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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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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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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.
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
- Automobile Insurance Plan Service Office. "AIPSO’s Value to the Insurance Industry." Accessed September 15, 2022.
- Automobile Insurance Plan Service Office. "Georgia Automobile Insurance Plan." Accessed September 15, 2022.
- Foundation for Advancing Alcohol Responsibility. "National Drunk Driving Statistics Map - Responsibility.org." Accessed September 15, 2022.