representatives
Cons
Gap insurance not available
Can’t purchase coverage online
Customers report issues with the mobile app
Allstate: Best for SR-22 requirements
| User Reviews | 3.9 |
|---|---|
| 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. | $111/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. | $156/mo |
3.9
A solid optionBased on 7,214 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,772)
Cynthia
Verified Review
Hard to beat!
Reviewed in Texas on October 2025
My overall experience with Allstate has been great. They covered an auto accident that my wife was at fault in and helped to get everything taken care of. All repairs were made with absolutely no issues.
Marcia
Verified Review
Everyone there is very professional and knows how to handle any situation that comes up.
Reviewed in Florida on October 2025
Use the Oscar Dubon Agency, as they have the best people working for your best interests.
Elizabeth
Verified Review
Too Pricey
Reviewed in Alabama on October 2025
They are an excellent company, just too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Some high-risk drivers will have to file a Georgia Safety Responsibility Insurance Certificate (SR-22A) with the state Department of Driver Services. Not all insurers issue SR-22 forms, but Allstate will fax the form directly to the state department for you as proof of coverage.
Besides standard types of insurance, like collision, comprehensive, and liability insurance, Allstate has multiple coverage options, including rideshare insurance and rental reimbursement insurance. And Allstate tends to have relatively affordable rates, as well as multiple discounts.
Pros
Multiple discounts
SR-22 coverage available
Offers pay-per-mile coverage
Cons
Lower customer satisfaction ratings
Higher rates for drivers with clean records
Poor Trustpilot rating
When choosing the best car insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.
Cheapest car insurance in Georgia with an at-fault accident
An at-fault accident can increase your annual premiums by 45% or more. If you’ve already caused a car accident, insurers will view you as more likely to have another accident. Insurance companies will charge higher rates to offset the added risk.
The table below shows how much drivers in Georgia pay each month for car insurance after an at-fault accident:
The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $114 | $236 |
| Mile Auto | $122 | $189 |
| Auto-Owners | $125 | $175 |
| State Farm | $135 | $189 |
| COUNTRY Financial | $139 | $195 |
| Allstate | $148 | $208 |
| USAA | $159 | $223 |
| Root | $208 | $311 |
| GAINSCO | $217 | $419 |
| Mercury | $219 | $347 |
| Bristol West | $233 | $438 |
| GEICO | $233 | $312 |
| Direct Auto | $236 | $379 |
| AssuranceAmerica | $255 | $408 |
| National General | $269 | $372 |
| Clearcover | $289 | $405 |
| The General | $291 | $479 |
| Infinity | $294 | $542 |
| Safeco | $298 | $375 |
| Nationwide | $330 | $462 |
| Liberty Mutual | $524 | $572 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Georgia with a DUI
A DUI conviction will cause the steepest increases to your auto insurance policy because of how serious and dangerous driving under the influence can be. Your annual insurance premiums can go up by hundreds of dollars after a DUI.
Below, you can compare average monthly rates for drivers with a DUI in Georgia:
The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $101 | $210 |
| Mile Auto | $120 | $187 |
| Auto-Owners | $127 | $178 |
| State Farm | $136 | $191 |
| COUNTRY Financial | $138 | $192 |
| Allstate | $148 | $208 |
| USAA | $159 | $223 |
| Mercury | $205 | $325 |
| Root | $207 | $309 |
| GAINSCO | $223 | $430 |
| Direct Auto | $228 | $367 |
| GEICO | $233 | $313 |
| Bristol West | $234 | $439 |
| Clearcover | $260 | $365 |
| National General | $268 | $371 |
| AssuranceAmerica | $275 | $439 |
| The General | $279 | $459 |
| Infinity | $302 | $557 |
| Safeco | $305 | $383 |
| Nationwide | $328 | $459 |
| Liberty Mutual | $522 | $570 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest auto insurance in Georgia with a speeding ticket
Speeding makes it harder to react to traffic changes, so you’re more likely to have an accident when going above the speed limit. And higher speeds make severe injuries and death more likely. Because of the increased risk of expensive claims that speeding drivers pose for insurers, people with speeding tickets on their records typically pay higher insurance premiums.[4]
Here are the monthly average rates for drivers in Georgia with speeding tickets on their records:
The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $105 | $217 |
| Mile Auto | $109 | $169 |
| Auto-Owners | $122 | $170 |
| State Farm | $128 | $179 |
| COUNTRY Financial | $137 | $191 |
| Allstate | $141 | $199 |
| USAA | $151 | $212 |
| GAINSCO | $201 | $387 |
| Mercury | $205 | $325 |
| Root | $209 | $312 |
| Direct Auto | $215 | $346 |
| Bristol West | $220 | $413 |
| GEICO | $235 | $316 |
| AssuranceAmerica | $244 | $390 |
| National General | $251 | $347 |
| Clearcover | $256 | $359 |
| Safeco | $276 | $346 |
| The General | $277 | $457 |
| Infinity | $282 | $520 |
| Nationwide | $314 | $439 |
| Liberty Mutual | $493 | $538 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to find cheaper car insurance for high-risk drivers in Georgia
Don’t feel discouraged if you fall into the high-risk driver category. You can still find more affordable car insurance in Georgia.
