Who Has Affordable Atlanta Auto Insurance Rates for Safe Drivers?

Trying to buy reasonably-priced insurance is hard enough, and deciding which insurers offer the cheapest insurance rates for safe drivers will involve more quotes for comparison. Every car insurance company uses slightly different criteria for setting rates, so let’s take a look at the insurance companies with the most affordable rates in Georgia.

It’s important that you understand Georgia insurance rates are influenced by many factors that can increase your annual premium. Simply turning a year older, having a teen driver, or getting a DUI may generate price changes that can make some companies much cheaper than others.

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What’s the cheapest car insurance in Georgia?
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $913
3 USAA $1,008
4 Central Mutual $1,169
5 MetLife $1,238
6 Georgia Farm Bureau $1,273
7 Travelers $1,292
8 Country $1,377
9 Safeco $1,397
10 Mercury $1,397
11 Allied $1,409
12 State Farm $1,446
13 California Casualty $1,577
14 Encompass $1,689
15 Progressive $1,774
16 Nationwide $1,845
17 Liberty Mutual $2,044
18 Allstate $2,202
19 GEICO $2,209
20 Victoria $2,559
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Auto-Owners offers some of the most affordable car insurance rates in Atlanta at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the cheapest Atlanta, GA car insurance companies.

In the above rates, if you buy coverage from The Hartford and switched to Auto-Owners, you might see annual savings of in the vicinity of $74. Drivers with USAA could save as much as $169 a year, and Central Mutual customers might see rate reductions of $330 a year.

Understand that those rates are averages across all insureds and vehicles and and are not calculated with an exact zip code location for safe drivers. So the car insurance company that can offer the best rates for your situation may not even be in the top 20 companies shown above. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.

One of the many things that aid in calculating car insurance rates is where you keep your vehicle. Larger areas are more likely to have higher rates, whereas less populated areas profit from lower rates.

The next table lists the most costly cities in Georgia for safe drivers to purchase car insurance in. Atlanta shows up at #2 with an annual cost of $1,377 for the average policyholder, which is about $115 monthly.

How much does car insurance cost in Atlanta, GA?
Rank City Premium Per Year
1 East Point $1,436
2 Atlanta $1,377
3 North Atlanta $1,336
4 Smyrna $1,292
5 Marietta $1,291
6 Macon $1,291
7 Dunwoody $1,281
8 Mableton $1,267
9 Roswell $1,259
10 Alpharetta $1,246
11 Sandy Springs $1,230
12 Savannah $1,227
13 Gainesville $1,220
14 Columbus $1,219
15 Augusta $1,209
16 Peachtree City $1,192
17 Athens $1,170
18 Rome $1,170
19 Warner Robins $1,161
20 Hinesville $1,157
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Information shown are comparative as specific Atlanta garaging address can modify coverage rates noticeably.

The vehicle model requiring coverage is a large factor that determines whether or not you find the best car insurance for safe drivers. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models. The table below outlines auto insurance premiums for a number of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,414
Toyota Prius $1,570
Honda CR-V LX 4WD $1,602
Ford Escape XLS 2WD $1,612
Honda Odyssey LX $1,698
Toyota Tacoma Double Cab 4WD $1,709
Dodge Grand Caravan Crew $1,714
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,731
Ford F-150 XLT Super Cab 2WD $1,736
Toyota Corolla S $1,768
Ford Edge Sport 2WD $1,774
Dodge Ram Quad Cab ST 2WD $1,867
Ford Explorer Limited 4WD $1,870
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in zip code location which can revise rates considerably.

Looking at the data, vehicles like the Honda Accord, Toyota Prius, Honda CR-V, and Ford Escape are most likely to be a few of the more affordable vehicles to insure for good drivers.

Best insurance in Georgia

Insuring your vehicle with a highly-rated car insurance company is hard considering how many different companies there are to choose from in Atlanta. The ranking information listed below can help you decide which car insurance providers to look at when comparing rates. The rankings below are only comprised of companies with a nationwide focus, so smaller companies are not factored into this list.

Best Insurance Companies for Safe Drivers in Atlanta
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
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Atlanta insurance

Insurance for good drivers in Atlanta, GACar insurance companies that offer coverage for safe drivers may have special discounts that can reduce rates by as much as 35% if you meet the requirements. Companies and the discounts they provide include:

The information below shows the difference between premium costs with and without discounts being applied to the rates. The information is based on a female driver, no claims, a clean driving record, Georgia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, homeowner, multiple policy, safe-driver, defensive driving course, and passive restraint discounts applied. When taking advantage of discounts, the average savings per year on insurance for safe drivers is 28% or $665.

Comparing rates can save you money

Atlanta, GA insurance rates are determined by lots of factors that can increase the price you pay. Getting older, getting married, or getting a couple of tickets may cause policy rate changes that can cause some rates to be affordable when they were higher priced.

Additionally, insurers change premium rates multiple times each year to adjust for heavy claims or excess profits. Significantly higher claims may cause additional price hikes, while better underwriting may produce more affordable Atlanta car insurance rates.

The data below shows the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with no violations or accidents, and solid credit. Based on his current risk factors, Auto-Owners has the best car insurance rates in Atlanta at $1,114 a year. This is $415 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the rest of the cheapest Atlanta, GA auto insurance companies.

In this example, we will give the driver from the first example an accident claim, a lower credit rating, and a few blemishes on his driving record. Because each company has a unique approach for setting rates, analyzing rate quotes will most likely result in a completely different list of the cheapest car insurance companies in Atlanta as shown below.

The Hartford now has the cheapest auto insurance in Atlanta with Travelers, USAA, Country, and State Farm also being competitive. This example demonstrates why Georgia drivers need to compare lots of rates to find the most affordable insurance quotes for safe drivers. Prices are made up of many different factors and change dramatically, so the most economical company when you last compared rates may now be quite expensive.

The agents below can help you determine which coverage meets your needs best, as some people have coverage questions and would like to get some guidance when buying car insurance for safe drivers. It’s not always simple to find the best rates on your own, so insurance agents can give satisfaction knowing your coverage gives you sufficient coverage at claim time.

To find an Atlanta insurance agent close to you, click the link after the list.

Barry Domangue – State Farm Insurance Agent
1355 Peachtree St NE Ste 103Atlanta, GA 30309(404) 853-3772

Quentin Franklin – State Farm Insurance Agent
587 Virginia Ave NE Unit 3AAtlanta, GA 30306(404) 575-4147

Allstate Insurance: Arlisher Jones
1176 Ralph David Abernathy Blvd SWAtlanta, GA 30310(404) 752-7056

View more Atlanta, GA insurance agencies

How to find the cheapest auto insurance for safe drivers

The list below summarizes many thrifty ideas that can help Atlanta drivers quote cheap car insurance.

That last tip is very significant, as was pointed out in the prior information. Prices charged by car insurance companies change a lot, so don’t be tentative to switch carriers if a cheaper price is available.

We understand brand loyalty, but we do not recommend it if that devotion results in you overpaying a small fortune. Now is a great time to compare rates to find cheaper insurance for safe drivers in Atlanta.