Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Georgia?

The words “low-cost” and “auto insurance” probably shouldn’t be used in the same sentence, especially when you are shopping around for the cheapest auto insurance for drivers with a DUI. Because of the high cost, let’s take a look at some things that help determine auto insurance rates, and see if we can help you take the bite out of your next policy.

Deciding which insurers offer the lowest-priced insurance rates for drivers with a DUI will involve a bit more work than just picking a company at random.

Each company has their own unique process to establish rates, so we’ll go over the insurance companies with the overall cheapest rates in Georgia. It’s important to understand that Georgia insurance rates are impacted by many factors that can increase the cost of coverage. Improving your credit rating, filing a claim, or getting a driving violation may prompt premium changes resulting in some companies being much cheaper than others.

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Auto-Owners may have some of the cheapest car insurance rates in Georgia at around $864 annually. The Hartford, USAA, Central Mutual, and MetLife also are some of the most economical Georgia auto insurance companies.

As shown above, if you are a customer of The Hartford and switched to Auto-Owners, you might see a yearly price reduction of roughly $22. Policyholders with USAA could save as much as $104 a year, and Central Mutual insureds might reduce rates by $341 a year.

Remember that these estimates are averages for all drivers and vehicles in Georgia and do not factor in a rate increase for drivers with a DUI. So the auto insurance company that has the lowest price for you may not even be included in the above rate chart. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.

One of the more important considerations that help set the annual cost of car insurance is where you call home in Georgia. Urban areas that are densely populated like East Point, North Atlanta, and Sandy Springs tend to pay slightly more, whereas cities that are not as densely populated tend to receive slightly lower rates.

The illustration below lists the most expensive places in Georgia for drivers with a DUI in which to purchase auto insurance.

Information shown are estimated as specific Georgia zip code can affect coverage prices significantly.

The type of vehicle that needs insurance is a large consideration when quoting the most economical coverage for drivers with a DUI. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models.

The next lists illustrates insurance rates for a selection of the cheaper automobiles to buy insurance for.

Data variables include single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Georgia which can modify premium rates greatly.

Table data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates substantially.

Prices based on single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in specific zip code location which can alter prices considerably.

Discounts on Georgia auto insurance

Insurance companies that sell cheap car insurance for drivers with a DUI in Georgia may provide rate discounts that could reduce prices by 25% or more if you qualify. Companies and a partial list of their discounts include:

The illustration below shows the difference between insurance prices with and without some available policy discounts. The data is based on a female driver, three citations and no at-fault accidents, Georgia state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, paid-in-full, anti-theft, vehicle safety, homeowner, and paperless filing discounts applied. In this example, the average savings per year on insurance for drivers with a DUI is % or $.

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Is the best company Progressive, Allstate, Geico, or State Farm?

When it comes to buying auto insurance after getting a DUI, the companies that insure more vehicles than anyone else are Progressive, Allstate, Geico, and State Farm. They all offer your standard coverages, but each one has a slightly different mix of options and features that can influence your buying decision. The next table shows some of the different features shoppers can expect to find with each one.