Who Has Affordable Auto Insurance Quotes for Good Students in Atlanta?

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Establishing which companies have the lowest-priced car insurance rates for good students calls for a little more sweat in order to find the best price. Each insurance company uses a different method to establish rates, so let's examine the car insurance companies with the overall cheapest rates in Atlanta.

It's a good idea to be aware that Georgia car insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Simply turning a year older, having a teenage driver, or having a fender bender can trigger changes in premium that can make some companies cheaper in comparison to the competition.

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Cheapest Georgia car insurance ranked by price
Rank Company Cost Per Year
1 Auto-Owners $830
2 The Hartford $922
3 USAA $1,008
4 Central Mutual $1,193
5 MetLife $1,276
6 Travelers $1,279
7 Georgia Farm Bureau $1,299
8 Mercury $1,369
9 Safeco $1,397
10 State Farm $1,432
11 Country $1,433
12 Allied $1,452
13 California Casualty $1,577
14 Encompass $1,673
15 Progressive $1,721
16 Nationwide $1,827
17 Liberty Mutual $2,064
18 GEICO $2,231
19 Allstate $2,246
20 Victoria $2,483
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Auto-Owners offers some of the best car insurance rates in Atlanta at around $830 annually. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the cheaper Atlanta, GA car insurance companies.

As depicted above, if you are a policyholder with MetLife and switched to The Hartford, you could see an annual premium reduction of upwards of $354. Drivers with Travelers might save as much as $357 a year, and Georgia Farm Bureau customers might see rate reductions of $377 a year.

To find out how much you can save, click here to get quotes or click through to the companies below.

Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not take into consideration an exact location for good students. So the auto insurance company that can offer you the best rate may not even be in the top 20 companies shown above. That's why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The vehicle model you are seeking coverage for is one of the main factors when shopping for the most economical car insurance for good students. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The list below outlines insurance prices for a number of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $5,648
Ford Escape XLT 4WD $5,653
Toyota Prius $6,056
Jeep Wrangler Sport Islander Package 4WD 2-Dr $6,226
Ford Explorer XLT 4WD $6,282
Ford Edge SEL 2WD $6,581
Honda Odyssey EX $6,590
Chevrolet Impala LS $6,581
Toyota RAV4 4WD $6,637
Chevrolet Equinox LS 2WD $6,645
Jeep Grand Cherokee Laredo 4WD $6,637
Volkswagen Jetta S 4-Dr Sedan $6,645
Ford F-150 FX4 Super Cab 4WD $6,690
Dodge Grand Caravan Crew $6,700
Toyota Tacoma Double Cab 4WD $6,690
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Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in zip code location which can revise coverage prices considerably.

By looking at the data, you can expect cars like the Honda CR-V, Ford Escape, and Toyota Prius are the most affordable vehicles to insure for student drivers.

One of the many things that are used to help calculate car insurance rates is the neighborhood you call home. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas more rural areas can boast about having cheaper rates.

The table below rates the most expensive places in Georgia for good students to buy an auto insurance policy in. Atlanta ranks #2 with an annual rate of $1,377 for coverage, which is about $115 each month.

How much does car insurance cost in Atlanta, GA?
Rank City Annual Premium
1 East Point $1,436
2 Atlanta $1,377
3 Dunwoody $1,307
4 North Atlanta $1,297
5 Macon $1,291
6 Sandy Springs $1,280
7 Roswell $1,272
8 Columbus $1,256
9 Smyrna $1,254
10 Mableton $1,254
11 Alpharetta $1,246
12 Marietta $1,241
13 Savannah $1,239
14 Augusta $1,221
15 Gainesville $1,196
16 Athens $1,170
17 Rome $1,170
18 Peachtree City $1,168
19 Warner Robins $1,161
20 Albany $1,142
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Price information shown is estimated as specific Atlanta zip code can impact prices considerably.

Comparison of full coverage and liability-only policies

Saving money when shopping for car insurance should be important to most drivers, and an effective way to find cheaper insurance for good students is to only buy liability insurance. The diagram below illustrates the difference between insurance prices with full physical damage coverage and with liability coverage only. The data is based on no claims, a clean driving record, $500 deductibles, single marital status, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $2,471 per year more than just buying liability only. That amount may make you wonder if physical damage coverage is worth the money. There is no definitive formula of when to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your vehicle's book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after the deductible is paid. If it's costing you more than $400 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

Responsible drivers pay cheaper car insurance rates

A great way to find the best car insurance prices in Georgia for student drivers is to be a good driver and avoid accidents and violations. The chart below illustrates how traffic citations and accidents impact insurance rates for each age group. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of an auto insurance policy in Georgia per year with no accidents and a clean driving record is $1,736. Get two speeding tickets and the average cost hikes up to $2,474, an increase of $737 each year. Then include two accidents along with the two speeding tickets and the yearly cost of car insurance for good students jumps again to an average of $5,090. That's an increase of $3,353, or $279 per month, just for not keeping your driving record clean!

Types of discounts on Atlanta auto insurance rates

Car insurance for student drivers in Atlanta, GAInsurance companies that provide coverage for good students could also offer policy discounts that can lower rates by as much as 35% or more if you qualify. A list of car insurance companies and their offered discounts are included below.

The example below illustrates the difference between car insurance rates with and without policy discounts. The premiums assume a female driver, no violations or accidents, Georgia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, continuous coverage, paperless filing, paid-in-full, and good student discounts applied. When discounts are factored in, the average amount saved each year on car insurance for good students is 28% or $672.