Auto Insurance
BestAuto InsuranceAfter a DUI2022Getting Car Insurance After a DUI in Georgia: Everything You Need to Know
In Georgia, having your driver's license revoked or suspended because of driving under the influence (DUI) can cause your insurer to drop or cancel your policy. Otherwise, your rates may increase. A full coverage policy in Georgia costs roughly $2,816 yearly for DUI offenders versus approximately $1,567 for DUI-free drivers.
Advertising & Editorial DisclosureLast Updated: 11/17/2022
MoneyGeek named State Farm the best DUI car insurance provider for full and minimum coverage policies in Georgia. It's also the most affordable option for both full and minimum coverage. You can compare the costs of various insurance types using the table below.
BestAuto InsuranceAfter a DUI2022Best Companies for DUI Insurance in 2022
Best full coverage after a DUI - State Farm
Cheapest minimum coverage after a DUI - State Farm
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
Car insurance companies can legally refuse to insure drivers who have a DUI conviction on their record. If your insurance company decides to keep your policy after you get a DUI, your rates will increase. This is because drivers who have been charged with a DUI are deemed high-risk, which means they are more likely to file a claim.
Following a DUI conviction in Georgia, the judge will set the sentence and penalties according to the law. In terms of insurance, Georgia drivers with a DUI pay 79.69% more for a full coverage insurance policy in addition to having their driver's license suspended.
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Cheapest Car Insurance Companies in Georgia After a DUI
MoneyGeek’s research discovered that Progressive and State Farm offer the cheapest car insurance after a DUI on a national level. In Georgia, however, State Farm and Allstate are the companies that provide the most affordable premiums for DUI-convicted drivers.
Cheapest Companies for Full Coverage in Georgia After a DUI
Based on MoneyGeek's analysis, the following companies offer the cheapest full coverage car insurance rates for DUI drivers in Georgia, on average:
- State Farm: $1,545 per year
- Allstate: $1,891 per year
At $1,805 per year, USAA is Georgia's second-cheapest choice, but it's only available to military families.
Cheapest Car Insurance for Full Coverage After a DUI
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- RankCompanyAnnual Premium
- 1State Farm$1,545
- 2USAA$1,805
- 3Allstate$1,891
- 4Country Financial$2,383
- 5Mercury$2,566
Cheapest Companies for Minimum Coverage in Georgia After a DUI
According to MoneyGeek's analysis, the following companies offer the cheapest minimum-coverage plans of car insurance for DUI offenders in Georgia, on average:
- State Farm: $860 per year
- Allstate: $1,119 per year
At $923 per year, USAA has some of the lowest yearly rates. However, its plans are limited to military families.
Cheapest Car Insurance for Minimum Coverage After a DUI
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- CompanyMinimum Annual Premium
- $860
- $923
- $1,119
- $1,317
- $1,411
MONEYGEEK EXPERT TIP
When it comes to auto insurance, the cheapest option isn't always the best. Despite the fact that Georgia law only requires you to carry liability insurance and does not require you to obtain comprehensive or collision coverage, MoneyGeek recommends determining how much car insurance you need to protect yourself and your valuables.
Top Car Insurance Companies in Georgia After a DUI
MoneyGeek rated insurance companies based on pricing, financial stability and customer satisfaction to help you discover the best policy for your needs. For both full and minimum coverage, State Farm is the best car insurance for drivers with a DUI in Georgia.
Best Companies for Full Coverage in Georgia After a DUI
State Farm and Allstate are the top two providers of full coverage auto insurance for DUI offenders in Georgia. MoneyGeek’s rankings let you evaluate each insurer to learn more about their policies, rates and notable features.
1
State FarmBest full coverage after a DUI
Score:4.5
The average driver in Georgia pays around $1,414 per year for full coverage insurance with State Farm. Meanwhile, the average annual premium for DUI offenders increases costs by around 9.28% to roughly $1,545.
More About State Farm
State Farm is one of MoneyGeek’s top-rated auto insurers. The company has a great track record when it comes to customer service, financial soundness and discounts. It does, however, have an average level of satisfaction and affordability.
2
Allstate
Score:3.9
For drivers in Georgia with a clean driving record, an Allstate full coverage policy costs around $1,394 per year. DUI offenders, on the other hand, pay around $1,891 per year, which is a 35.61% increase.
More About Allstate
Allstate offers above-average customer satisfaction and complaints ratings. However, it has below-average affordability and discount ratings. For most drivers, Allstate is somewhat costly, but it is relatively inexpensive for teen drivers.
Best Companies for Minimum Coverage in Georgia After a DUI
While minimum coverage is the most affordable option, it may not be sufficient for everyone's needs. MoneyGeek reviewed a number of auto insurance providers in Georgia that offer minimum coverage policies and compiled a list of our favorites in the table below.
1
State FarmBest minimum coverage after a DUI
Score:4
A State Farm minimum coverage policy costs roughly $780 each year without a DUI. DUI offenders, on the other hand, pay around $860 per year, which is a 9.28% increase.
More About State Farm
For our sample driver who wants minimum coverage, State Farm is a good option. State Farm is a top-rated auto insurer, according to MoneyGeek’s research. State Farm is an affordable alternative for most drivers, despite the lack of additional distinctive coverages.
