Insurance for High-Risk Drivers – A-1 Driving School

Insurance for High-Risk Drivers

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.

Information learned in class will apply whether you have been driving for years or you are a brand new driver.

For more information about class schedules or to see A-1’s 19 convenient locations call (770)962-9555 or visit us at www.a1drivingschools.com!

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