Who Has Affordable Auto Insurance for Veterans in Atlanta?

For veterans, one of the largest considerations that are used to help calculate the cost of insurance is where your residence is. Areas with increased crime or more people are more likely to have higher rates, whereas more rural areas benefit from lower coverage costs.

The table below sorts the highest-priced areas in Georgia for veterans in which to purchase auto insurance. Atlanta is listed at #2 costing $1,419 for the average policyholder, which is approximately $118 per month.

Car insurance prices in Atlanta
Rank City Premium Per Year
1 East Point $1,480
2 Atlanta $1,419
3 North Atlanta $1,310
4 Dunwoody $1,307
5 Smyrna $1,292
6 Marietta $1,291
7 Alpharetta $1,284
8 Sandy Springs $1,268
9 Roswell $1,259
10 Mableton $1,254
11 Columbus $1,243
12 Macon $1,241
13 Rome $1,206
14 Peachtree City $1,204
15 Savannah $1,203
16 Gainesville $1,196
17 Augusta $1,173
18 Warner Robins $1,161
19 Albany $1,154
20 Hinesville $1,145
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Annual rates are comparative as the vehicle garaging location can change insurance rates substantially.

The type of vehicle to be insured is a large factor when comparison shopping for the most economical coverage for veterans. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than safer models. The table below showcases auto insurance prices for a number of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,448
Honda CR-V EX 4WD $1,481
Honda Accord LX 4-Dr Sedan $1,584
Ford Escape XLT 4WD $1,679
Ford Edge SEL 2WD $1,682
Toyota Camry LE $1,714
Ford Explorer Limited 2WD $1,747
Toyota Prius $1,763
Ford Focus SEL 4-Dr Sedan $1,774
Chevrolet Impala LS $1,836
Kia Optima LX $1,844
Dodge Grand Caravan Hero $1,874
Toyota Tacoma 2WD $1,891
Volkswagen Jetta 2.0T Station Wagon $1,901
Chevrolet Equinox LT 2WD $1,934
Toyota RAV4 Sport 2WD $1,944
Toyota Camry Hybrid $1,961
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify price quotes noticeably.

Looking at the data, you can assume that makes and models like the Hyundai Elantra, Honda CR-V, Honda Accord, Ford Escape, and Ford Edge are likely to be the cheapest vehicles to insure for veterans.

Buying coverage from a high-quality insurance provider is difficult considering how many different companies sell coverage in Atlanta. The company ratings below can help you analyze which auto insurance companies to look at when looking for cheaper rates.

These ratings only include companies with a national presence, so smaller companies that only insure vehicles in Georgia are not factored into this list. If you wish to compare rates from these companies and more, just click here.

Top 15 Insurance Companies for Veterans in Atlanta, GA
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

Does it make sense to buy full coverage?

Saving on insurance is important to the majority of drivers, and one of the easiest ways to pay less for insurance for veterans is to only buy liability coverage. The chart below shows the comparison of annual premium costs with full coverage and liability only. The data is based on no violations or claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.

If we average all the age groups together, full coverage costs $2,063 per year over liability only. At some point, almost every driver questions when is it safe to stop buying full coverage. There is no exact formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying your policy deductible. If premium cost is more than $400 a year for full coverage, then you might want to think about dropping full coverage.

How to find budget-friendly car insurance for veterans

The list below details a few thrifty ideas that can help drivers get cheaper car insurance.

The last tip in the list is extraordinarily crucial, as was emphasized in the prior article. Car insurance rates can be adjusted at any time, so don’t hesitate to change to a new company if a better deal can be had.

Having brand loyalty is commendable, but is isn’t recommended if that loyalty ends up costing a small fortune year after year. It only take a few minutes to shop around to find cheaper auto insurance for veterans in Atlanta.

If you have questions and prefer to get some guidance when comparing insurance rates for veterans, the professional agents shown below are a good start to help you determine which auto insurance policy fits you best. To find an Atlanta insurance agent by location nearest to you, click the button below the list or click here to compare prices now.

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