Find Cheaper Georgia Car Insurance Rates for Drivers With a DUI
Enter your Georgia Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 27, 2024
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The car, truck, or SUV requiring coverage is probably the most important factor that determines whether or not you find the most affordable car insurance for drivers with a DUI. Vehicles with economical engines, a great safety record, or a low likelihood of liability claims will cost quite a bit less to insure than fast, unsafe models.
The data below presents auto insurance rates for a selection of the most budget-friendly automobiles to insure.
Vehicle Insured | Estimated Cost for Full Coverage |
---|---|
Honda Accord LX 4-Dr Sedan | $1,740 |
Honda CR-V LX 2WD | $1,745 |
Ford Escape XLS 4WD | $1,921 |
Ford Explorer XLT 2WD | $1,935 |
Jeep Wrangler Sahara 4WD 2-Dr | $1,945 |
Hyundai Tucson GLS 4WD | $1,935 |
Toyota Tacoma Double Cab 4WD | $2,064 |
Toyota Corolla XLE | $2,192 |
Toyota Sienna XLE AWD | $2,200 |
Ford F-150 XLT Regular Cab 2WD | $2,194 |
Subaru Forester X Limited Edition AWD | $2,210 |
Honda Odyssey EX | $2,227 |
Dodge Ram Crew Cab SLT 2WD | $2,239 |
Chevrolet Malibu LS | $2,276 |
Toyota RAV4 4WD | $2,285 |
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Above prices assume single female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can change insurance rates greatly.
By looking at the data, you can figure that cars like the Honda Accord, Honda CR-V, Ford Escape, and Ford Explorer will definitely be some of the most affordable vehicles to insure after getting a DUI. Rates will trend higher because of the fact that there is more risk for drivers with a DUI, but in general those models will tend to have the cheapest rates compared to other vehicles.
After getting a DUI, one of the big criteria that is used to calculate the amount you pay each year for auto insurance is where your car is garaged in Georgia. More populated areas like East Point, North Atlanta, and Macon tend to pay higher rates, whereas areas that tend to be more rural benefit from lower prices.
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The next table displays the more expensive cities in Georgia for drivers with a DUI to buy car insurance in.
Rank | City | Annual Premium |
---|---|---|
1 | East Point | $1,450 |
2 | Atlanta | $1,377 |
3 | North Atlanta | $1,310 |
4 | Mableton | $1,293 |
5 | Macon | $1,291 |
6 | Dunwoody | $1,281 |
7 | Sandy Springs | $1,280 |
8 | Smyrna | $1,280 |
9 | Roswell | $1,259 |
10 | Columbus | $1,256 |
11 | Marietta | $1,241 |
12 | Alpharetta | $1,234 |
13 | Gainesville | $1,220 |
14 | Rome | $1,218 |
15 | Augusta | $1,209 |
16 | Savannah | $1,203 |
17 | Peachtree City | $1,168 |
18 | Hinesville | $1,157 |
19 | Warner Robins | $1,149 |
20 | Dalton | $1,145 |
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Price information shown is comparative as the vehicle garaging location can revise coverage rates substantially.
Deciphering which company offers the best insurance rates for drivers with a DUI will require a bit more effort than just comparing rates from one or two companies.
Every auto insurer has a different formula to determine rates, so we’ll go over the insurance companies with the overall best prices in Georgia. It’s important that readers know that Georgia insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Simply getting older, buying another vehicle, or getting a few speeding tickets may cause policy rate changes resulting in some companies being cheaper than before.
Auto-Owners normally has some of the lowest car insurance rates in Georgia at around $855 annually. The Hartford, USAA, Central Mutual, and MetLife are also some of the cheapest Georgia insurance companies.
As the example above demonstrates, if you buy coverage from USAA and switched to Auto-Owners, you might achieve annual savings of in the neighborhood of $153. Georgia drivers with Central Mutual could save as much as $338 a year, and MetLife insureds might see rate reductions of $409 a year.
These policy rates are averaged across all ages of drivers and types of vehicles and and are not calculated with a price increase for drivers with a DUI. So the company that can offer you the best rate may not even be in the above list. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
Enter your zip code below to view companies that have cheap auto insurance rates.
Insuring your vehicle with a high-quality insurer can be rather challenging considering how many companies there are to choose from in Georgia. The company rank data shown below could help you choose which car insurance companies to look at purchasing coverage from.
