In our analysis, Auto-Owners stands out as the cheapest for young drivers, drivers with a speeding ticket, and those with an accident. GEICO offers affordable options for senior drivers and those with bad credit and driving violations. Country Financial is best for drivers with a DUI and bad credit.
High-Risk Car Insurance GA
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Georgia, the most affordable companies for high-risk car insurance, offering both minimum and full coverage, are Country Financial, Auto-Owners and Allstate.
For high-risk drivers, annual car insurance rates in Georgia range from a low of $718 for state minimum coverage to a high of $5,093 for full coverage with a DUI record.
To secure the best deal on high-risk car insurance, find the coverage you need, research average costs and discounts, and compare multiple providers.
Cheapest Car Insurance for High-Risk Drivers in GA
| Auto-Owners Insurance Co | Young Drivers | $59 |
| GEICO | Senior Drivers | $46 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $41 |
| Auto-Owners Insurance Co | Drivers With an Accident | $53 |
| Country Financial | Drivers With a DUI | $69 |
| Country Financial | Drivers With Bad Credit | $61 |
| GEICO | Drivers With Bad Credit And Driving Violations | $74 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap GA High-Risk Car Insurance Providers
While our table above shows affordable companies for high-risk insurance, it doesn't cover every driver's unique profile. Below, we've provided a table to compare rates from top providers, helping you find the best fit for your needs.
Data filtered by:Results filtered by:
Select
Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
Select
Credit Score:Good
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Country Financial | $134 | $1,605 |
| Auto-Owners Insurance Co | $166 | $1,994 |
| Allstate | $184 | $2,204 |
| GEICO | $233 | $2,793 |
| State Farm | $244 | $2,927 |
How Much is High-Risk Car Insurance in GA?
Overall, high-risk car insurance costs in Georgia can range anywhere from $60 to $424, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $77 | $922 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you're a driver in Georgia, it's important to know how traffic violations might affect your car insurance costs. Major offenses, such as DUIs or reckless driving, can influence your rates for up to 10 years.
If you've committed a minor violation, you might see an impact on your insurance rates for about three to five years from the incident. The exact time frame is decided by your insurance company and its rules.
Georgia High-Risk Car Insurance: Buyer's Guide
High-risk drivers often find it hard to get affordable car insurance. This guide explains why insurers might see you as high-risk and offers tips on finding affordable options. It also covers steps to take if most insurers deny you.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in GA
In the section below, discover key tips to help you save money and find the best provider for high-risk car insurance in the Peach State.
- 1
Decide What Coverage You Need
To avoid being influenced by others, determine your necessary car insurance before comparing companies. Consider add-ons like rideshare coverage and roadside assistance. Use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Familiarize yourself with average costs and qualifications for discounts to gauge the value of offers from providers. Additionally, completing a certified defensive driving course in your state can save you up to 10% on premiums.
- 3
Consider Non-Traditional Coverage Options
Explore pay-per-mile and usage-based car insurance to reduce costs with safe driving and low mileage. For instance, Geico offers a telematics program that monitors driving habits and can save up to 30% on auto policies.
- 4
Compare Multiple Providers
Evaluate at least three insurers to understand market offerings. Utilize different comparison methods like brokers and online platforms, ensuring consistent comparisons for an accurate view of insurance providers' proposals.
What To Do if You Get Denied Coverage in Georgia
Car insurance is a choice for companies, so they might not offer you a policy if they think it's too risky. But don't worry, there's still hope. You can apply for a plan through the Automobile Insurance Plan Service Office (AIPSO) if you're turned down.
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:00 a.m.–4:00 p.m. CT
southeast@aipso.com
Phone
(800) 301-6477
Fax
(800) 677-7247
Mailing Address
P O Box 6530
Providence, RI 02940-6530
Car Insurance for High-Risk Drivers in GA: Bottom Line
Our research shows the three cheapest companies for high-risk insurance in Georgia are Country Financial, Auto-Owners Insurance Co, and Allstate. While we found this to be the case, we recommend you do your own research and compare costs to find the best deal. Even if you are denied coverage, programs are available to help you get affordable insurance.
GA Car Insurance for High-Risk Drivers: FAQ
Below, we answer common questions about high-risk car insurance in Georgia.
What is the cheapest high-risk car insurance provider in Georgia?
Auto-Owners offers the cheapest high-risk car insurance in Georgia. The lowest rate is $41 for monthly high-risk coverage.
What do I do if I get denied for coverage?
If denied coverage due to high risk, reach out to the Automobile Insurance Plan Service Office for accessible coverage options.
How much more expensive is high-risk car insurance in Georgia?
High-risk car insurance in Georgia for adults between 30 and 50 can be up to 175% more expensive than minimum coverage for those with a clean record.
How We Chose The Cheapest High-Risk Car Insurance in Georgia
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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.