How much does a DUI cost in Georgia? If you live in the Peach State, a DUI conviction is likely going to increase your car insurance premiums. Georgia drivers face an average full coverage premium increase of 89 percent following a DUI. This may be on top of other fines and penalties imposed by the state. Bankrate’s team of insurance experts has compiled a guide on what you need to know about finding auto insurance after a DUI in Georgia.


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DUI laws in Georgia

A Georgia DUI conviction may come with multiple penalties, which increase in severity with every subsequent infraction. A first DUI conviction may lead to a possible jail sentence of up to one year, a fine ranging from $300 to $1,000, license suspension of up to one year and 40 hours of community service. You will also need to pay a $210 fee to reinstate your license.

A second offense within five years of the first leads to higher penalties: a jail sentence of up to one year, a fine of up to $1,000, three years of license suspension as well as the fee to reinstate it, 30 days of community service and a clinical evaluation and completion of a treatment program at the offender’s expense.

The third conviction within five years of the second will earn you a minimum sentence of 15 days in jail, a fine between $1,000 and $5,000, license revocation for five years, 30 days of community service and clinical evaluation and completion of a treatment program at the offender’s expense. In addition, the violator’s name, photo and address may be published in the local newspaper and their license plate will be seized and returned to the DMV.

How a DUI affects your car insurance in Georgia

To an insurance provider, a DUI can be indicative of future reckless behavior. Drivers who have been convicted of a DUI are seen as more likely to drink and drive again as well as engage in other risky driving behaviors.

On average, full coverage car insurance rates increase by 89 percent following a DUI in Georgia. This is considerably higher than the national average, which is a 53 percent increase. However, your personal rates may increase more or less depending on your carrier and other personal rating factors. If you have a DUI on your record, you may need to find a new insurer, since some carriers may refuse to renew your policy or sell you a new one after your infraction.

Average annual full coverage car insurance rates before and after a DUI

Pre-DUI Post DUI Percent increase
Georgia $2,085 $3,931 +89%
National average $2,014 $3,091 +53%

Finding car insurance after a DUI in Georgia

Not all carriers will write policies for someone who has been convicted of a DUI, so Georgia drivers with DUIs may need to seek out high-risk auto insurance. To help give you an idea of what you might pay for coverage following a DUI, Bankrate’s insurance editorial team compared average post-DUI rates from some of the nation’s top auto insurance companies.

Note that the insurers on this table have been assigned a Bankrate Score. We looked at a wide range of metrics to determine Scores, including average rate data from Quadrant Information Services, third-party scores and ratings for customer satisfaction and financial stability, digital tools and coverage options. Bankrate Scores range from 0.0 to 5.0, with higher numbers indicating a company that excels across the board.

Car insurance company Bankrate Score Avg. annual minimum coverage premium post-DUI Avg. annual full coverage premium post-DUI
Allstate 3.8 $981 $4,490
Auto-Owners 4.2 $807 $2,471
Geico 4.4 $1,274 $4,148
Nationwide 3.9 $1,123 $3,774
Progressive 4.2 $978 $2,823

Frequently asked questions

    • No one company is always the best choice for every policyholder. The company that gives you the best price and service may not be the same as the company that does so for your neighbor. To find the best company for your own needs, it may be a good idea to contact several insurers to ask for quotes to see which is able to offer you the best deal for the coverage you need.
    • If you are convicted of a DUI in Georgia, that information will be given to the Georgia Crime and Information Center. It will also be noted on your Motor Vehicle Report (MVR). It will remain there permanently and may have a profound impact on you in the future if anyone, such as a potential employer or landlord, does a criminal background check on you. However, car insurance companies typically only consider DUIs from the past 10 years when determining rates, so maintaining a clean driving record might bring your rates back down over time.
    • Most of the time, a DUI is considered a misdemeanor. However, there are certain situations where a DUI could be regarded as a felony — such as having multiple previous DUI arrests or a DUI that resulted in the death or injuries of others.
    • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

      • $100,000 bodily injury liability per person
      • $300,000 bodily injury liability per accident
      • $50,000 property damage liability per accident
      • $100,000 uninsured motorist bodily injury per person
      • $300,000 uninsured motorist bodily injury per accident
      • $500 collision deductible
      • $500 comprehensive deductible

      To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

      These are sample rates and should only be used for comparative purposes.

      Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and single DUI conviction.

    • Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

      Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

      • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
      • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
      • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.