The ratings below include companies with a nationwide focus, so companies that only write business in Georgia or surrounding areas are not factored into the list. To check rates from these top-rated insurers and more, simply click here.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Liability-only versus full coverage
Finding cheap car insurance for drivers with a DUI in Georgia is important to most drivers, and a great way to reduce the cost of insurance is to not buy comprehensive and collision coverage. The diagram below illustrates the comparison of auto insurance rates with and without full coverage. The rates are based on no claims or driving violations, $100 deductibles, single status, and no discounts are applied to the premium.
If all age groups are averaged, full coverage costs $3,016 per year more than carrying just liability coverage. That amount may make you wonder when is the right time to remove full coverage. There isn’t a written rule of when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
There are some circumstances where only buying liability is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
How careless driving impacts insurance rates
The best way to maintain the best insurance rates in Georgia after getting a DUI is to pay attention while driving and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and at-fault collisions influence insurance prices for different insured age categories. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of car insurance per year with no accidents and a clean driving record is $1,424. Receive two speeding tickets and the average cost surges to $2,018, an increase of $594 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for drivers with a DUI goes up to an average of $2,614. That’s an increase of $1,190, or $99 per month, just for not driving carefully!
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Frequently Asked Questions
Why do drivers with a DUI typically face higher car insurance rates in Georgia?
Drivers with a DUI typically face higher car insurance rates in Georgia because a DUI conviction is considered a major traffic violation. Insurance companies view DUIs as indicative of high-risk behavior and an increased likelihood of filing claims. Consequently, premiums are higher to compensate for the increased risk.
Are there any discounts or programs available to help drivers with a DUI save on car insurance in Georgia?
While discounts for drivers with a DUI may be limited, some insurance companies in Georgia offer programs to help them save on car insurance. These programs may include completing a defensive driving course or installing an ignition interlock device in their vehicle. It’s best to check with various insurers to explore any available options.
How can I find cheaper car insurance rates in Georgia with a DUI on my record?
To find cheaper car insurance rates in Georgia with a DUI on your record, consider the following steps:
- Shop around and compare quotes: Obtain quotes from multiple insurance companies to find the most affordable option for your situation.
- Look for specialized insurers: Some insurance companies specialize in providing coverage to drivers with a DUI. These insurers may offer more competitive rates.
- Improve your driving record: Focus on maintaining a clean driving record going forward. Over time, as the DUI conviction becomes older, insurance rates may gradually decrease.
- Complete a defensive driving course: Some insurers offer discounts for completing a defensive driving course. Check with your insurance provider to see if this option is available.
- Consider installing an ignition interlock device: Installing an ignition interlock device in your vehicle may show your commitment to safe driving and could lead to potential discounts from certain insurance companies.
Is it possible to get car insurance with a DUI on my record in Georgia?
Yes, it is possible to get car insurance with a DUI on your record in Georgia. However, obtaining coverage may be more challenging and expensive compared to drivers without a DUI. Some insurance companies may be more willing to provide coverage than others, so it’s important to explore different options and compare quotes.
How long does a DUI affect car insurance rates in Georgia?
The duration of how long a DUI affects car insurance rates in Georgia varies. Generally, a DUI conviction remains on your driving record for several years. During this time, insurance companies may consider you a high-risk driver and charge higher premiums. However, as time passes without any new DUI incidents, your insurance rates may gradually decrease.
Are there any steps I can take to improve my driving record and potentially lower my insurance rates in the future after a DUI?
Yes, there are steps you can take to improve your driving record and potentially lower your insurance rates in the future after a DUI:
- Obey traffic laws and practice safe driving habits consistently.
- Maintain continuous coverage without any lapses.
- Consider completing a defensive driving course or attending an alcohol education program to demonstrate your commitment to safe driving.
- Avoid any additional traffic violations or DUI offenses, as they can further impact your insurance rates.
Can working with an insurance agent help me find cheaper car insurance rates with a DUI in Georgia?
Yes, working with an experienced insurance agent can be beneficial when searching for cheaper car insurance rates with a DUI in Georgia. Agents have knowledge of the insurance market and can help you navigate options, find specialized insurers, and potentially negotiate better rates based on your specific circumstances.
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