Lilah Butler, Car Insurance Writer
@lilah_c
The best car insurance in Georgia for drivers with a DUI is from Country Financial, State Farm, and Auto-Owners. Getting a DUI in Georgia will raise your insurance premiums by around 117%, bringing the cost of minimum coverage to $1,906 per year for the average Georgia driver. You can minimize the cost of post-DUI car insurance by comparing quotes from the cheapest companies.
Best DUI Insurance in Georgia
- Country Financial: $668 per year
- State Farm: $798 per year
- Auto-Owners: $903 per year
- USAA: $995 per year
- Progressive: $1,083 per year
Note: Premiums are based on a 45-year-old driver in Georgia with minimum coverage and a DUI on their record. Actual rates will vary.
Car insurance after a DUI is expensive because the violation indicates you are more likely to file a costly claim than the average driver. In Georgia, a DUI will affect your premium for about 3-5 years, so the higher rates won’t last forever.
To learn more, check out WalletHub’s guide to the cheapest car insurance after a DUI.
People also ask
How long does a DUI affect insurance in Georgia?
A DUI in Georgia typically affects insurance for at least 3 years, depending on the insurance company. Most insurers look back at the past 3-5 years of a driver's motor vehicle record when calculating premiums, but some look even further for major violations like DUI. Keep in mind that a DUI will stay on your driving record for longer than it affects your insurance, though Georgia does not specify a timeframe.
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Cheapest SR-22 Insurance in Georgia
- Country Financial: $389 per year
- Auto-Owners: $422 per year
- USAA: $564 per year
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Post-DUI insurance rates are 6% to 347% higher than premiums for drivers with clean records, depending on the state and insurance company. For example, Progressive only raises rates by an average of 6% after one DUI, while customers with Nationwide will see their premiums increase by about 125%. Similarly, a DUI affects insurance rates differently between states. Drivers in Maryland see the smallest increase in rates after a DUI, at only 28% on average. Rates...
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