The words “economical” and “insurance” really don’t belong together, in particular when you are looking for the best price on coverage for drivers with a DUI. Because of the high cost, let’s lead off by showing you a few of the factors that have a considerable impact on car insurance premiums, and figure out some ways to lower the price of your next policy.
Finding out which company quotes the cheapest car insurance rates for drivers with a DUI requires more time in order to find the most economical policy.
Each company has a unique formula to set their prices, so let’s take a look at the most competitive car insurance companies in Georgia.
Best Car Insurance Prices after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $864 |
| 2 | The Hartford | $895 |
| 3 | USAA | $998 |
| 4 | Central Mutual | $1,205 |
| 5 | MetLife | $1,238 |
| 6 | Georgia Farm Bureau | $1,260 |
| 7 | Travelers | $1,331 |
| 8 | Mercury | $1,369 |
| 9 | Country | $1,391 |
| 10 | Safeco | $1,397 |
| 11 | State Farm | $1,432 |
| 12 | Allied | $1,467 |
| 13 | California Casualty | $1,561 |
| 14 | Encompass | $1,623 |
| 15 | Progressive | $1,721 |
| 16 | Nationwide | $1,827 |
| 17 | Liberty Mutual | $2,064 |
| 18 | Allstate | $2,202 |
| 19 | GEICO | $2,231 |
| 20 | Victoria | $2,559 |
| Get Personalized Rates Go | ||
Auto-Owners may offer some of the lowest car insurance rates in Atlanta at around $864 per year. This is $665 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the most economical Atlanta, GA auto insurance companies.
As shown above, if you currently have a policy with The Hartford and switched to Auto-Owners, you might realize a yearly price reduction of roughly $31. Customers with USAA may save as much as $134 a year, and Central Mutual insureds might see rate reductions of $341 a year.
It’s important to note that these policy prices are averaged across all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for drivers with a DUI. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.
One of the more important components that are looked at to determine the price you pay for insurance is your zip code. Areas with a lot of weather claims or more people will most likely pay more, whereas less populated areas can boast about having cheaper rates.
The information below shows the highest-priced areas in Georgia for drivers with a DUI to purchase car insurance in. Atlanta is ranked at #2 with an annual cost of $1,419 for the average insured, which is around $118 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | East Point | $1,494 |
| 2 | Atlanta | $1,419 |
| 3 | North Atlanta | $1,349 |
| 4 | Dunwoody | $1,307 |
| 5 | Mableton | $1,306 |
| 6 | Smyrna | $1,280 |
| 7 | Alpharetta | $1,272 |
| 8 | Macon | $1,253 |
| 9 | Marietta | $1,253 |
| 10 | Sandy Springs | $1,242 |
| 11 | Roswell | $1,235 |
| 12 | Columbus | $1,219 |
| 13 | Peachtree City | $1,204 |
| 14 | Savannah | $1,203 |
| 15 | Gainesville | $1,196 |
| 16 | Augusta | $1,185 |
| 17 | Rome | $1,182 |
| 18 | Athens | $1,158 |
| 19 | Hinesville | $1,157 |
| 20 | Martinez | $1,152 |
| Compare Prices Now Go | ||
Information shown are estimated as the specific Atlanta residence address can alter coverage rates considerably.
Responsible drivers pay cheaper Atlanta car insurance rates
In a perfect world, the ideal way to snag the most affordable car insurance premiums in Georgia after getting a DUI is to drive cautiously and avoid getting tickets or having accidents. The illustration below demonstrates how citations and at-fault accidents can raise yearly insurance costs for different categories of driver ages. The information is based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of a car insurance policy in Atlanta per year with no accidents and a clean driving record is $2,805. Get written up for one speeding ticket and the average cost jumps to $3,161, an increase of $355 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance for drivers with a DUI jumps again to an average of $4,163. That’s an increase of $1,358, or $113 per month, just for a couple of infractions!
How much more does full coverage cost in Atlanta?
Buying cheaper car insurance is important to most vehicle owners, and a good way to buy cheap insurance for drivers with a DUI is to not buy full coverage. The information below shows the comparison of insurance costs with full coverage and liability only. The data is based on no accidents or driving violations, $500 deductibles, single status, and no other discounts are factored in.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $1,852 per year more than just buying liability insurance. That proposes the question when is it safe to stop buying full coverage. There isn’t a steadfast formula of when to drop physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.
There are some situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
The importance of shopping around
Atlanta car insurance rates are calculated based on many things which can substantially decrease or increase the policy premium. Simply getting older, becoming a homeowner, or having an at-fault accident may prompt premium changes resulting in some companies being affordable when they were higher priced.
In addition to those changes, companies change premium rates every year to help ensure profitability. Higher than normal claims may result in additional premium costs, while lower claim levels can produce cheaper Atlanta car insurance rates.
To illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. Based on her current risk factors, Auto-Owners might offer the cheapest car insurance rates in Atlanta at $1,081 per year. This is $448 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the cheapest Atlanta, GA auto insurance companies.
In the next rate comparison, we’ll give the driver from above a chargeable accident, bad credit, and a speeding citation. Because each insurer has a unique approach for determining rates, comparing quotes could now result in a different set of companies as shown below.
The Hartford now has the cheapest rate in Atlanta, GA with Georgia Farm Bureau, USAA, Safeco, and Mercury also being competitive. This example proves why consumers need to shop around with many companies when trying to find the most budget-friendly car insurance quotes for drivers with a DUI. Car insurance prices are made up of many things and can increase or decrease at any time, so the best option a year ago may now be wasting a lot of money.