In Georgia, motor vehicle crashes are the leading cause of injury death and the second-leading cause of hospitalizations.
With such a significant number of injuries and fatalities attributed to car accidents, it comes as no surprise that Georgia insurance providers tend to take high-risk driving behaviors seriously.
Drivers are considered “high-risk” if they have been found at fault for an accident, have at least one speeding ticket, have a DUI conviction, or have had a lapse in insurance coverage. Following incidents such as these, it can be difficult for high-risk drivers to find affordable car insurance. By taking the necessary steps such as taking a driving course to correct their driving record and researching available providers in the region, high-risk drivers in Georgia can find the car insurance coverage solutions they need to stay safe and protected on the road.
Rates after a speeding ticket
| Car insurance company | Georgia average annual premium for full coverage before a speeding ticket | Georgia average annual premium for full coverage after a speeding ticket | % difference |
|---|---|---|---|
| Nationwide | $1,202 | $1,939 | 61% |
| Progressive | $1,800 | $1,946 | 8% |
| State Farm | $1,375 | $1,719 | 25% |
Rates after an at-fault accident
| Car insurance company | Georgia average annual premium for full coverage before an accident | Georgia average annual premium for full coverage after an accident | % difference |
|---|---|---|---|
| Auto-Owners | $1,494 | $1,659 | 11% |
| Nationwide | $1,202 | $2,226 | 85% |
| State Farm | $1,375 | $1,834 | 33% |
Rates after a DUI
| Car insurance company | Georgia average annual premium for full coverage before a DUI | Georgia average annual premium for full coverage after a DUI | % difference |
|---|---|---|---|
| Geico | $1,711 | $3,227 | 83% |
| Progressive | $1,800 | $2,067 | 15% |
| USAA | $1,506 | $2,126 | 41% |
Who is a high-risk driver?
For the purposes of this article, Bankrate defines high-risk drivers as individuals who align with our base driving profile and have one or more of the following incidents on their record:
- At-fault accident
- Speeding ticket
- DUI conviction
- Lapse in coverage
The best step to take after falling into the high-risk driver category is generally to commit to safer driving habits. Once you’re able to maintain a clean driving record for at least five years, your insurance rates should go down significantly.
Recent Comments