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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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 $246.
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 $159 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.[?]
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.[?]
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.[?]
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
COUNTRY Financial: Best for discounts
Allstate: Best for SR-22 requirements
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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $122 | $239 |
| Auto-Owners | $124 | $174 |
| Mile Auto | $125 | $193 |
| State Farm | $134 | $186 |
| COUNTRY Financial | $139 | $195 |
| Allstate | $147 | $206 |
| USAA | $157 | $221 |
| Root | $204 | $307 |
| GAINSCO | $218 | $421 |
| Mercury | $220 | $332 |
| Bristol West | $230 | $434 |
| Direct Auto | $237 | $382 |
| GEICO | $238 | $320 |
| National General | $269 | $376 |
| AssuranceAmerica | $281 | $451 |
| Clearcover | $293 | $410 |
| The General | $294 | $484 |
| Safeco | $295 | $364 |
| Infinity | $301 | $544 |
| Nationwide | $326 | $457 |
| Liberty Mutual | $538 | $583 |
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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $106 | $208 |
| Mile Auto | $122 | $190 |
| Auto-Owners | $125 | $175 |
| State Farm | $135 | $187 |
| COUNTRY Financial | $136 | $190 |
| Allstate | $147 | $204 |
| USAA | $156 | $219 |
| Root | $202 | $305 |
| Mercury | $204 | $308 |
| GAINSCO | $223 | $430 |
| Direct Auto | $229 | $369 |
| Bristol West | $230 | $434 |
| GEICO | $238 | $321 |
| Clearcover | $261 | $366 |
| National General | $268 | $374 |
| AssuranceAmerica | $277 | $445 |
| The General | $281 | $463 |
| Safeco | $297 | $366 |
| Infinity | $307 | $554 |
| Nationwide | $323 | $452 |
| Liberty Mutual | $531 | $576 |
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.[?]
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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Progressive | $110 | $217 |
| Mile Auto | $111 | $171 |
| Auto-Owners | $120 | $168 |
| State Farm | $126 | $175 |
| COUNTRY Financial | $137 | $191 |
| Allstate | $140 | $196 |
| USAA | $149 | $209 |
| GAINSCO | $200 | $385 |
| Root | $202 | $305 |
| Mercury | $203 | $307 |
| Direct Auto | $215 | $346 |
| Bristol West | $215 | $406 |
| GEICO | $238 | $320 |
| AssuranceAmerica | $245 | $393 |
| National General | $249 | $348 |
| Clearcover | $256 | $359 |
| Safeco | $272 | $335 |
| Infinity | $276 | $499 |
| The General | $279 | $459 |
| Nationwide | $309 | $432 |
| Liberty Mutual | $501 | $543 |
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:
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 $194 per month for liability coverage and $300 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.
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