Georgia Car Insurance After a DUI

If you are found guilty of DUI in Georgia, your car insurance is going to grow more expensive — it's a question of by how much.


How does being convicted of DUI change car insurance premiums in Georgia?


In Georgia, a DUI will increase your annual car insurance premium by an average of $1,236. That’s 11% more than the national mean rate jump after a DUI.


CAR INSURANCE WITH A DUI IN GEORGIA — AVERAGE ANNUAL PREMIUM
AreaAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Georgia$1,609$2,846+77%
United States$1,548$2,556+65%

Purchasing auto insurance in Georgia with a DUI conviction


Purchasing cheap car insurance after a DUI conviction isn’t an easy task. In fact, a DUI typically results in a greater rate increase than any other driving violation — more than reckless driving, racing, or an at-fault accident. Georgia is an especially unfortunate state in which to rack up a DUI: its insurance rate hikes are among the nation's harshest.


Affordable car insurance after a DUI in Georgia

If you have been convicted of a DWI or DUI offense in Georgia, it’s key to examine your insurance choices thoroughly. Car insurance costs with a DUI often fluctuate substantially depending on the insurer. For example, the cheapest car insurance company after a DUI in Georgia, State Farm, provides annual premiums 44% better than the state mean insurance premium after a DUI conviction. The second-cheapest insurer for auto insurance after a DUI in Georgia is Georgia Farm Bureau, while the most expensive company is GEICO, with prices 55% above average.


CAR INSURANCE RATES WITH DUI IN GEORGIA — BY INSURANCE COMPANY
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,586
Georgia Farm Bureau$1,935
Progressive$2,480
USAA$2,640
Allstate$3,024

There’s no car insurance company in particular that provides affordable DUI auto insurance. The most effective strategy to save money in the wake of a DUI conviction is to compare policies.

Compare auto insurance policies online or reach out to an insurance agent to gauge your choices and discover the cheapest plan.

Learn more about car insurance and DUIs.

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Georgia DUI regulations

The legal drinking limit in Georgia is a blood alcohol concentration of 0.08%. Commercial drivers are held to an even stricter limit of 0.04%.

Georgia is also a zero-tolerance state when it comes to underage drinking and driving. Those under 21 years old must have a BAC less than 0.02%.

A BAC of the legal limit or higher means you are driving under the influence in Georgia.


DUI penalties in Georgia

Georgia imposes mandatory minimum jail time for DUI. In addition, the lookback period in Georgia is 10 years.

The penalties for a first-time DUI offense in Georgia are:

  • 24 hours to one year in jail
  • Fines of $300 to $1,000
  • Up to one year of a suspended license
  • A mandatory minimum of 40 hours of community service
  • A mandatory substance abuse evaluation

Second-time DUI offenders are subject to:

  • Two days to one year in jail
  • Fines of $600 to $1,000
  • Up to three years of a suspended license
  • At least 30 days of mandatory community service
  • A mandatory substance abuse evaluation
  • Possible mandatory attendance in a DUI reduction program
  • Possible requirement to install and use an ignition interlock device

Those charged with a third DUI offense are declared "habitual offenders" and are subject to penalties, including:

  • 15 days to one year in jail
  • $1,000 to $5,000 in fines
  • License revocation for five years
  • A minimum of 30 days of community service
  • A mandatory substance abuse evaluation
  • Possible mandatory attendance in a DUI reduction program
  • License plate confiscation
  • Name, address, and photo published in a local newspaper at offender's expense

DUI penalties for underage drinkers in Georgia

Penalties for a first-time DUI offense when underage in Georgia are:

  • 24 hours to one year in jail
  • $300 to $1,000 in fines
  • Suspension of a driver's license for six months to one year (or until 17 years old if younger than 15)
  • A minimum of 20 hours of community service
  • A mandatory substance abuse evaluation
  • Participation in a DUI reduction program

A second underage DUI offense leads to:

  • Three days to one year in jail
  • $600 to $1,000 in fines
  • A suspended license for 18 months (or until 18 years old if 15 or younger)
  • A minimum of 30 hours of community service
  • A mandatory substance abuse evaluation
  • Participation in a DUI reduction program

A third DUI offense while under the legal drinking age results in:

  • 15 days to one year in jail
  • Fines between $1,000 and $5,000
  • A suspended license for five years (or until 18 years old if 15 years old or younger)
  • A minimum of 30 hours of community service
  • A mandatory substance abuse evaluation
  • Participation in a DUI reduction program

Sources and references:

https://www.gahighwaysafety.org/highway-safety/impaired-driving-laws/

https://dui.drivinglaws.org/georgia.php

https://www.berniesez.com/everything-you-ever-wanted-to-know-about-dui-in-georgia/

https://www.dmv.org/ga-georgia/automotive-law/dui.php

https://dui.drivinglaws.org/resources/dui-and-dwi/dui-laws-state/georgia-underage-dui.htm

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.