DUI Car Insurance in Georgia

For most drivers in Georgia, Country Financial offers the cheapest car insurance with a DUI, with rates of $86 per month for minimum coverage and $138 monthly for full coverage. However, State Farm, Mercury and Auto-Owners also have affordable rates for those with a DUI conviction.

*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.

While the information above covers most drivers, it doesn't represent everyone with a DUI in Georgia. We've broken down the cheapest companies for those with DUIs by coverage level, age and credit score so you can find the best rates for your profile.

*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Georgia law for most drivers.

For most drivers, car insurance with a DUI in Georgia costs around $1,527 per year for minimum coverage. Depending on your driver profile and coverage level chosen, the yearly costs can change significantly. Compared to clean drivers without a DUI, those with a driving violation can increase rates by 57% per year on average.

*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Georgia law for most drivers.

• Fines and fees. A first DUI in Georgia carries mandatory court costs plus a fine between $300 and $1,000; surcharges and assessments typically total $1,800 to $2,500. For second or aggravated offenses, fines can rise to $5,000, and habitual DUI offenders may have higher charges.
• Towing and impound Fees. If your vehicle is impounded following arrest, you’ll likely pay $50 to $200 for towing plus $10 to $25 daily storage until it’s released.
• Alcohol education and treatment. Georgia mandates completing a 20-hour Risk Reduction Program, including a needs assessment and intervention sessions, which cost approximately $360.
• DMV reinstatement fee and SR‑22. Restoring your license after a DUI involves payment of a $210 reinstatement fee, documentation of program completion and obtaining an SR‑22 filing. The SR‑22 is required for three years and can increase insurance costs by 10% to 40%.
• Attorney fees and accident costs. Hiring legal counsel for a DUI typically costs between $2,000 and $10,000. If accidents or injuries are involved, you’ll also be responsible for any property damage, medical bills, restitution and increased probationary expenses.

After a DUI in Georgia, drivers must file and maintain an SR‑22 certificate as proof of financial responsibility. The state’s minimum liability coverage required under the SR‑22 is $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Georgia mandates that the SR‑22 remain active for three years from the date of conviction; failing to maintain it may result in license suspension or revocation. 

Although Personal Injury Protection (PIP) isn’t required, many choose additional options like uninsured/underinsured motorist coverage for added protection.

In Georgia, drivers face a variety of penalties and legal requirements beyond just the SR‑22 filing and increased insurance costs.

Here are some strategies to help you find affordable car insurance in Georgia after a DUI. We’ll also explain what steps to take if you’re unable to get coverage from standard insurers.

We found the cheapest overall car insurance providers for Georgia drivers with a DUI are Country Financial, State Farm and Mercury. While this is what our research found, we still recommend that you compare rates for yourself, research costs, and decide what coverage you need beforehand, to find the best deal.

Below, we've provided MoneyGeek's expert answers to frequently asked questions about Georgia DUI insurance.

Georgia drivers with DUI convictions face dramatically higher insurance rates and limited coverage options, making it critical to find the few insurers willing to accept high-risk drivers at reasonable premiums. We built this research to show you which companies offer affordable rates and reliable service when you're working to rebuild your driving record after a DUI.

We analyzed each company's financial stability, customer satisfaction, claims handling, and affordability using data from state insurance departments and Quadrant Information Services. This approach identifies insurers that won't just quote you coverage but will actually deliver quality service when you need to file a claim.

The rates reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE, logging 12,000 miles annually. We modified this base profile to show how rates change across different ages, genders, and vehicle types, helping you understand what you'll actually pay based on your specific situation.

Georgia requires SR-22 certification after DUI convictions, adding complexity to your insurance search. Many major insurers won't accept drivers with recent DUIs, while others charge prohibitively high rates that strain household budgets. Our research identifies which companies specialize in high-risk insurance and offer the most competitive rates for Georgia drivers facing DUI-related coverage challenges, helping you maintain legal compliance while working toward lower premiums as your violation ages off your record.