Car Insurance For High Risk Drivers In Georgia

Insuring High Risk Drivers in Georgia

Driving a car in Georgia is a privilege and a responsibility. Georgia has some of the strictest laws and regulations in the country when it comes to auto insurance and who can legally drive a car. This is especially true for drivers that are considered high risk drivers. High risk drivers are those who have had multiple traffic violations or accidents on their records, and they may be required to carry more auto insurance than other drivers in Georgia. If you are a high risk driver in Georgia, it is important to understand the state laws and regulations regarding auto insurance.

What Is Considered a High Risk Driver in Georgia?

In Georgia, a high risk driver is someone who has been convicted of multiple traffic violations or has had multiple auto accidents in a short period of time. This can include convictions for speeding, reckless driving, DUI, or any other traffic violation. Additionally, if you have had multiple accidents in a short period of time, you may be considered a high risk driver by insurance companies. High risk drivers in Georgia may be required to get more auto insurance coverage than other drivers in the state.

What Are the Minimum Requirements for Auto Insurance in Georgia?

The minimum requirements for auto insurance in Georgia are liability coverage for bodily injury and property damage. This is usually referred to as 30/60/25 coverage. This means that if you are at fault in an accident, you must carry a minimum of $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Additionally, all drivers in Georgia must have uninsured motorist coverage with a minimum of $25,000 per person and $50,000 per accident.

What Are the Insurance Requirements for High Risk Drivers in Georgia?

High risk drivers in Georgia may be required to carry more auto insurance coverage than other drivers in the state. This is usually referred to as “high risk” insurance. High risk insurance typically includes higher levels of liability coverage than the minimum required by the state. Additionally, you may be required to carry uninsured motorist coverage with higher limits than the minimum required by the state. This is to ensure that you are covered in the event that you are involved in an accident with an uninsured driver.

Where Can I Get High Risk Auto Insurance in Georgia?

There are many companies that offer high risk auto insurance in Georgia, including major insurance companies, independent agents, and online providers. When searching for high risk insurance, make sure to compare rates from multiple companies to get the best deal. Additionally, make sure to read the fine print of any policy you are considering to make sure that you understand the coverage and any exclusions or restrictions.

Conclusion

High risk drivers in Georgia are required to have more auto insurance coverage than other drivers in the state. It is important to understand the laws and regulations regarding auto insurance in Georgia, as well as the minimum requirements for high risk drivers. Additionally, it is important to shop around to compare rates and make sure that you are getting the best coverage for your needs. By understanding the laws and doing your research, you can make sure that you are properly insured as a high risk driver in Georgia.