How Much Does Auto Insurance Cost for Drivers with a DUI in Georgia?
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UPDATED: Dec 1, 2021
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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.
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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|
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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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