How Much Are Car Insurance Rates for High-Risk Drivers in Georgia?

In Georgia, car crashes have become a leading cause of fatalities on the road. In fact, vehicle-based accidents are the second-leading cause of hospitalizations in the state. With the increasing number of fatalities and injuries attributed to crashes, insurance providers have started raising rates for high-risk drivers.

High-risk drivers could possibly lose their policy in the long run. Reckless driving can include being at fault in a car crash, getting a speeding ticket, or having a lapse in coverage. You may have even received a DUI conviction. After such incidents, it might become difficult for you to find an affordable automobile policy to protect you on the road.

Let’s plunge into the discussion to find out what car insurance rates are for high-risk drivers in Georgia.

Who Are High-Risk Drivers?

Typically, high-risk drivers are individuals who are involved in one or more of these incidents;

  • At-fault accident
  • DUI conviction
  • Speeding ticket
  • Lapse in insurance coverage

The Department of Motor Vehicles has a specific definition for high-risk drivers. According to their definition, a high-risk driver is one who is likely to file more insurance claims compared to the average driver.

Some of the options included in this category are the drivers;

  • With a DUI conviction
  • That caused a serious accident
  • Were involved in prohibited street racing
  • With speeding tickets
  • That drive fast and recklessly
  • Who drive without a license
  • Who have high-risk vehicles such as exotic cars, supercars, sports cars, and collectible cars
  • That are teenagers
  • Aged 60 or older
  • Who have a suspicious driving history
  • Who’ve had a lapse in auto insurance coverage

The Rates for High-Risk Drivers in Georgia

Rate after a Speeding Ticket

Speeding in Georgia is the fourth-leading cause of car injuries and fatalities. If you get a speeding ticket, the rate will increase depending on your provider, age, gender, and driving history. The average premium before a speeding ticket is $1,200 to $1,800, and after a speeding ticket is $1,700 to $1,950.

Rate after an At-Fault Accident

Car crashes in Georgia are one of the more serious offenses. The rate increase depends on the insurance carrier, gender, age, and driver history. The annual premiums for coverage before an accident is $1,200 to $1,500. This rate can increase by 33 percent after an accident. A drive that caused an accident may have to pay almost $2,300 for their premium.

Rate after a DUI

Drunk driving is another leading cause of car accidents in Georgia. It can increase your premiums by 83 percent. The average rate before a DUI is $1,500 to $1,800. Depending on your provider, that number can go up to $3,227 after a DUI.

Rate for Teen Drivers

Age is an important factor when it comes to assessing risks for policyholders. Drivers aged between 16 and 19 are at high-risk of a car crash and may have to pay an annual premium between $1,400 and $2,300. Again, this figure is dependent on your provider.

Summing Up

The reasons mentioned above are some of the common factors that can influence your car insurance rates. Dangerous driving can negatively affect your insurance premiums and cost you hundreds of dollars more each year.