Who Has Affordable Atlanta Auto Insurance for Drivers with Bad Credit?

You have probably watched the captivating ads from car insurance companies like Allstate and State Farm that claim huge savings. So drivers should just pick the company with the best ad, right?

It’s just not that simple, as there are a ton of unknown elements like whether you are married or single, how old you are, if you currently have coverage, and your gender, that all impact the price you pay. We will touch on the best ways to compare rates and will hopefully give the reader a jump start in finding the best auto insurance in Atlanta.

For people with poor credit, one of the more important components that are used to help calculate car insurance rates is where you call home. More populated areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the luxury of lower rates.

The following table lists the priciest cities in Georgia for drivers with bad credit in which to purchase auto insurance. Atlanta comes in at #2 with an annual cost of $1,363 for the average insured, which is approximately $114 per month.

How much does car insurance cost in Atlanta, GA?
Rank City Annual Rate
1 East Point $1,450
2 Atlanta $1,363
3 Dunwoody $1,320
4 North Atlanta $1,310
5 Macon $1,279
6 Roswell $1,272
7 Mableton $1,267
8 Marietta $1,253
9 Columbus $1,243
10 Smyrna $1,242
11 Sandy Springs $1,242
12 Alpharetta $1,234
13 Gainesville $1,232
14 Savannah $1,227
15 Augusta $1,221
16 Rome $1,218
17 Peachtree City $1,168
18 Martinez $1,152
19 Warner Robins $1,149
20 Athens $1,124
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Price information shown is comparative as the specific Atlanta residence address can decrease or increase rates substantially.

Determining which insurers offer the best car insurance rates for drivers with bad credit may require more time than just getting one or two price quotes. Every car insurance company has their own formula for setting prices, so we will examine the lowest cost car insurance companies in Atlanta.

Keep in mind that Atlanta car insurance rates are based on many factors which can significantly increase or decrease the cost of having a policy. Simply improving your credit, marrying your spouse, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being more affordable than others.

Cheap Insurance Rates with Bad Credit

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Rankings for the cheapest Georgia auto insurance companies
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $886
3 USAA $968
4 Central Mutual $1,169
5 MetLife $1,264
6 Travelers $1,279
7 Georgia Farm Bureau $1,312
8 Safeco $1,369
9 Mercury $1,369
10 Country $1,377
11 State Farm $1,390
12 Allied $1,409
13 California Casualty $1,577
14 Encompass $1,673
15 Progressive $1,721
16 Nationwide $1,901
17 Liberty Mutual $2,004
18 Allstate $2,202
19 GEICO $2,209
20 Victoria $2,483
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Auto-Owners generally has some of the most affordable car insurance rates in Atlanta at around $855 annually. This is $674 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the best Atlanta, GA insurance companies.

In the above example, if you are a customer of The Hartford and switched to Auto-Owners, you could realize an annual premium reduction of around $31. Policyholders with USAA might save as much as $113 a year, and Central Mutual customers might lower prices by $314 a year.

If you want to find out if you’re overpaying, click here or quote rates from the companies below.

Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and and are not figured with a vehicle location for drivers with bad credit. So the car insurance company that fits your needs best may not even be in the list above. That is why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The make and model of vehicle that is being insured is a significant factor in finding low-priced insurance for drivers with bad credit. Vehicles with limited speed and performance, good safety features, or a low likelihood of liability claims will cost much less to insure than high performance models. The list below shows coverage premiums for the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,342
Toyota Prius $1,484
Ford Explorer Eddie Bauer 2WD $1,505
Chevrolet Impala LS $1,558
Ford Escape XLS 4WD $1,650
Hyundai Elantra GLS 4-Dr Sedan $1,671
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,695
Ford Fusion SEL 4-Dr Sedan $1,702
Nissan Altima Hybrid 4-Dr Sedan $1,711
Toyota Corolla XRS $1,702
Volkswagen Jetta SEL 4-Dr Sedan $1,709
Chevrolet Silverado LT Extended Cab 2WD $1,705
GMC Sierra 3500HD SLE Crew Cab 2WD $1,731
Honda Civic EX-L 4-Dr Sedan $1,752
Honda Accord LX-S 2-Dr Coupe $1,789
Toyota Camry Hybrid $1,821
Toyota RAV4 2WD $1,823
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in garaging location in Atlanta, GA which can influence auto insurance rates significantly.

Based on these rates, you can figure that vehicles like the Honda CR-V, Toyota Prius, Ford Explorer, Chevrolet Impala, and Ford Escape should be the more affordable vehicles to insure for people with poor credit. Prices will tend to be more expensive just due to the fact that there is more liability exposure for drivers with bad credit, but in general those specific models will most likely have the cheapest car insurance rates possible.

Insuring your vehicle with a good quality auto insurance company can be challenging considering how many choices there are in Georgia. The company information displayed below may help you pick which auto insurance companies you want to consider when trying to find cheaper insurance for drivers with bad credit.

The rankings below only include companies that write coverage in many states, so smaller companies that only insure vehicles in Georgia are not taken into consideration for these rankings. To compare rates from many more Georgia auto insurance companies, simply click here.

Atlanta, GA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability only rates

Paying a lower price for car insurance is the goal of most people, and a great way to lower the cost of insurance for drivers with bad credit is to not buy comprehensive and collision coverage. The information below shows the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The premiums assume no claims or driving citations, $1,000 deductibles, drivers are single, and no policy discounts are applied.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $2,199 per year more than just insuring for liability. Many drivers may wonder when is it a good idea to stop buying full coverage. There is no exact formula to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

Get discounts on Atlanta car insurance

Car insurance for people with poor credit in Atlanta, GAInsurance companies that provide coverage for drivers with bad credit may have policy discounts that can reduce rates by as much as 35% or more if you meet eligibility requirements. Companies and a partial list of their discounts are shown below.

The chart below compares premium costs with and without discounts being applied to the rates. The data assumes a male driver, no violations or accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, marriage, defensive driving course, multiple vehicle, safe-driver, and claim-free discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for drivers with bad credit is 28% or $625.

The Atlanta car insurance agencies listed below can most likely help you determine which car insurance policy is best, as some people prefer to have a consultation when shopping for cheaper insurance for people with poor credit. It can be difficult to find the cheapest rates, so a licensed agent can give you comfort knowing your coverage gives you enough coverage when you need it. To locate an Atlanta auto insurance agent close to where you live, click the button at the bottom of the list.

More Atlanta, GA insurance agents

How to find cheaper insurance for drivers with bad credit

The list below summarizes many penny-pinching suggestions that can help you buy low-cost coverage.

The final tip is very crucial, as was emphasized in the article above. Auto insurance prices in Atlanta change a lot, so don’t be hesitant to buy a different policy if you can save money. Sticking with a specific company is fine, but it isn’t a good idea if that dedication is costing a lot of money. If you have a few minutes, compare rates and find cheaper insurance for drivers with bad credit.