Car Insurance After a DUI in Georgia: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Georgia increases car insurance rates by an average of 88%, raising a typical full coverage policy from $2,484/year to $4,670/year. That's an increase of $2,186/year ($182/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Georgia
Before DUI
$207/mo
$2,484/year full coverage
After DUI (+88%)
$389/mo
$4,670/year full coverage
Cheapest Companies After DUI in Georgia
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $288/mo | $3,456/yr | Military families |
| Erie Insurance | $307/mo | $3,689/yr | Rate lock guarantee |
| GEICO | $319/mo | $3,829/yr | Clean driving record |
| Progressive | $342/mo | $4,110/yr | Telematics savings |
| State Farm | $354/mo | $4,250/yr | Good students |
| Travelers | $370/mo | $4,437/yr | Multiple discounts |
| Nationwide | $405/mo | $4,857/yr | Bundling home + auto |
| Farmers | $420/mo | $5,044/yr | Signal telematics |
| Allstate | $436/mo | $5,230/yr | Accident forgiveness |
| Liberty Mutual | $459/mo | $5,511/yr | New car replacement |
USAACheapest
Monthly
$288/mo
Annual
$3,456/yr
Best for: Military families
Erie Insurance
Monthly
$307/mo
Annual
$3,689/yr
Best for: Rate lock guarantee
GEICO
Monthly
$319/mo
Annual
$3,829/yr
Best for: Clean driving record
Progressive
Monthly
$342/mo
Annual
$4,110/yr
Best for: Telematics savings
State Farm
Monthly
$354/mo
Annual
$4,250/yr
Best for: Good students
Travelers
Monthly
$370/mo
Annual
$4,437/yr
Best for: Multiple discounts
Nationwide
Monthly
$405/mo
Annual
$4,857/yr
Best for: Bundling home + auto
Farmers
Monthly
$420/mo
Annual
$5,044/yr
Best for: Signal telematics
Allstate
Monthly
$436/mo
Annual
$5,230/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$459/mo
Annual
$5,511/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Georgia, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Georgia
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Georgia
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Georgia
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $389/mo | +88% |
| Year 1 | $371/mo | +79% |
| Year 2 | $344/mo | +66% |
| Year 3 | $298/mo | +44% |
| Year 5 | $243/mo | +18% |
| Year 7 | $207/mo | Normal |