Updated: November 21, 2024
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MoneyGeek named State Farm the best DUI car insurance provider for full and minimum coverage policies in Georgia. It's also the most affordable option for both full and minimum coverage. You can compare the costs of various insurance types using the table below.
For drivers with a DUI in Georgia, State Farm and Allstate offer the cheapest full coverage car insurance, with annual premiums of $1,545 and $1,891, respectively.
In Georgia, following a DUI, the top two cheapest providers for minimum coverage car insurance are State Farm at $860 per year and Allstate at $1,119 per year.
In Georgia, State Farm emerges as the best full coverage provider for individuals with a DUI, offering an annual rate of $1,545, applauded for its affordability, customer satisfaction, and financial stability.
Car insurance companies can legally refuse to insure drivers who have a DUI conviction on their record. If your insurance company decides to keep your policy after you get a DUI, your rates will increase. This is because drivers who have been charged with a DUI are deemed high-risk, which means they are more likely to file a claim.
Following a DUI conviction in Georgia, the judge will set the sentence and penalties according to the law. In terms of insurance, Georgia drivers with a DUI pay 79.69% more for a full coverage insurance policy in addition to having their driver's license suspended.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
MoneyGeek’s research discovered that Progressive and State Farm offer the cheapest car insurance after a DUI on a national level. In Georgia, however, State Farm and Allstate are the companies that provide the most affordable premiums for DUI-convicted drivers.
Based on MoneyGeek's analysis, the following companies offer the cheapest full coverage car insurance rates for DUI drivers in Georgia, on average:
At $1,805 per year, USAA is Georgia's second-cheapest choice, but it's only available to military families.
| 1 | State Farm | $1,545 |
| 2 | USAA | $1,805 |
| 3 | Allstate | $1,891 |
| 4 | Country Financial | $2,383 |
| 5 | Mercury | $2,566 |
According to MoneyGeek's analysis, the following companies offer the cheapest minimum-coverage plans of car insurance for DUI offenders in Georgia, on average:
At $923 per year, USAA has some of the lowest yearly rates. However, its plans are limited to military families.
| State Farm | $860 |
| USAA | $923 |
| Allstate | $1,119 |
| Country Financial | $1,317 |
| Mercury | $1,411 |
| Progressive | $1,595 |
| Esurance | $1,726 |
| Nationwide | $1,879 |
| MetLife | $2,696 |
| GEICO | $2,982 |
When it comes to auto insurance, the cheapest option isn't always the best. Despite the fact that Georgia law only requires you to carry liability insurance and does not require you to obtain comprehensive or collision coverage, MoneyGeek recommends determining how much car insurance you need to protect yourself and your valuables.
MoneyGeek rated insurance companies based on pricing, financial stability and customer satisfaction to help you discover the best policy for your needs. For both full and minimum coverage, State Farm is the best car insurance for drivers with a DUI in Georgia.
State Farm and Allstate are the top two providers of full coverage auto insurance for DUI offenders in Georgia. MoneyGeek’s rankings let you evaluate each insurer to learn more about their policies, rates and notable features.
The average driver in Georgia pays around $1,414 per year for full coverage insurance with State Farm. Meanwhile, the average annual premium for DUI offenders increases costs by around 9.28% to roughly $1,545.
State Farm is one of MoneyGeek’s top-rated auto insurers. The company has a great track record when it comes to customer service, financial soundness and discounts. It does, however, have an average level of satisfaction and affordability.
For drivers in Georgia with a clean driving record, an Allstate full coverage policy costs around $1,394 per year. DUI offenders, on the other hand, pay around $1,891 per year, which is a 35.61% increase.
Allstate offers above-average customer satisfaction and complaints ratings. However, it has below-average affordability and discount ratings. For most drivers, Allstate is somewhat costly, but it is relatively inexpensive for teen drivers.
While minimum coverage is the most affordable option, it may not be sufficient for everyone's needs. MoneyGeek reviewed a number of auto insurance providers in Georgia that offer minimum coverage policies and compiled a list of our favorites in the table below.
A State Farm minimum coverage policy costs roughly $780 each year without a DUI. DUI offenders, on the other hand, pay around $860 per year, which is a 9.28% increase.
For our sample driver who wants minimum coverage, State Farm is a good option. State Farm is a top-rated auto insurer, according to MoneyGeek’s research. State Farm is an affordable alternative for most drivers, despite the lack of additional distinctive coverages.
A minimum coverage policy with Allstate can cost roughly $841 per year for drivers with a clean driving record. Those with a DUI, on the other hand, pay around 35.61% more, which is $1,119 per year.
