Car Insurance for High-Risk Drivers in Georgia (2024)

Auto-Owners Insurance offers the cheapest rates for high-risk drivers in Georgia.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Shawn Powers
Reviewed byShawn Powers
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Shawn PowersVP of Insurance Sales at Insurify
  • 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.

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Updated May 8, 2023 at 12:00 PM PDT

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Insurance companies will likely consider you a high-risk driver if you have a speeding ticket, accident, or DUI on your driving record. Your insurer will probably view you as more likely to file a claim, and you’ll almost always pay more for car insurance than a driver with a clean record.

Depending on your level of risk, some insurers may even refuse to provide you coverage. Fortunately, you can still find the insurance coverage you need with the right steps. This article explores which insurers provide the best coverage for high-risk drivers in Georgia, as well as ways to improve your driving record.

Quick Facts
  • Insurers will consider you high risk if you have speeding tickets, accidents, or DUIs.

  • High-risk drivers pay more for car insurance than drivers with clean records.

  • High-risk Georgia drivers can still find affordable auto insurance.

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Factors that determine high-risk status in Georgia

Your driving record plays a significant role in how much you pay for car insurance. If your driving record is less than ideal, your insurance company might view you as a high-risk driver.

“Insurance companies use data from previous policyholders to determine the risk that you will file a claim,” explains Jesse Cunningham, an independent, licensed insurance agent and owner of online insurance platform Bauple. Some factors that determine high-risk driving status include:

  • Traffic violations and tickets: Most insurers will consider you a high-risk driver if you have multiple traffic violations or tickets in the last three to five years.

  • Accidents and claims: If you’ve been involved in more than one at-fault accident, you’ll likely be considered a high-risk driver.[1]

  • Credit score and financial history: A low credit score and shaky financial history may also result in you being labeled a high-risk driver.[1] But Georgia law prohibits insurance companies from using credit information as the only factor in setting insurance rates, so your credit score holds less weight than in some other states.[2]

  • Age and driving experience: Drivers without much experience, like teenagers, are also often seen as high-risk drivers and may have a difficult time securing affordable coverage.[1]

  • Vehicle type and usage: If you drive a car that’s expensive to repair or replace, your insurer may consider you high risk, as even one collision could result in an expensive claim.[3]

  • History of DUIs: If you have a history of DUIs, you’ll almost certainly pay more for car insurance and may even be denied coverage.[1]

  • Lapses in coverage: Georgia drivers are legally required to carry the state-minimum liability insurance.[4] If you’ve had any lapses in coverage, your insurer may consider you a high-risk driver.

Learn More: 7 Features That Can Affect Car Insurance Rates

Learn More: 7 Features That Can Affect Car Insurance Rates

Best Georgia auto insurance companies for high-risk drivers by violation

The cost of car insurance can vary dramatically depending on your driving history. But your car insurance costs will also vary depending on the insurance company you choose. Some insurers are more generous to drivers with spotty driving records than others. Below, you’ll see some of the best insurers for high-risk drivers.

Best car insurance for Georgia high-risk drivers with an at-fault accident

You can almost always expect your insurance rates to increase if you’re found at fault for an accident, but you can still find affordable rates with some insurers.[1] State Farm and Auto-Owners Insurance offer the cheapest monthly rates for drivers with a history of accidents.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageInsurify Quality (IQ) Score
USAA$192$2334.5
State Farm$164$1994.4
Travelers$206$2804.3
GEICO$265$3224.3
Allstate$179$2174.1
NationwideN/A$2924.1
Auto-Owners Insurance$153$1864.1
Progressive$222$2854.1
Safeco$233$3733.8
Liberty Mutual$232$3923.8
State Auto$257$3923.8
Mercury$325$3953.6
The General$419$5713.4
Direct Auto$355$4133.2
Clearcover$345$4582.9
Bristol West$406$6012.2
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance rates for high-risk drivers in Georgia with a DUI

You can expect your car insurance rates to skyrocket if you get a DUI. Some insurers may even refuse to cover you, and the state may require you to obtain SR-22 insurance. In Georgia, State Farm and Auto-Owners Insurance offer the most affordable monthly rates for drivers with a DUI.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
USAA$267$3244.5
State Farm$229$2774.4
Travelers$287$3904.3
GEICO$368$4484.3
Allstate$249$3024.1
NationwideN/A$4064.1
Auto-Owners Insurance$213$2594.1
Progressive$308$3964.1
Safeco$324$5193.8
Liberty Mutual$322$5453.8
State Auto$358$5453.8
Mercury$452$5493.6
The General$583$7943.4
Direct Auto$494$5753.2
Clearcover$480$6372.9
Bristol West$565$8362.2
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Check Out: Georgia SR-22 Car Insurance

Check Out: Georgia SR-22 Car Insurance

Best auto insurance for Georgia high-risk drivers with speeding tickets

Speeding tickets may seem like a minor traffic violation, but even they can cause your insurance rates to go up — and especially if you get multiple tickets. State Farm and Auto-Owners Insurance both offer affordable monthly rates to drivers with speeding tickets on their record.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
USAA$180$2184.5
State Farm$154$1864.4
Travelers$193$2634.3
GEICO$248$3024.3
Allstate$168$2044.1
NationwideN/A$2734.1
Auto-Owners Insurance$143$1744.1
Progressive$208$2674.1
Safeco$218$3503.8
Liberty Mutual$217$3673.8
State Auto$241$3673.8
Mercury$304$3703.6
The General$393$5353.4
Direct Auto$332$3873.2
Clearcover$323$4292.9
Bristol West$381$5632.2
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest Georgia car insurance companies for high-risk drivers with poor credit

Your credit score is another factor that can influence how much you pay for car insurance. However, Georgia prohibits insurance companies from using credit history as the sole factor in determining insurance rates.[2] While the quality of your credit score will affect your rates, it won’t have as significant of an effect as it would in other states.