These tips can help you lower your Georgia car insurance costs:
Increase your deductible
Setting a higher deductible will typically result in lower car insurance premiums. Just make sure you can afford the higher out-of-pocket costs in the event of damage or loss.
Enroll in usage-based insurance (UBI) policies
UBI policies use mobile apps or plug-in devices to monitor how you use your vehicle and your driving habits. If you make a conscious effort to drive safely and follow traffic laws (and limit how often you drive), you could decrease your insurance premiums.
Seek out discounts
Discounts vary by insurance company, but you could save money in a number of ways. Many companies offer savings for bundling multiple insurance products, paying your premiums up front, taking a safe driving course, maintaining good grades, or driving fewer miles.
Work with an independent broker
Rather than working exclusively for one company, an independent broker sells coverage from multiple insurers. If you find a broker specializing in high-risk drivers, they may be able to help you find more affordable policies by requesting car insurance quotes from leading issuers.
Compare quotes
You can use comparison sites to compare quotes from multiple car insurance companies at once.
How to improve your driving record in Georgia
Improving your driving record as a high-risk driver can help you qualify for lower car insurance rates. While improving your record can take time, these steps can help you during the process:
Get legal help. In some cases, a lawyer may be able to help you navigate the court system and negotiate reduced charges to decrease the effect on your driving record. You can search for an attorney specializing in traffic law.
Use telematics programs. UBI policies do more than help you reduce your car insurance rates. Telematics programs also track your driving habits and provide tips on how to improve your driving. Using these apps or devices and checking your progress can make you more aware of your driving and encourage you to drive safely (and avoid future issues).
Take a safe driving course. In some cases, you can lower the number of points on your driving record by taking an approved safe driving course. As an added bonus, some insurers will also give you a discount, and these courses can help you avoid accidents in the future.
Pay down debt. Insurance companies in Georgia can consider your credit history during the underwriting process, so a poor credit history can result in increased car insurance rates. Paying down debt and ensuring you make all your payments on time can help you boost your credit and save money on coverage.
Georgia high-risk drivers insurance FAQs
The following information can help you find the best high-risk car insurance in Georgia for your coverage needs.
What is the best car insurance for high-risk drivers?
No one insurer is best for everyone. But Auto-Owners, State Farm, COUNTRY Financial, and Allstate are a few of the best insurance companies for high-risk drivers in Georgia. The best insurer for you will ultimately depend on your coverage needs, budget, and more.
How do auto insurance companies calculate risk in Georgia?
Georgia insurance companies consider risk factors like your driving record, credit history, coverage limits, location, age, and the make and model of your vehicle. If you have a history of at-fault accidents, DUI convictions, or speeding tickets, you’ll likely pay higher auto insurance rates than a driver with a clean record.
What is the cheapest insurance company for Georgia high-risk drivers?
State Farm and COUNTRY Financial are two of the cheapest companies for high-risk drivers in Georgia. But average auto insurance rates vary depending on the number, type, and severity of traffic infractions on your record.
How much does high-risk auto insurance cost in Georgia?
Georgia drivers with a past incident on their record pay $194 per month for liability coverage and $300 per month for full coverage. But average premiums vary depending on the driving violations on your record.
Drivers with a past DUI pay an average of $196 per month for liability coverage and $303 per month for full coverage.
How long does reckless driving affect insurance in Georgia?
A reckless driving conviction can affect your car insurance premiums for several years. But the extent of the conviction’s effect on your car insurance rates will vary depending on the insurer and the severity of your driving violation.
Methodology
Insurify data scientists analyzed more than 90 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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Sources
- Georgia Department of Driver Services. "Reinstatement FAQS - No Proof of Insurance (Multiple Convictions)."
- Georgia Department of Driver Services. "Points and Points Reduction."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Highway Traffic Safety Administration. "Dangers of Speeding."
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
Featured in