Who Has Affordable Auto Insurance Rates for Business Use in Atlanta?

One of the more important things that are used to help calculate insurance cost is your address in Atlanta. Larger areas tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The next table sorts the most costly cities in Georgia for business use to purchase auto insurance in. Atlanta makes the list at #2 with the yearly price of $1,377 for the average policy, which is approximately $115 monthly.

How much does auto insurance cost in Atlanta?
Rank City Annual Premium
1 East Point $1,436
2 Atlanta $1,377
3 North Atlanta $1,349
4 Mableton $1,306
5 Marietta $1,291
6 Alpharetta $1,284
7 Macon $1,279
8 Roswell $1,272
9 Sandy Springs $1,268
10 Dunwoody $1,268
11 Columbus $1,256
12 Smyrna $1,242
13 Rome $1,218
14 Peachtree City $1,204
15 Savannah $1,191
16 Augusta $1,185
17 Gainesville $1,184
18 Martinez $1,164
19 Athens $1,158
20 Hinesville $1,157
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Premium costs are approximated as the specific geographic location can affect premium rates greatly.

The make and model of vehicle to be insured is one of the largest factors when trying to find the cheapest auto insurance for business use. Vehicles with lots of speed or power, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The information below outlines insurance premiums for the cheapest vehicles to insure in Georgia.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Toyota Prius $1,614
Honda Accord LX 4-Dr Sedan $1,669
Ford Escape XLS 2WD $1,678
Ford Edge Limited 2WD $1,691
Ford Focus S 4-Dr Sedan $1,697
Honda Civic DX 4-Dr Sedan $1,691
Toyota RAV4 4WD $1,724
Chevrolet Silverado LS Regular Cab 2WD $1,726
Toyota Tacoma Double Cab 4WD $1,757
Honda CR-V EX-L 2WD $1,833
Chevrolet Equinox LTZ 2WD $1,847
Kia Optima LX $1,850
Nissan Rogue SL AWD $1,940
Honda Odyssey EX W/Rear Entertainment $1,946
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,968
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle location which can affect prices greatly.

Based upon the table data, vehicles like the Toyota Prius, Honda Accord, Ford Escape, and Ford Edge should be the cheapest vehicles to insure for using your car for business. Rates will tend to be higher because there is more inherent risk for business use, but generally speaking those models will probably have the cheapest auto insurance rates available.

Finding budget car insurance is not most people’s favorite thing to do, and finding out which companies quote the cheapest car insurance rates for business use takes more quotes for comparison. Every insurance provider has a unique formula for setting rates, so let’s begin by taking a look at the most competitive car insurance companies in Atlanta, GA.

It’s a good idea to be aware that Atlanta car insurance rates are impacted by many things that control the price you have to pay for coverage. This price fluctuation is why consumers need to take the time to perform a complete rate comparison when trying to get the most budget-friendly auto insurance rates for business use. Insurance rates can be determined by many things and can decrease or increase without notice, so the cheapest rate when you last compared rates may now be wasting a lot of money.

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Rankings for the cheapest car insurance companies in Georgia
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $886
3 USAA $978
4 Central Mutual $1,193
5 Georgia Farm Bureau $1,273
6 MetLife $1,276
7 Travelers $1,279
8 Mercury $1,369
9 Safeco $1,397
10 State Farm $1,432
11 Country $1,433
12 Allied $1,467
13 California Casualty $1,577
14 Encompass $1,689
15 Progressive $1,791
16 Nationwide $1,901
17 Liberty Mutual $2,004
18 Allstate $2,180
19 GEICO $2,231
20 Victoria $2,509
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Auto-Owners has some of the best car insurance rates in Atlanta at around $839 each year. This is $690 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also rank well as some of the most economical Atlanta, GA car insurance companies.

In this example, if you buy coverage from Georgia Farm Bureau and switched to The Hartford, you might see annual savings of around $387. Drivers with MetLife might save as much as $390 a year, and Travelers insureds might lower prices by up to $393 a year.

Be aware that those policy rates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for business use. So the insurer that can offer you the best price may not even be in the top 20 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Discounts on Atlanta auto insurance rates

Car insurance for using your car for business in Atlanta, GACar insurance companies that offer quotes for business use may have discounts that can reduce rates by 25% or more if you are eligible to receive them. A list of car insurance companies and some of the discounts can be read below.

The information below illustrates the comparison of yearly insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no violations or claims, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, vehicle safety, multiple vehicle, marriage, multiple policy, and safe-driver discounts applied. When discounts are applied, theamount saved on car insurance for business use is 28% or $618.

Insurance rate increases from tickets or accidents

The recommended way to earn good car insurance prices in Georgia for using your car for business is to drive safe and avoid accidents and violations. The information below shows how traffic citations and at-fault collisions raise premium costs for each different age group. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the chart above, the average cost of an auto insurance policy in Atlanta per year with no accidents or violations is $1,679. Factor in two speeding tickets and the average cost surges to $2,377, an increase of $698 each year. Next add one accident along with the two speeding tickets and the 12-month cost of car insurance for business use goes up to an average of $3,099. That’s an increase of $1,421, or $118 per month, just for not keeping your driving record clean!

Georgia car insurance companies

Insuring your vehicle with the right car insurance company is difficult considering how many companies provide coverage in Georgia. The company information shown next may help you decide which auto insurers you want to consider comparing rates from. The ratings below are for large nationwide companies, so smaller regional companies will not be included in these rankings.

Top 10 Large Car Insurance Companies in Atlanta Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

How to find more affordable auto insurance for business use

Below you’ll find a few thrifty suggestions that can help you buy cheap coverage.

The last tip is highly significant, as we hit on in the prior information. Rates fluctuate constantly, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money.

Having a favorite company is fine, but it isn’t a good idea if that faithfulness ends up costing you several hundred dollars every year. In less than five minutes you could compare rates to find cheaper insurance for business use in Atlanta.

The Atlanta, GA, insurance agents below can help you make a decision which policy is best, as some drivers have questions and prefer to have some professional guidance when comparing insurance rates for using your car for business. It’s not always simple to find the best policy yourself, and getting advice from a licensed Georgia insurance agent can give peace of mind knowing you have sufficient coverage for your assets. To locate an Atlanta car insurance agency nearest to you, click the button at the bottom or click here to compare rates now.

Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145Atlanta, GA 30329(404) 728-1000

Shiron Kilgore – State Farm Insurance Agent
42 Forsyth St NWAtlanta, GA 30303(404) 527-4883

Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd aAtlanta, GA 30329(404) 634-2447

Allstate Insurance: Douglas Hollis
2195 Fairburn Rd SWAtlanta, GA 30331(404) 629-1510

Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7Atlanta, GA 30319(404) 233-4847

More insurance agents in Atlanta, GA