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

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.

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.

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 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.

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 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.

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.

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.

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 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.

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.

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.