Cheap Car Insurance in Georgia After a Speeding Ticket
Auto-Owners is the cheapest car insurance company for Georgia drivers with a speeding ticket, averaging $95 per month for liability coverage.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byCarley Clark
)
Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
)
Edited byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
){kind=small}
)
Reviewed byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
More than 4% of Georgia drivers have at least one ticket on their record, according to Insurify data, and a speeding ticket will increase your rates. In fact, the average cost of car insurance increases by about 26% after a ticket.
Beyond higher car insurance costs, drivers going 75 mph or more on a two-lane road or 85 mph anywhere in the state face an additional $200 Super Speeder fee and potential license suspension.[1]
Auto-Owners, State Farm, and Country Financial offer the most competitive rates for Georgia drivers after a speeding violation. Here’s how much your rate could rise and how to lower your car insurance premiums after a ticket in Georgia.
Quick Facts
A speeding ticket raises Georgia liability coverage costs to $197 per month, on average, and full-coverage costs to $328 per month.
Georgia drivers with a ticket pay $263 monthly on average, compared to $209 for people with a clean driving record.
Speeding less than 15 mph above the limit carries no points under Georgia law.
Cheapest car insurance after a speeding ticket in Georgia
Although a speeding ticket can raise your rates, comparison shopping can help you find the best car insurance and lower your premiums. Getting a speeding ticket can classify you as high-risk, but every insurer weighs speeding tickets differently, so rates can vary significantly between them.
For example, full coverage from Allstate averages $202 per month with a ticket, while the same coverage from State Farm costs $181 per month.
The table below compares average monthly quotes in Georgia for drivers with a speeding ticket.
The below rates in Georgia are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company  | Average Full-Coverage Quote: With Clean Record | Average Full-Coverage Quote: With Speeding Ticket |
|---|---|---|
| Auto-Owners | $133 | $174 |
| State Farm | $142 | $181 |
| Mile Auto | $154 | $188 |
| Country Financial | $144 | $196 |
| Allstate | $155 | $202 |
| USAA | $166 | $215 |
| Progressive | $220 | $277 |
| Mercury | $211 | $293 |
| Root | $224 | $299 |
| Safeco | $237 | $312 |
| Direct Auto | $270 | $340 |
| National General | $274 | $343 |
| AssuranceAmerica | $275 | $351 |
| Clearcover | $277 | $354 |
| GEICO | $278 | $365 |
| Bristol West | $292 | $369 |
| GAINSCO | $315 | $378 |
| Mendota | $336 | $423 |
| Trexis One | $341 | $429 |
| Nationwide | $343 | $446 |
| Trexis | $372 | $468 |
| The General | $350 | $470 |
| First Acceptance | $375 | $472 |
| Liberty Mutual | $381 | $487 |
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.
Insurers use rating models, or formulas, to determine how risky someone is to insure. A speeding ticket increases that riskiness, but since companies use different rating models, the cheapest insurer for one driver may not be the best option for another. Georgia’s Office of the Commissioner of Insurance (OCI) recommends requesting a free quote from multiple car insurance companies before committing to a policy.[2]
Find Cheap Car Insurance in Georgia
Monthly rates start at $95 for drivers with a ticket
Excellent
4.7 out of 5 based on 14,563 reviews
Secure. Free. Easy-to-use.
How much does a speeding ticket increase insurance in Georgia?
Georgia drivers see about a 26% increase in auto insurance premiums after a speeding ticket, according to Insurify data. That’s $66 more per month for full coverage and $40 more for state-minimum coverage.
How much your rate actually increases depends on your insurer’s rating model, your previous driving record, and the severity of the infraction. More serious traffic violations, like reckless driving, tend to carry heavier penalties than a standard speeding ticket.[3]
For example, if you get classified as a “super speeder” in Georgia, it’ll have a bigger effect on your rates than a smaller speeding ticket.
Driver Profile | Average Monthly Rate: Full Coverage | Average Monthly Rate: Liability Only |
|---|---|---|
| Clean record | $256 | $155 |
| Speeding ticket | $322 | $195 |
| Difference | $66 | $40 |
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Not all insurers penalize equally for speeding tickets. Some even offer accident forgiveness coverage that protects you from premium increases after your first at-fault accident. This shows how shopping around may help keep your premiums lower after an incident.
Georgia DMV laws and how speeding tickets affect car insurance
When determining your premium, insurers review your motor vehicle record to assess your driving history, including traffic tickets. A speeding ticket in Georgia indicates riskier driving, which increases your car insurance rates.