2
Allstate
Score:4
A minimum coverage policy with Allstate can cost roughly $841 per year for drivers with a clean driving record. Those with a DUI, on the other hand, pay around 35.61% more, which is $1,119 per year.
More About Allstate
For most drivers, including those who buy minimum coverage, Allstate is neither inexpensive nor expensive. Allstate offers affordable auto insurance for young drivers. The insurer is available in every state.
How Much Does Car Insurance Cost in Georgia After a DUI?
After a DUI, the average cost of car insurance in Georgia can rise by 79.69%. With a DUI conviction, the average annual cost of a full coverage policy is $2,816. Drivers in Georgia with offenses only spend about $1,567 for the same coverage.
After you receive a DUI in Georgia, MoneyGeek explains how and why your auto insurance premiums may vary.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$1,567
Average Cost with DUI
Full Coverage
$2,816Full coverage policy premiums after a DUI cost::$1,249 more
This is 80% more expensive.
Since you're deemed a risky driver after a DUI, the cost of your Georgia auto insurance goes up. To receive a more personalized estimate of how your rates may vary after a DUI, use MoneyGeek's auto insurance calculator below.
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MONEYGEEK EXPERT TIP
The cost of increased auto insurance isn't the only additional expense you'll face as a result of a DUI. Other DUI-related costs can quickly add up dollars, including:
- Fines, court and attorney fees: Additional fines of up to three times may be imposed. You'll need a DUI lawyer to post bail or fight a charge that you believe is unjust.
- Towing/impound fee: The authorities will have your car towed and seized because you won't be able to drive if you're arrested.
- Drug education and treatment: An alcohol or drug education requirement might include an eight-hour online course or months of group and classroom counseling.
- DMV reinstatement fee: You'll have to pay a charge to have your license reinstated after it's been suspended.
Getting Car Insurance in Georgia After a DUI
Some car insurers refuse to cover drivers who have been convicted of a DUI. Insurance companies are private businesses that have the legal right to terminate or refuse to renew policies for DUI offenders since.
Since the look-back period in Georgia is ten years, it can be particularly difficult to obtain insurance. However, you can still shop around, compare quotes and choose the best possible insurance company. For the same driver, car insurance quotes in Georgia might vary by as much as $1,292 per year depending on the company. As a result, it is advisable to compare rates from multiple insurers while shopping for auto insurance.
MONEYGEEK EXPERT TIP
SR-22 insurance in Georgia is required for drivers who have committed a significant traffic violation. This demonstrates to the state that the driver's liability insurance fulfills the state's minimum criteria. To be clear, SR-22 coverage isn't the same as car insurance.
Georgia DUI Laws
DUI and DUI "per se" are the two ways a driver might be in violation of Georgia's DUI laws. Georgia courts can impose criminal penalties, including fines, jail time and community service, as potential DUI consequences. After being convicted of DUI, a judge will determine your sentence and impose a fine within the guidelines of the law.
Driving with a BAC at or above 0.08% is considered a DUI
The amount of alcohol in a person's bloodstream is called blood alcohol content (BAC). In Georgia, even if your BAC is less than 0.08%, you might be found guilty of DUI.
Driving with a BAC of 0.15% will result in increased penalties
When the offender's BAC is less than 0.15%, the court will not accept a nolo contendere plea, which is a powerful tool for those charged with misdemeanor traffic violations in Georgia.
One-year administrative license suspension on first offense
An administrative license suspension will be in effect for 12 months if it is the first conviction in five years. If all of the conditions are met at the end of the 120-day period, the driver can apply for reinstatement.
Limited driving privileges during suspension
During the suspension term, a limited driving permit may be offered for a fee in some cases. You can only drive in certain places and for certain purposes if you have permission.
Ignition interlocks are mandatory for repeat convictions
According to Georgia law, individuals who are convicted of a second or subsequent DUI crime within five years of a previous conviction must install an ignition interlock device on their car.
Open container laws
"Open container" refers to violations of Georgia law prohibiting the consumption and possession of any alcoholic beverage or open alcoholic beverage container in the passenger compartment of a vehicle traveling on a public highway's roadway or shoulder.
Repeat offender laws
Georgia does have repeat offender laws that increase the penalties for subsequent DUIs within a certain time period.
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Frequently Asked Questions
After a DUI conviction in Georgia, finding the best auto insurance might be challenging. To help you, MoneyGeek has provided answers to some frequently asked questions.
Methodology
To determine the top companies for individuals with DUIs in Georgia, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
sources
- FindLaw. "Georgia DUI Laws." Accessed April 25, 2022.
- Georgia Department of Driver Services. "Reinstatement FAQs - Driving Under The Influence (DUI) (First Offense) Drivers Age 21 And Over." Accessed April 25, 2022.
- Georgia Department of Driver Services. "Suspensions and Revocations." Accessed April 25, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 25, 2022.
- Lawson & Berry. "Nolo Contendere Plea in Georgia." Accessed April 25, 2022.
- Lawson. "Open Container in Atlanta, Georgia." Accessed April 25, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 25, 2022.
- Nolo. "Georgia Drunk Driving Laws and Penalties." Accessed April 25, 2022.
- Responsibility.org. "National Drunk Driving Statistics Map - Responsibility.org." Accessed April 25, 2022.
- Weintraub & Alper Legal. "What is an Ignition Interlock Device?." Accessed April 25, 2022.