Find Car Insurance For High-Risk Drivers In Georgia


WRITTEN BY: Julia Matseikovich

UPDATED: DECEMBER 07, 2022 | 1 MIN READ

High-risk drivers in Georgia can expect to pay a hefty price for traffic violations when they approach insurance companies for coverage. Unfortunately, insurance costs in the state run very close to the national average for all violations. Your annual premium may go past the national average price depending on the severity of your violation. Read on to discover what’s classed as high-risk in Georgia, what are the best insurance companies and how to find a good insurance quote if you’re shopping for auto insurance as a high-risk driver in the state.

What is classified as a high-risk driver in Georgia?

Georgia drivers can expect to be classified as high-risk drivers if they have any of these on their driving record:

  • Speeding ticket
  • Distracted driving
  • Reckless driving
  • Racing
  • At-fault accident
  • Teen drivers
  • Drivers with bad credit

How much does high-risk car insurance cost in Georgia?

In Georgia, auto insurance after an at-fault accident can cost $1,924. This is a little under $100 less than the national average for this violation which is $2,012. Most traffic violations in the state run close to the national average price for insurance coverage. Expect insurance costs to increase more if you have a DUI than a speeding ticket.

Is auto insurance mandated in Georgia?

Car insurance is mandated in the state. The minimum level of insurance coverage for Georgia drivers is liability insurance.

What is the minimum level of insurance coverage in Georgia?

With the minimum level of insurance coverage for Georgia drivers being liability insurance, it’s important to consider all your options. With just liability, when there’s a car accident, liability insurance covers only the other car and that car’s driver and passengers if you’re the at-fault driver. The minimum level of liability insurance is $25,000 per person for bodily injury liability. However, most drivers opt for more than liability insurance.

Best car insurance companies for high-risk drivers in Georgia

Georgia Farm Bureau, USAA, State Farm, and GEICO are among the best car insurance companies in the state for high-risk drivers.

The best car insurance companies for high-risk drivers after an at-fault accident

Georgia Farm Bureau and USAA are the best auto insurance companies for high-risk drivers after an at-fault accident.

The best car insurance companies for high-risk drivers after a speeding ticket

Allstate, Georgia Farm Bureau, and USAA are among the best companies for insurance coverage if you’ve got a speeding ticket on your driving record.

The best car insurance companies for high-risk drivers after reckless driving

Georgia Farm Bureau, GEICO, and USAA offer the best options, while State Farm is the most expensive for this driving violation.

Cheapest car insurance companies for high-risk drivers in Georgia

Expect insurance premiums to go up. However, you can get competitive Georgia car insurance by shopping around. Georgia Farm Bureau offers the cheapest rates of all the insurance providers for many traffic violations in the state.

Cheapest car insurance for a reckless driving violation

Insurance provider Georgia Farm Bureau offers the cheapest full coverage. While GEICO is more expensive.

  • Georgia Farm Bureau: $1,050
  • USAA: $1,598
  • GEICO: $1,955

Cheapest car insurance for distracted driving

Again, Georgia Farm Bureau is the cheapest insurance provider. Progressive is among the most expensive.

  • Georgia Farm Bureau: $1,050
  • USAA: $1,052
  • State Farm: $1,251
  • Progressive: $1,563

Cheapest car insurance for a speeding ticket

USAA and Georgia Farm Bureau offer cheap full coverage options and affordable car insurance. While GEICO is double the price with higher rates for the same offense.

  • Georgia Farm Bureau: $1,050
  • USAA: $1,202
  • Allstate: $1,723
  • State Farm: $1,920
  • GEICO: $2,141

FAQs

What is the best car insurance company for high-risk drivers in Georgia?

Georgia Farm Bureau offers the cheapest auto insurance quotes for all offenses. USAA is also a good option if you have a military affiliation. However, it’s also a good idea to shop around for car insurance premiums that cover your needs

What do insurance companies consider high risk in Georgia?

A number of common car insurance risk factors impact car insurance quotes. The following driving violations and offenses will classify you as a high-risk driver in the state and result in higher rates in car insurance quotes:

  • At-fault car accident
  • Uninsured driver
  • Poor driving record
  • Reckless driving
  • Speeding ticket
  • Lapse in insurance coverage
  • DUI
  • DWI
  • Teen drivers

What is the minimum car insurance coverage for high-risk drivers in the state of Georgia?

Liability insurance is the minimum car insurance for all drivers, including high-risk drivers. Bodily injury liability of $25,00 per person and $50,000 per accident is also required. Also, property damage liability is set at $25,000 per accident. However, the same premium for a normal and a high-risk driver will be very different.

What is the average cost of car insurance for high-risk drivers in Georgia?

This depends a lot on the traffic violation. For example, Georgia car insurance is $2,136 after a reckless driving offense. This is an increase of $748 from the state average of $1,388 without this offense. The national average with this offense is $2,395. Bad drivers can find car insurance premiums yet expect higher rates.

What does Georgia have for laws for high-risk drivers?

High-risk drivers in Georgia face higher insurance rates and the legal system’s rigors. Georgia drivers can expect to face expensive fines, have points put on their driver’s license or have their driver’s license taken away for a period, or face jail.

Finding your auto insurance coverage

Getting a car insurance quote as a high-risk driver in Georgia can be disheartening. Some traffic violations can stay on your record for up to three years. However, you can use our online tool to shop around and find competitive prices on car insurance.