Under the Georgia Department of Driver Services (DDS) point system, accumulating 15 points within 24 months triggers a driver’s license suspension. Driving 15 to 18 mph above the speed limit adds two points, while speeding 34 mph or more adds six points. Improper passing carries four points, unlawfully passing a school bus adds six, and running a red light adds three.[4]
Driving under the influence (DUI) carries separate consequences under Georgia traffic laws — including a 12-month license suspension for your first offense — and has higher insurance rate increases than a standard speeding ticket. Drivers in metro areas like Atlanta pay higher base premiums, so points on your license may hit harder there than in small towns.
How long does a speeding ticket stay on your record in Georgia?
The state of Georgia tracks points for 24 months. While they no longer count toward a suspension after that, the conviction remains visible on your record.[5]
Most insurers look back three to five years when reviewing your driving history. That means a speeding ticket can affect your insurance coverage and premiums for several years after the points expire.
Shop for Cheap Insurance in Georgia
Save up to $1,100† per year on coverage
Excellent
4.7 out of 5 based on 14,563 reviews
Secure. Free. Easy-to-use.
How to lower your car insurance rate after a speeding ticket in Georgia
Although a speeding ticket can increase your auto insurance costs, you have ways to lower your premiums:
Compare quotes across insurers
Georgia’s OCI recommends requesting quotes from multiple car insurance companies to find the best rate. With more than1,800 licensed insurers in the state, you have plenty of insurance options after a speeding ticket.
Take a defensive driving course before your court date
Completing a Georgia DDS-certified six-hour driver improvement course before your court appearance reduces your fines by 20% with zero points assessed against your license.
Reduce existing license points
You can reduce up to seven points from your license every five years by taking a DDS-approved defensive driving course for $95.
Ask your insurer about discounts
Georgia law requires insurers to offer good student discounts. The OCI lists several other car insurance discounts to ask about, including savings for low mileage, multiple vehicles, and anti-theft devices.
Raise your deductible
Georgia’s OCI recommends a higher deductible to lower your insurance premiums. Just make sure you can cover the out-of-pocket costs if you need to file a claim.
Speeding tickets and car insurance in Georgia FAQs
The information below can help you understand how a speeding ticket affects your car insurance premiums in Georgia.
How much will your insurance go up after a speeding ticket in Georgia?
A speeding ticket in Georgia can increase costs by 26%. On average, liability insurance costs increase by $40 per month, and full coverage increases by $66 per month.
What type of tickets don’t affect insurance in Georgia?
Non-moving violations, such as parking tickets, don’t appear on Georgia’s point schedule. These types of convictions typically won’t affect your car insurance rates, though it can vary by insurer.
How do license points affect your insurance in Georgia?
Georgia’s points system assigns two to six points per moving violation, depending on severity. Insurers can see those convictions on your motor vehicle record and use your driving history to assess your risk and set your premiums.
Sources
- Georgia Department of Driver Services. "Reinstatement FAQs - Super Speeder."
- Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto."
- Georgia Department of Driver Services. "Points and Points Reduction."
- Georgia Department of Driver Services. "Points Schedule."
- Georgia Department of Driver Services. "MVR - Driving History."
Methodology
Insurify data scientists analyzed more than 190 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.
Related articles
)
DUI Car Insurance in Georgia: Costs, Laws, and Cheapest Companies
After a DUI in Georgia, drivers pay an average of $191 per month for liability-only car insurance.
)
Georgia Car Insurance With Bad Credit
Drivers with bad credit in Georgia tend to pay higher car insurance rates.
)
Car Insurance for High-Risk Drivers in Georgia
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.
)
Rideshare Insurance in Georgia
Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.
)
Best Car Insurance in Georgia
State Farm, USAA, and Auto-Owners are some of the best car insurance companies for Georgia drivers.
)
Cheapest Car Insurance for Low-Income Drivers in Georgia
Auto-Owners has the cheapest liability car insurance in Georgia, with an average rate of $73 per month.
)
Best Car Insurance for College Students in Georgia
COUNTRY Financial, State Farm, and USAA offer the best car insurance for Georgia college students and their parents.
)
Cheap SR-22 Insurance in Georgia From $88
The average rate for SR-22 insurance in Georgia is $116 per month for liability coverage.
)
Average Car Insurance Cost in Georgia
Drivers in Georgia pay an average of $209 per month for car insurance.
