Best Cheap Car Insurance Companies for High-Risk Drivers in Georgia


Updated: May 20, 2024

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Insurance companies may charge increased premiums based on your driving history, particularly if they think you are a risk to insure. You can determine which insurer offers the best value by doing some research and comparison shopping.

In Georgia, State Farm offers the best value high-risk auto insurance in terms of cost and service standards. While the company’s plan averages $1,366 per year, your unique situation may impact your actual rate.

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2024

Best Companies for High-Risk Drivers in 2023

Insurance companies consider you high-risk if you have a history of at-fault accidents, multiple fines and violations or a DUI conviction. Young, inexperienced drivers are also riskier customers to insure.

Data shows that high-risk motorists are more likely to file auto insurance claims. Consequently, insurance companies charge them higher premiums. In Georgia, high-risk drivers can expect to spend 34% more than safe drivers for auto insurance.

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WHAT EXACTLY IS A HIGH-RISK DRIVER?

A high-risk driver has a history of major driving violations, such as driving while your license is revoked or suspended, drag racing and driving under the influence (DUI). In some instances, insurance companies may consider you a risk even though you have a clean driving record. Generally, the following are considered high-risk drivers:

  • 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
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in Georgia for High-Risk Drivers

Based on MoneyGeek’s analysis, State Farm provides Georgia drivers with the cheapest high-risk car insurance options. It offers insurance to various high-risk driver profiles at an average yearly cost of $1,366.

State FarmAnnual Premium$1,366
AllstateAnnual Premium$1,596
NationwideAnnual Premium$1,944
GEICOAnnual Premium$2,187
MercuryAnnual Premium$2,225
EsuranceAnnual Premium$2,439
ProgressiveAnnual Premium$3,002
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SR-22 INSURANCE

Drivers who have committed a significant traffic violation in Georgia must carry SR-22 insurance. The convicted driver's auto insurance provider must submit this certificate. It demonstrates to the state that the driver's insurance satisfies liability coverage minimal standards.

Best Car Insurance in Georgia for High-Risk Drivers

State Farm is Georgia's best-ranked car insurance for high-risk drivers, scoring 93 out of 100. Meanwhile, with an 82 out of 100 MoneyGeek rating, Allstate is the second-best insurer in Georgia for high-risk drivers.


1
State FarmBest for High-Risk Drivers
Score:96

5/5

Affordability Rating

5/5

Satisfaction Rating

4.5/5

Claims Rating

5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

In Georgia, high-risk auto insurance from State Farm costs roughly $1,366 per year. Insurance rates for high-risk drivers are 11% higher than those with clean driving records.

More About State Farm

With a MoneyGeek rating of 93 out of 100, State Farm provides the best car insurance for high-risk drivers in Georgia. It has a strong track record for being reasonably affordable and generating satisfied customers.

State Farm offers the most popular auto insurance discounts — bundling, multiple vehicles, safe driving, anti-theft system, defensive driving and airbag discounts.

2
Allstate
Score:49

0.8/5

Affordability Rating

4.5/5

Satisfaction Rating

5/5

Claims Rating

4.5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

Allstate charges high-risk drivers in Georgia $1,596 yearly for auto insurance, which is 22% higher than its price for motorists with good records.

More About Allstate

Allstate receives high marks for user satisfaction, claims, pricing and financial stability. It offers most of the typical car insurance discounts, along with some special ones like the early signing discount and the responsible payment discount.

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MONEYGEEK EXPERT TIP

Georgia does not offer a state-funded low-income auto insurance option. To save on premiums, low-income drivers can consider selecting basic coverage or pay-per-mile insurance if they don’t travel frequently.

Cheapest Car Insurance in Georgia for Drivers With a DUI

MoneyGeek found that State Farm offers the cheapest high-risk auto insurance in Georgia for individuals with a DUI conviction at an average annual cost of $2,329. USAA is another affordable option, but only available to active-duty or former military members in the state who have had a DUI.

