- Cheapest car insurance for high-risk drivers in Georgia
- Average rates for high-risk drivers in Georgia by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Georgia
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Georgia is Auto-Owners, followed by State Farm and Nationwide.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Auto-Owners | $2,167 | $181 |
| State Farm | $2,167 | $181 |
| Nationwide | $2,257 | $188 |
| Progressive | $2,481 | $207 |
| Allstate | $2,629 | $219 |
| Geico | $2,883 | $240 |
| Mercury Insurance | $3,041 | $253 |
| USAA | $1,820 | $152 |
Average rates for high-risk drivers in Georgia by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Auto-Owners | $1,754 |
| USAA | $1,802 |
| State Farm | $2,070 |
| Nationwide | $2,272 |
| Geico | $2,475 |
| Progressive | $3,134 |
| Allstate | $3,142 |
| Mercury Insurance | $3,956 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Georgia for a driver with a DUI is State Farm with an average annual of $1,913 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,913 | $159 |
| Auto-Owners | $2,497 | $208 |
| Progressive | $2,718 | $227 |
| Allstate | $2,800 | $233 |
| Nationwide | $2,818 | $235 |
| Mercury Insurance | $2,854 | $238 |
| Geico | $4,889 | $407 |
| USAA | $2,412 | $201 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Georgia, the cheapest car insurance with multiple tickets is from Auto-Owners. It offers full coverage insurance at $1,549 per year or $129 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Auto-Owners | $1,549 | $129 |
| State Farm | $1,913 | $159 |
| Nationwide | $2,020 | $168 |
| Progressive | $2,306 | $192 |
| Allstate | $2,347 | $196 |
| Geico | $2,498 | $208 |
| Mercury Insurance | $2,959 | $247 |
| USAA | $1,479 | $123 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Georgia, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,913 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,913 | $159 |
| Auto-Owners | $2,497 | $208 |
| Progressive | $2,594 | $216 |
| Allstate | $2,800 | $233 |
| Nationwide | $2,818 | $235 |
| Geico | $2,949 | $246 |
| Mercury Insurance | $3,620 | $302 |
| USAA | $1,758 | $147 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Georgia is Nationwide with an average annual cost of $1,849 or $154 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,849 | $154 |
| Geico | $1,964 | $164 |
| Progressive | $2,655 | $221 |
| Mercury Insurance | $2,893 | $241 |
| Allstate | $3,131 | $261 |
| Auto-Owners | $3,360 | $280 |
| State Farm | $3,437 | $286 |
| USAA | $2,317 | $193 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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