)
Car Insurance Requirements in Georgia
You must meet the 25/50/25 minimum car insurance requirements to drive in Georgia.
Temporary Car Insurance in Georgia: What Your Short-Term Options Really Are
Georgia drivers can find flexible car insurance from companies that specialize in short-term coverage, or shop for standard insurance and cancel anytime. Insurify Car offers policies with low up-front weekly costs.
)
How to Get a Driver’s License in Georgia
Teenagers must go through a graduated licensing program to get their full license. And people moving to the Peach State need to meet requirements to transfer their licenses.
)
Uninsured Motorist Coverage in Georgia: What to Know
Uninsured motorist coverage is an optional policy add-on in Georgia that covers damages if a driver without insurance hits you.
Cheapest Car Insurance Quotes in Georgia
Auto-Owners has the cheapest liability-only car insurance in Georgia, with an average monthly quote of $73. Auto-Owners offers the cheapest average rates for full coverage, at $133. See real-time quotes for Georgia and buy your policy online in minutes.
)
Cheapest Auto Insurance in Albany, Georgia
Auto-Owners offers the cheapest car insurance in Albany, with liability rates starting at $67 per month.
)
Cheapest Auto Insurance in Lawrenceville, Georgia
Auto-Owners offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $88 per month.
)
Cheapest Auto Insurance in Valdosta, Georgia
Valdosta drivers can find quotes for liability-only car insurance as low as $52 from Auto-Owners.
)
Cheapest Auto Insurance in Dalton, Georgia
Auto-Owners is the cheapest insurance company in Dalton, with liability-only rates of $51 per month.
)
Cheapest Auto Insurance in Woodstock, Georgia
The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $73 per month.
)
Cheapest Auto Insurance in Alpharetta, Georgia
Auto-Owners offers the cheapest car insurance in Alpharetta, with minimum-coverage policies as low as $74 per month.
)
Cheapest Auto Insurance in Athens, Georgia
Auto-Owners offers the cheapest car insurance in Athens, with minimum-coverage policies as low as $62 per month.
Cheapest Auto Insurance in Dallas, Georgia
Auto-Owners offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $82 per month.
Cheap Car Insurance Quotes in Augusta, Georgia (May 2026)
Auto-Owners offers the cheapest car insurance in Augusta, with an average liability rate of $68 per month. Many roads, including Greene Street, Walton Way, and Wheeler Road, often become congested, resulting in traffic that most Augusta drivers consider unacceptable.
Cheapest Car Insurance Quotes in Lawrenceville, Georgia (May 2026)
Drivers looking for cheap Lawrence car insurance are most likely to find it from Auto-Owners, with an average monthly liability rate of $88. Traffic congestion along commuter routes such as state Route 29 and U.S. Route 316 is a key factor influencing Lawrenceville insurance rates.
)
Cheapest Auto Insurance Quotes in Warner Robins, GA
Auto-Owners is the cheapest liability auto insurance company in Warner Robins.
Cheap Car Insurance Quotes in Decatur, Georgia (May 2026)
Auto-Owners is the cheapest insurer in Decatur, with an average liability rate of $115 per month. Drivers in Decatur likely pay higher rates due to the city’s high vehicle theft rate.
Cheapest Car Insurance Quotes in Atlanta (May 2026)
Auto-Owners is the cheapest auto insurance in Atlanta, with liability car insurance at an average cost of $100 per month. Atlanta experiences a high rate of vehicle thefts, ranking No. 12 in the nation by volume, which may affect auto insurance pricing for drivers in the state capital.
Cheapest Car Insurance Quotes in Savannah, Georgia (May 2026)
The cheapest insurer in Savannah is Auto-Owners, with liability-only rates averaging $80 per month. Savannah’s coastal hurricane exposure affects car insurance rates in the city.
Cheap Car Insurance Quotes in Macon, Georgia (May 2026)
Auto-Owners offers the cheapest car insurance in Macon, with an average monthly rate of $84 for liability coverage. Heavy traffic and a high fatal crash rate increase insurance costs for drivers.
)
Cheap Car Insurance Quotes in Marietta, Georgia (May 2026)
Marietta drivers can find the cheapest insurance coverage with Auto-Owners, with liability rates averaging $82 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 (May 2026)
Auto-Owners offers Columbus drivers the cheapest car insurance rates, with liability policies averaging $66 per month. The city’s limited traffic and relatively low vehicle theft rates likely contribute to the below-average auto insurance costs.
)
Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in