DUI Car Insurance in Georgia (2025)
Drivers in Georgia with a DUI pay an average of $247 per month for car insurance.
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Georgia drivers with a past DUI pay $194 per month for liability-only insurance. A DUI typically increases auto insurance rates by a significant amount. For comparison, drivers in Georgia with a clean record pay $159 per month.
Some car insurance companies may offer more generous rates to drivers with a DUI. The cheapest liability coverage option for Georgia drivers with a past DUI starts at $91 per month.
Here’s what you need to know about finding an affordable policy in Georgia after a DUI conviction.
Quick Facts
The average cost of full-coverage insurance for Georgia drivers with a past DUI is $300 per month.
A DUI remains on your criminal record permanently in Georgia and may affect your car insurance premiums for up to 10 years, depending on your insurance company.
A DUI conviction in Georgia may result in fines, penalties, license suspension, and participation in a required risk-reduction program.
Cheapest car insurance quotes after a DUI in Georgia
Hugo offers the cheapest car insurance for drivers with a DUI in Georgia, with an average premium of just $91 per month for liability-only insurance.
Below, you can compare average monthly liability insurance quotes for Georgia drivers with a past DUI conviction from different insurance companies.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Hugo | $91 |
| Progressive | $106 |
| Mile Auto | $122 |
| Auto-Owners | $125 |
| State Farm | $135 |
| COUNTRY Financial | $136 |
| Allstate | $147 |
| USAA | $156 |
| Root | $202 |
| Mercury | $204 |
| GAINSCO | $223 |
| Direct Auto | $229 |
| Bristol West | $230 |
| GEICO | $238 |
| Clearcover | $261 |
| National General | $268 |
| AssuranceAmerica | $277 |
| The General | $281 |
| Safeco | $297 |
| Infinity | $307 |
| Nationwide | $323 |
| Liberty Mutual | $531 |
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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Liability quotes start at $91 per month for drivers with a DUI
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How a DUI affects car insurance rates in Georgia
Having a DUI on your record will increase your car insurance premium. This conviction indicates a significant amount of risk to the insurance company. The chart below shows the average liability insurance rates for drivers in Georgia with and without a DUI conviction.
With DUI | Without DUI | |
|---|---|---|
| Average driver | $194 | $159 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get car insurance with a DUI in Georgia
Your insurance company has the legal right to cancel your policy after notifying you if you receive a conviction for driving under the influence.[?] Even if your insurance company continues your coverage, it’ll likely increase your rates.
Here’s how to shop for an auto insurance policy after a DUI:
DUI laws in Georgia
A DUI in Georgia is a serious offense that can have lasting effects. A DUI conviction stays on your criminal record permanently. That said, the state of Georgia has a look-back period of 10 years for the purpose of criminal sentencing and five years for the purpose of license suspension. These laws affect when a second DUI offense may trigger additional penalties.
Some car insurance companies may have a shorter look-back period for determining your rates, though. Your DUI could have an effect on your car insurance rates for between three and 10 years, depending on the insurance company. That’s one reason why it’s important to shop around before your renewal.
The chart below shows some of the fines and penalties you may face after a DUI conviction in Georgia.[?]
Penalty Type | First Offense | Second Offense Within 5 Years of First Offense | Third Offense Within 5 years of Second Offense |
|---|---|---|---|
| Jail time | Up to 1 year | Minimum of 48 hours, but up to 1 year | Minimum of 15 days |
| Fines | At least $300, but up to $1,000 | At least $600, but up to $1,000 | Minimum of $1,000, but up to $5,000 |
| Community service | Minimum of 40 hours | Minimum of 30 days | Minimum of 30 days |
| License suspension/revocation | Suspended up to 1 year | Suspended up to 3 years | Revoked for 5 years |
| License reinstatement requirement | Certificate of completion from a DDS-approved risk-reduction program | Mandatory clinical evaluation and possible admission to substance abuse treatment program | Mandatory clinical evaluation and possible admission to substance abuse treatment program |
| License reinstatement fee | $210 | $210 | $210 |
| Additional penalties | SR-22 certificate | SR-22 certificate, ignition interlock device, and license plate seizure | Ignition interlock device, license plate seizure, and name and photo published in newspaper |
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Minimum car insurance requirements in Georgia
All Georgia drivers must carry the following liability car insurance coverages:[?]
Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000 per accident
Your insurer may also include uninsured/underinsured motorist coverage with your policy, but it’s not mandatory. If you don’t want uninsured/underinsured motorist coverage, you’ll need to decline it in writing.
DUI car insurance in Georgia FAQs
If you’re shopping for Georgia car insurance after a DUI, the following information can help answer your remaining questions.
What is the cheapest car insurance company in Georgia after a DUI?
The cheapest car insurance company in Georgia for drivers with a DUI is Hugo, with an average monthly premium of $91 for liability coverage. The best company for you will depend on your age, past claims history, and more.
How long will a DUI affect your car insurance premium?
A DUI may affect your car insurance premium for up to 10 years, but the look-back period varies depending on the insurance company you choose. Some auto insurers only consider infractions that occurred in the past three or five years when determining your premium.
How much is DUI insurance in Georgia?
The average premium for DUI insurance in Georgia is $194 per month for liability coverage and $300 for full-coverage insurance, according to Insurify data. Ultimately, how much you pay for car insurance after a DUI will depend on the insurance company you choose and factors like your age and accident history.
Do you have to tell your insurance company you got a DUI?
Though it’s illegal to lie to your insurance company in Georgia, state law doesn’t require you to disclose your DUI if your insurance company doesn’t ask. But it’s always a good idea to inform your insurance company. If you don’t disclose your DUI, your insurance company could deny future claims or cancel your coverage if it discovers your conviction.
How long does a DUI stay on your record in Georgia?
A DUI stays on your criminal record permanently in Georgia. The state has a look-back period of 10 years for the purpose of criminal sentencing and five years for license suspension.
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