Auto-Owners Insurance, State Farm, and Allstate offer the cheapest rates for drivers with bad credit.  

Insurance CompanyAverage Monthly Quote
Auto-Owners Insurance$166
State Farm$178
Allstate$194
USAA$208
Travelers$223
Progressive$240
Liberty Mutual$251
Safeco$253
State Auto$279
GEICO$287
Mercury$352
Clearcover$374
Direct Auto$384
Bristol West$440
The General$454
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Keep Reading: How Long Does a DUI Stay on Your Record?

Keep Reading: How Long Does a DUI Stay on Your Record?

How to find affordable car insurance for high-risk drivers in Georgia

High-risk drivers will almost always pay more for car insurance, but you can still find affordable rates. Here are some ways to reduce how much you pay for car insurance:

  • Take advantage of discounts. Most insurance companies offer discounts on auto insurance, such as discounts for bundling your home and auto insurance, or low-mileage.[5]

  • Drive a safe vehicle. Some insurance companies will offer you a discount if your car has certain safety features, like anti-theft systems and child locks.[1]

  • Improve your credit score. Insurers consider your credit score when setting rates, so improving it may help you lower your premium.[5] Focus on paying down debt and paying your bills on time to improve your score.

  • Take a defensive driving course. You may be able to earn cheaper insurance rates by taking a defensive driving course. Look for insurers that offer this discount before enrolling in a course.[1]

  • Shop around. One of the best ways to find cheap car insurance is by comparing quotes from multiple insurers. Insurance companies often offer different rates for the same coverage, so it’s worth comparing to see which company works best for you.

Find Georgia Car Insurance for High-Risk Drivers

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How to improve your driving record and lower your car insurance rates in Georgia 

The best way to lower your insurance rates is by improving your driving record. It’s one of the most significant factors in how much you pay in premiums.

Some ways you can begin improving your driving record include:

  • Be a defensive driver and maintain good driving habits.

  • Take steps to protect your vehicle from theft, like always locking your car.[1]

  • Always have a plan for how you’re going to get home if you plan to drink.

  • Buy a vehicle with numerous safety features.[1]

  • Sign up for a telematics program that tracks your driving and rewards safe driving behavior.

Georgia high-risk drivers insurance FAQs

You can still get affordable car insurance as a high-risk driver. Here’s some additional information about how high-risk drivers can find cheap car insurance in Georgia.

  • Which driver is considered high risk in Georgia?

    Drivers with a history of at-fault accidents, speeding tickets, DUIs, and traffic violations are typically considered high risk. You may also be considered high risk if you have bad credit or lapses in insurance coverage.

    Insurers consider high-risk drivers more likely to file an insurance claim, so they charge them higher premiums for car insurance.

  • How do auto insurance companies calculate risk in Georgia?

    In Georgia, auto insurance companies calculate risk by considering your driving history, credit score, age, and numerous other factors. However, Georgia doesn’t allow insurance companies to use your credit history as the sole factor in determining insurance rates, so it affects your rates less than it would in many other states.

  • What’s the cheapest insurance company for Georgia high-risk drivers?

    Auto-Owners Insurance is the cheapest company for high-risk drivers in Georgia. The company offers the lowest average rates for drivers with a history of accidents, DUIs, speeding tickets, and poor credit.

  • How much does high-risk auto insurance cost in Georgia?

    The price of high-risk car insurance will vary drastically depending on which insurance company you choose and the types of violations you have on your driving record. Drivers with DUIs will pay more than drivers with speeding tickets, but both will pay more than drivers with clean records, for example.

  • How long does reckless driving affect insurance in Georgia?

    Reckless driving is considered a serious offense in Georgia and can stay on your driving record indefinitely and continue to negatively affect your car insurance rates.[6]

    “Reckless driving will increase car insurance rates,” Cunningham says. “Depending on your location, other violations on your driving record, and policy selections, this can increase your rates by a fraction of your existing premium or more than double your existing premiums.”

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What if I can't find auto coverage?." Accessed May 1, 2023
  2. CREDIT-BASED INSURANCE SCORES: IMPACTS ON CONSUMERS OF AUTOMOBILE INSURANCE. "A Report to Congress by the Federal Trade Commission." Accessed May 1, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed May 1, 2023
  4. GeorgiaLegalAid.org. "What should I know about car insurance?." Accessed May 1, 2023
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed May 1, 2023
  6. Justia U.S. Law. "2020 Georgia Code Title 40 - Motor Vehicles and Traffic Chapter 6 - Uniform Rules of the Road Article 15 - Serious Traffic Offenses § 40-6-390. Reckless Driving." Accessed May 1, 2023
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • 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

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