Cheapest car insurance for drivers with an incident
An incident on your driving record can increase your insurance premiums. Whether it was an at-fault accident, speeding ticket, or DUI, your insurance company will take notice of any serious moving violation, as it can indicate that you’re at a higher risk of getting into a collision and making a claim.[6]
Cheapest car insurance for drivers with a speeding ticket: Hugo
Driving faster than the speed limit can seem like no big deal, but there’s an excellent reason why Georgia state troopers introduced Operation Slow Down in 2022: Speeding is dangerous. The National Highway Traffic Safety Administration reports that 23% of traffic fatalities in Georgia in 2020 were speeding-related.[7]
Receiving a speeding ticket is a good reminder to take it easy on the gas pedal. But your insurance premiums can rise for several years due to the increased risk of high-speed collisions. The average cost of full coverage for Georgia drivers with speeding tickets is $345 per month.
The table below shows how rates can change for drivers with clean records versus drivers with speeding tickets.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
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Hugo | $57 | $78 |
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Auto-Owners | $64 | $84 |
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State Farm | $69 | $89 |
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COUNTRY Financial | $70 | $93 |
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Allstate | $75 | $98 |
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Mile Auto | $76 | $105 |
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USAA | $80 | $104 |
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Progressive | $93 | $122 |
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Safeco | $98 | $130 |
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GEICO | $111 | $145 |
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Mercury | $115 | $161 |
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Clearcover | $121 | $159 |
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Liberty Mutual | $139 | $198 |
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Elephant | $139 | $198 |
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Direct Auto | $140 | $183 |
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AssuranceAmerica | $142 | $188 |
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GAINSCO | $155 | $221 |
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Midvale Home & Auto | $155 | $209 |
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National General | $162 | $211 |
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Nationwide | $166 | $218 |
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Infinity | $204 | $277 |
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The General | $211 | $278 |
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Bristol West | $234 | $303 |
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Foremost | $252 | $360 |
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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 car insurance for drivers with an at-fault accident: Hugo
Drivers with an at-fault accident on their record see an average rate increase of 26% in Georgia, although the specific rate increase may vary depending on the severity of the accident, your driving record, and other factors. For example, slipping on an icy road and causing a fender bender is likely to result in a lower rate increase than speeding through a red light and T-boning another car.[6]
In Georgia, the overall average cost of car insurance for drivers with an accident is $293 per month. The following table shows some of the least expensive insurance companies for drivers with an at-fault accident in the state.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
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Hugo | $57 | $76 |
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Auto-Owners | $64 | $88 |
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State Farm | $69 | $95 |
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COUNTRY Financial | $70 | $100 |
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Allstate | $75 | $104 |
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Mile Auto | $76 | $113 |
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USAA | $80 | $111 |
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Progressive | $93 | $131 |
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Safeco | $98 | $132 |
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GEICO | $111 | $154 |
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Mercury | $115 | $169 |
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Clearcover | $121 | $178 |
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Liberty Mutual | $139 | $209 |
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Elephant | $139 | $188 |
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Direct Auto | $140 | $198 |
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AssuranceAmerica | $142 | $196 |
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GAINSCO | $155 | $207 |
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Midvale Home & Auto | $155 | $227 |
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National General | $162 | $226 |
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Nationwide | $166 | $232 |
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Infinity | $204 | $278 |
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The General | $211 | $297 |
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Bristol West | $234 | $320 |
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Foremost | $252 | $379 |
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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 car insurance for drivers with a DUI: Hugo
Driving under the influence is dangerous to the intoxicated driver and all the other drivers and pedestrians on the road. The police take DUIs very seriously, as do insurance companies. Receiving a DUI could result in much higher premiums for several years or the possibility of your insurer not renewing your policy.[6] Penalties for a DUI in Georgia include driver's license and registration suspension, significant fines, and even the possibility of jail time.
On average, Georgia drivers with a DUI pay $414 per month for full coverage and $251 for liability-only insurance. But several insurance companies in Georgia provide coverage to drivers with a DUI at a more affordable price:
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
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Hugo | $57 | $86 |
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Auto-Owners | $64 | $109 |
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State Farm | $69 | $117 |
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COUNTRY Financial | $70 | $119 |
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Allstate | $75 | $128 |
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Mile Auto | $76 | $116 |
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USAA | $80 | $136 |
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Progressive | $93 | $158 |
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Safeco | $98 | $167 |
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GEICO | $111 | $189 |
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Mercury | $115 | $177 |
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Clearcover | $121 | $206 |
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Liberty Mutual | $139 | $237 |
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Elephant | $139 | $237 |
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Direct Auto | $140 | $238 |
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AssuranceAmerica | $142 | $242 |
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GAINSCO | $155 | $264 |
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Midvale Home & Auto | $155 | $264 |
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National General | $162 | $276 |
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Nationwide | $166 | $283 |
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Infinity | $204 | $347 |
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The General | $211 | $359 |
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Bristol West | $234 | $398 |
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Foremost | $252 | $429 |
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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.