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.
DUI Car Insurance in Georgia
Updated: June 26, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in Georgia is offered by Country Financial with rates starting at $86 per month.
Depending on your driver profile and coverage level chosen, monthly Georgia car insurance costs with a DUI can average $127.
After a DUI in Georgia, you must file an SR‑22 and maintain the state’s 25/50/25 liability coverage. PIP is not required since Georgia follows an at-fault insurance model.
Cheapest DUI Car Insurance in Georgia
| Country Financial | $86 | $138 |
| State Farm | $123 | $217 |
| Mercury | $127 | $225 |
| Auto-Owners Insurance Co | $113 | $246 |
| Allstate | $155 | $252 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Georgia
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.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Country Financial | $86 | $1,033 |
| Auto-Owners Insurance Co | $113 | $1,356 |
| Progressive | $119 | $1,428 |
| State Farm | $123 | $1,481 |
| Mercury | $127 | $1,530 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Georgia law for most drivers.
How Much Does DUI Car Insurance Cost in Georgia?
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.
Data filtered by:Results filtered by:
Select
Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $127 | $1,527 | $46 | $556 | 57% |
*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.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN GEORGIA?
In Georgia, a DUI conviction stays on your driving record permanently, but most insurance companies weigh it for between three and five years when calculating premiums. Insurers may continue to factor it into your rates for up to ten years, depending on their internal policies and your post-DUI driving history. You’ll also be required to maintain an SR‑22 certificate for three years, which shows insurers that you carry the state's required minimum liability coverage.
Additional Costs to Consider When Having a DUI in Georgia
While it’s widely known that insurance premiums will spike after a DUI, the full financial impact is beyond increased rates. Georgia law requires a range of expenses related to court costs, treatment programs, fees, and potential legal or collision costs.
- 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 reach maximum levels with even higher charges.
- Towing and impound Fees. If your vehicle is impounded following arrest, you’ll likely pay $50–$200 for towing plus $10–$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. Additional services like clinical evaluations or substance abuse treatment may incur extra fees.
- 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. Depending on case complexity, 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.
Georgia DUI Car Insurance Requirements
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.
Other Georgia DUI Laws to Know
In Georgia, drivers face a variety of penalties and legal requirements beyond just the SR‑22 filing and increased insurance costs.
Fines
A first DUI usually results in fines between $300 and $1,000, but with mandatory fees and assessments, the total typically reaches $1,800 to $2,500. Repeat offenses or aggravated circumstances can push fines to $5,000 or more, while DUI with a child under 14 carries enhanced charges and stiffer fines.
Imprisonment and release
First-time DUI offenders must serve at least 24 hours in jail, with potential sentences of up to 12 months. Second offenses require 72 hours to 12 months of incarceration plus 240 hours of community service, and third or subsequent DUI convictions can also result in jail time, fines, probation, clinical evaluations, and enhanced treatment orders. Third DUIs may upgrade to high and aggravated misdemeanors and are considered habitual violator offenses.
Impounding of vehicles
Police may decide to impound your vehicle at arrest. Although local fees vary, impound, towing, and storage typically cost several hundred dollars. Authorities are permitted to impound the car if no sober driver is present or if it's deemed necessary for public safety.
Suspension periods
Under Georgia’s implied-consent law, refusing a chemical test leads to an automatic one-year license suspension. A first-time DUI conviction suspends your license for 12 months, although you may apply for a limited permit after 120 days if you've completed DUI school and paid reinstatement fees. Repeat offenders face longer suspensions, often require ignition interlock devices, and may need court approval for limited driving privileges.
DUI education requirements
All DUI offenders must complete Georgia’s Alcohol or Drug Use Risk Reduction Program within 120 days, followed by a clinical evaluation. Based on this evaluation, additional substance abuse treatment may be required. First-time offenders undergo a 20-hour program, while repeat offenders must complete longer interventions and serve probation lasting at least one year.
How to Get the Best Cheap Georgia Car Insurance With a DUI
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.
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Understand your needs
A DUI in Georgia triggers higher insurance requirements, so it’s important to reassess what coverage you truly need. Consider your budget, how often you drive, and your area’s risk level. We also provide an auto insurance coverage needs calculator to help you begin.
- 2
Research costs and discounts
Knowing how much drivers in Georgia typically pay after a DUI can give you a benchmark for comparison. While DUI-specific discounts aren’t offered, bundling or completing a defensive driving course like Georgia’s $29.95 program can help reduce your premium.
- 3
Compare multiple providers
Even after a DUI, prices can vary widely between insurers. Get quotes from several providers and make sure you’re comparing the same coverage limits so you can clearly see the cost differences.
- 4
Use state high-risk car insurance programs if denied
If traditional insurers won’t cover you, Georgia participates in the Georgia Automobile Insurance Plan (GAIP), which helps high-risk drivers find coverage through AIPSO. It’s a last-resort option but ensures you’re not left uninsured.
- 5
Make lifestyle or vehicle changes
Improving your credit score can significantly lower your premium. Drivers with poor credit in Georgia can pay over $1,575 more annually after a DUI. Driving a lower-cost vehicle to insure can also bring your rate down.
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Consider non-traditional coverage types
If your mileage is low, a pay-per-mile policy might be a better fit financially. You might also benefit from usage-based insurance programs or coverage offered by automakers, which can be more affordable depending on your driving behavior.
Cheap DUI Insurance in Georgia: Bottom Line
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.
DUI Insurance in Georgia: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about Georgia DUI insurance.
Who has the cheapest car insurance for Georgia drivers with a DUI?
For those with a DUI, Country Financial offers the cheapest overall rates in Georgia for minimum and full coverage.
How much does a DUI increase rates in Georgia?
Overall a DUI can increase your rates up to 57% for minimum coverage and 64% for full coverage compared to those without a DUI.
How much does DUI car insurance in Georgia cost?
For minimum coverage with a DUI, the average rate is $127 monthly, and for full coverage it is $250.
How We Chose the Cheapest Car Insurance for Georgia's DUI Drivers
To determine the top companies for drivers with DUIs in Georgia, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AIPSO. " Georgia Automobile Insurance Plan (GAIP}." Accessed June 24, 2025.