For most drivers, including those who buy minimum coverage, Allstate is neither inexpensive nor expensive. Allstate offers affordable auto insurance for young drivers. The insurer is available in every state.
After a DUI, the average cost of car insurance in Georgia can rise by 79.69%. With a DUI conviction, the average annual cost of a full coverage policy is $2,816. Drivers in Georgia with offenses only spend about $1,567 for the same coverage.
After you receive a DUI in Georgia, MoneyGeek explains how and why your auto insurance premiums may vary.
How long does a DUI affect the cost of your car insurance?
A DUI conviction might remain on your record for several years, also known as a "look-back period,” depending on your state. Georgia has a ten-year look-back period. To accommodate criminal penalties for repeat DUI offenders, look-back periods are extended. This explains why look-back periods are so long.
Full Coverage
$1,567
Full Coverage
$2,816This is 80% more expensive.
Since you're deemed a risky driver after a DUI, the cost of your Georgia auto insurance goes up. To receive a more personalized estimate of how your rates may vary after a DUI, use MoneyGeek's auto insurance calculator below.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
The cost of increased auto insurance isn't the only additional expense you'll face as a result of a DUI. Other DUI-related costs can quickly add up dollars, including:
Some car insurers refuse to cover drivers who have been convicted of a DUI. Insurance companies are private businesses that have the legal right to terminate or refuse to renew policies for DUI offenders since.
Since the look-back period in Georgia is ten years, it can be particularly difficult to obtain insurance. However, you can still shop around, compare quotes and choose the best possible insurance company. For the same driver, car insurance quotes in Georgia might vary by as much as $1,292 per year depending on the company. As a result, it is advisable to compare rates from multiple insurers while shopping for auto insurance.
SR-22 insurance in Georgia is required for drivers who have committed a significant traffic violation. This demonstrates to the state that the driver's liability insurance fulfills the state's minimum criteria. To be clear, SR-22 coverage isn't the same as car insurance.
DUI and DUI "per se" are the two ways a driver might be in violation of Georgia's DUI laws. Georgia courts can impose criminal penalties, including fines, jail time and community service, as potential DUI consequences. After being convicted of DUI, a judge will determine your sentence and impose a fine within the guidelines of the law.
Driving with a BAC at or above 0.08% is considered a DUI
The amount of alcohol in a person's bloodstream is called blood alcohol content (BAC). In Georgia, even if your BAC is less than 0.08%, you might be found guilty of DUI.
Driving with a BAC of 0.15% will result in increased penalties
When the offender's BAC is less than 0.15%, the court will not accept a nolo contendere plea, which is a powerful tool for those charged with misdemeanor traffic violations in Georgia.
One-year administrative license suspension on first offense
An administrative license suspension will be in effect for 12 months if it is the first conviction in five years. If all of the conditions are met at the end of the 120-day period, the driver can apply for reinstatement.
Limited driving privileges during suspension
During the suspension term, a limited driving permit may be offered for a fee in some cases. You can only drive in certain places and for certain purposes if you have permission.
Ignition interlocks are mandatory for repeat convictions
According to Georgia law, individuals who are convicted of a second or subsequent DUI crime within five years of a previous conviction must install an ignition interlock device on their car.
Open container laws
"Open container" refers to violations of Georgia law prohibiting the consumption and possession of any alcoholic beverage or open alcoholic beverage container in the passenger compartment of a vehicle traveling on a public highway's roadway or shoulder.
Repeat offender laws
Georgia does have repeat offender laws that increase the penalties for subsequent DUIs within a certain time period.
After a DUI conviction in Georgia, finding the best auto insurance might be challenging. To help you, MoneyGeek has provided answers to some frequently asked questions.
As private entities, insurers are not required under Georgia law to continue to cover DUI offenders. Therefore, they can cancel or refuse to renew your coverage. This is something you should inquire about directly with your insurance provider.
In Georgia, rates typically rise by 79.69% after a DUI. The average yearly cost of full coverage auto insurance in Georgia is $1,567, with a DUI conviction increasing the cost to around $2,816.
According to MoneyGeek's analysis, State Farm is the firm that offers the cheapest car insurance for DUI-convicted drivers. However, if you're looking for the best auto insurers, MoneyGeek recommends State Farm and Allstate.
Your auto insurance premiums may be higher for the next 10 years due to Georgia's look-back period. However, this is dependent on your circumstances.
Finding the right insurance policy for your needs after a DUI might be difficult. MoneyGeek suggests comparing rates to find an insurer who can meet your individual requirements.
To determine the top companies for individuals with DUIs in Georgia, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
