High-Risk Car Insurance in Georgia

Georgia's assigned risk plan gives high-risk drivers rejected by standard insurers access to minimum liability coverage. The plan connects you with a participating carrier when you can't get coverage through the standard market.

Three conditions gate GAIP entry: a valid Georgia license or SR-22 eligibility, written rejection from at least two Georgia-licensed insurers within 60 days and Georgia residency or a vehicle registered in the state.

Most drivers end up here after a DUI conviction, multiple violations, a serious at-fault accident or a coverage lapse. A DUI or suspended license also triggers an SR-22 requirement, which is a financial responsibility certificate your insurer files with the state.

The Georgia Automobile Insurance Plan (GAIP) is the state's residual market for high-risk drivers rejected by standard insurers. All licensed carriers in Georgia must participate and accept drivers in proportion to their market share.

Once assigned through GAIP, you're matched with a participating insurer that must cover you at state-required minimum liability limits. Your driving history doesn't disqualify you.

GAIP rates are 60% to 90% higher than comparable voluntary market policies. A driver with a clean record might pay around $95 a month for minimum liability in the voluntary market. GAIP coverage for the same limits could cost $150 to $180. Actual rates vary by driving record and other risk factors. The higher cost reflects the risk insurers take on when covering drivers with DUIs, multiple accidents or serious violations.

The Georgia Department of Insurance regulates GAIP rates and operations. The plan keeps minimum liability coverage accessible to any Georgia driver, regardless of driving history.

For Georgia Automobile Insurance Plan (GAIP):

1. Apply with at least two standard Georgia insurers and get rejected by both.
2. Get written rejection letters from each insurer.
3. Contact a licensed agent who works with GAIP placements.
4. Submit your GAIP application through the agent with your rejection letters.
5. Provide your driver's license, vehicle details and driving record.
6. Call the Georgia Automobile Insurance Plan at (800) 301-6477 or email southeast@aipso.com with any questions.
7. Once approved, you'll be assigned to a participating insurer.

Auto-Owners has the most competitive full coverage rates for high-risk drivers in Georgia across multiple violation categories. Rates stay below the high-risk average regardless of your driving record.

For nationwide comparisons, explore our guide to affordable high-risk car insurance in the U.S.

*Rates are for full coverage (100/300/100 liability with comprehensive and collision) based on a 35-year-old male driver in Georgia with good credit and the specified violation. Click on any violation to see detailed rate comparisons from multiple insurers.

Georgia drivers with a DUI pay full coverage rates ranging from $179 per month through COUNTRY Financial to as high as $747 from other insurers. This serious violation stays on your driving record for five years in the state, during which time most insurance companies factor it into their rate calculations.

For strategies to reduce your premiums, check our car insurance after a DUI guide.

Georgia drivers with speeding tickets pay rates ranging from $111 per month through Auto-Owners to as high as $247 for full coverage from other insurers. Your actual increase depends on how much you exceeded the speed limit and whether you're a repeat offender. Speeding violations remain on your driving record for two to three years in the state.

Georgia drivers with at-fault accidents pay anywhere from $133 per month through Central to as high as $300 for full coverage from other insurers. Companies increase premiums because at-fault accidents indicate you're more likely to file future claims, especially when the accident involved injuries or property damage. At-fault accidents remain on your driving record for three to five years in the state.

Georgia drivers with a distracted driving violation can find full coverage for as little as $100 per month through Auto-Owners, while other insurers charge up to $247. The state prohibits handheld cellphone use while driving, with violations resulting in fines and points on your license. Though distracted driving isn't as serious as DUI or reckless driving, it still raises your insurance premiums.

At-fault accidents increase full coverage rates by 43% ($60 per month) for Georgia drivers, while a DUI raises premiums by 106% or $146 monthly compared to clean records. Drivers with violations pay more than those without infractions on their history. The table below compares average monthly costs for different violation types, and you can toggle between full coverage and minimum liability rates using the filter.

For clean-record rates, see our average cost of car insurance in Georgia guide.

High-risk drivers pay more, but rates vary enough between insurers that shopping around makes a real difference. Fint cheap car insurance after a bad driving record to cut costs with violations on your record.

Insurance companies classify you as high risk if you have:

• DUI or DWI convictions
• Moving violations or at-fault accidents
• A suspended or revoked license
• Limited driving experience
• Sports cars or racing history
• Poor credit or coverage lapses
• Multiple claims on your record

Drivers over 65 may also pay higher premiums.

Georgia drivers can secure better high-risk car insurance rates by following these practical strategies.

Auto-Owners provides the most affordable high-risk car insurance across Georgia's major insurers. Full coverage costs run from $100 per month (Auto-Owners for distracted driving violations) to $179 per month (COUNTRY Financial for DUI convictions), depending on your specific violation and coverage needs.

The Georgia Automobile Insurance Plan helps drivers who've been rejected by multiple insurers access state-mandated coverage.

Once you've improved your driving history, keep comparing rates through our cheapest car insurance in Georgia guide for better options.

Discover strategies for reducing premiums and securing coverage in our cheap car insurance after a bad driving record resource.

We calculated average rates using full coverage policies featuring 100/300/100 liability limits, comprehensive coverage and collision coverage with a $1,000 deductible. State minimum rates were based on Georgia's mandatory 25/50/25 liability requirements.

All rate calculations use this standard profile:

• Driver aged 35
• Male
• Annual mileage of 12,000
• Good credit score
• One violation (DUI, speeding ticket, at-fault accident or distracted driving)

Rates from major insurers were analyzed by violation type to determine the lowest-cost options for Georgia high-risk drivers. Filter options allow users to compare full coverage and state minimum coverage for their needs.