State FarmAnnual Premium$1,329
AllstateAnnual Premium$1,681
MercuryAnnual Premium$2,103
EsuranceAnnual Premium$2,158
NationwideAnnual Premium$2,454
ProgressiveAnnual Premium$2,523
GEICOAnnual Premium$3,788
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LOOK-BACK PERIODS

The look-back period is the amount of time a DUI stays on your driving record. The look-back period in Georgia is ten years. A driver convicted for another DUI during this timeframe will face harsher penalties.

Cheapest Car Insurance in Georgia for Teenage Drivers

State Farm provides young drivers in Georgia with the most affordable high-risk auto insurance. The company charges an average of $5,820 per year for auto insurance for teenagers. Take note that your rate will depend on your age and other variables.

State FarmAnnual Premium$5,820
AllstateAnnual Premium$6,238
NationwideAnnual Premium$6,994
GEICOAnnual Premium$7,594
ProgressiveAnnual Premium$14,861
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MONEYGEEK EXPERT TIP

Car insurance can be expensive, especially for teenagers and college students. Full coverage auto insurance is still preferable over the minimum requirement, particularly for inexperienced drivers. By shopping around and comparing quotes, you can find the most economical high-risk auto insurance for new and young drivers.

Cheapest Car Insurance in Georgia for Drivers With Bad Credit

Nationwide provides Georgia drivers with bad credit with the most affordable high-risk car insurance. On average, this company offers policies at $2,028 to customers with poor credit.

GEICOAnnual Premium653Percent Change33%
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MONEYGEEK EXPERT TIP

Even with bad credit, it is still possible to get auto insurance; however, be aware that those with poor credit can anticipate paying more for their coverage, often significantly more. Obtaining several estimates from different Georgia providers is one strategy to discover the best high-risk auto insurance for those with poor credit.

How Much Does Car Insurance Cost for High-Risk Drivers in Georgia?

Insurance companies frequently determine car insurance premiums after considering a driver's experience and background. Therefore, rates for high-risk drivers are typically higher.

For car insurance in Georgia, State Farm charges high-risk drivers premiums averaging $1,366 per year instead of $1,217 for drivers with clean records. That's a difference of over $149.

Annual Car Insurance Cost in XX for Low-Risk vs. High-Risk Drivers

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Annual Premium

Low-Risk Driver

$1,217
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Annual Premium

High-Risk Driver

$1,366
In Georgia, high-risk drivers pay:$149 more

This is 12% more expensive.

MoneyGeek’s Georgia car insurance calculator can help you figure out what you'll spend for a policy based on specific factors like age, driving record, car type and coverage level. You’ll be able to identify which factors affect your rates the most.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Can You Still Get Car Insurance in Georgia if Insurers Refuse to Insure You?

Car insurance companies can refuse to insure you if they think you're too risky. Your best option, in this case, is to acquire a residual market plan through the non-profit association Automobile Insurance Plan Service Office (AIPSO). In Georgia, AIPSO offers the Georgia Automobile Insurance Plan.

Georgia Automobile Insurance Plan

The Georgia Automobile Insurance Plan was established to offer car insurance protection to qualified individuals who are unable to purchase it on the open market. Through the Georgia Automobile Insurance Plan, any insurance agent with a current Property & Casualty license for the state of Georgia is eligible to write business.

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    Office Hours

    Monday–Friday, 8 a.m.–4 p.m. CT

    subscribe icon

    Email

    southeast@aipso.com

    smartphone icon

    Phone

    (800) 301-6477

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    Fax

    (800) 677-7247

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    Mailing Address

    Southeast Region, P.O. Box 6530, Providence, RI 02940-6530

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Frequently Asked Questions

Being a high-risk driver can make it challenging to obtain insurance. To simplify the task, MoneyGeek answered some frequently asked questions about high-risk auto insurance in Georgia.

Which car insurance company is best for high-risk drivers in Georgia?
How much does car insurance in Georgia cost for high-risk drivers?
Who do insurers classify as a high-risk driver?
Where do I get car insurance coverage in Georgia if insurers reject my application?

Methodology

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance, comprehensive and collision coverage a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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