Who Has Affordable Car Insurance for Active Military in Atlanta?

Determining which companies offer the most affordable car insurance rates for active military may require a little more effort than just quoting one company’s rates.

Every insurance provider uses their own calculation to set their prices, so we will examine the overall cheapest car insurance companies in Georgia.

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Cheapest Georgia car insurance ranked by price
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $922
3 USAA $998
4 Central Mutual $1,193
5 MetLife $1,226
6 Georgia Farm Bureau $1,299
7 Travelers $1,331
8 Mercury $1,369
9 State Farm $1,404
10 Allied $1,409
11 Safeco $1,411
12 Country $1,419
13 California Casualty $1,531
14 Encompass $1,673
15 Progressive $1,791
16 Nationwide $1,883
17 Liberty Mutual $2,004
18 GEICO $2,143
19 Allstate $2,202
20 Victoria $2,585
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Auto-Owners offers some of the most affordable car insurance rates in Atlanta at around $839 annually. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the most economical Atlanta, GA auto insurance companies.

As shown above, if you are a policyholder with MetLife and switched to The Hartford, you could see a yearly price reduction of upwards of $304. Customers with Georgia Farm Bureau could save as much as $377 a year, and Travelers insureds might see rate reductions of $409 a year.

To find the cheapest rates for your vehicle, click here to start your custom quote or click through to the companies below.

These rates are averages across all insureds and vehicles and do not factor in a specific vehicle garaging location for active military. So the company that fits your situation best may not even be in the top 20 companies shown above. That illustrates why you need to compare rates from multiple companies using your own individual information.

One of the many things that are used to help calculate the annual cost of car insurance is where you live in Atlanta. Regions with more people or even just more weather-related claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.

The following table ranks the highest-priced places in Georgia for active military to purchase car insurance in. Atlanta is listed at #2 costing $1,405 for coverage, which is approximately $117 monthly.

How much does auto insurance cost in Atlanta?
Rank City Average Per Year
1 East Point $1,480
2 Atlanta $1,405
3 North Atlanta $1,349
4 Dunwoody $1,307
5 Smyrna $1,292
6 Sandy Springs $1,280
7 Marietta $1,279
8 Columbus $1,256
9 Mableton $1,254
10 Macon $1,253
11 Alpharetta $1,234
12 Savannah $1,227
13 Roswell $1,222
14 Augusta $1,221
15 Gainesville $1,220
16 Rome $1,206
17 Peachtree City $1,168
18 Athens $1,158
19 Albany $1,142
20 Martinez $1,130
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Premium amounts are approximated as the garaging address in Atlanta can raise or lower prices significantly.

Impact of citations and accidents on Atlanta insurance rates

The obvious way to score affordable car insurance prices for military personnel is to drive cautiously and avoid accidents and traffic citations. The illustration below shows how violations and accident claims increase insurance costs for each different age category. The data is based on a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the example above, the average cost of a car insurance policy in Georgia per year with a clean driving record and no accidents is $1,923. Factor in two speeding tickets and the average cost surges to $2,661, an increase of $738 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of car insurance for active military goes up to an average of $5,278. That’s an increase of $3,354, or $280 per month, just for not paying attention while driving!

Atlanta car insurance company ratings

Buying coverage from the best insurance company can be challenging considering how many companies sell insurance in Atlanta. The company ratings shown next can help you select which auto insurers you want to consider purchasing coverage from. The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for this list.

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
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Data Source: Insure.com Best Car Insurance Companies

Why it’s important to shop around

Georgia car insurance rates are impacted by many factors which can substantially decrease or increase the cost of coverage. Simply getting older, increasing deductibles, or having an accident may generate price changes that can cause some rates to be more affordable than before. Not only may things change on your end, but insurers amend premium rates as often as every quarter to adjust for unexpected claims or profits. Significantly higher claims may cause more expensive premiums, while less frequent claims may produce lower-priced Atlanta car insurance rates.

As an example, the data below shows the companies that have the cheapest car insurance in Atlanta, GA for a 30-year-old female driver with a good driving record, no prior claims, and a good credit history. If we estimate prices based on her current risk profile, Auto-Owners offers the best car insurance rates in Atlanta at $1,148 a year. This is $381 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the cheapest Atlanta, GA auto insurance companies.

Now we will pretend the driver from the first example a claim, poor credit, and a couple of points charged on her driving record. Because each insurer has a unique approach to determining premium rates, comparing insurance quotes may result in a significantly different list of companies as shown below.

Georgia Farm Bureau now has the cheapest auto insurance in Atlanta with USAA, The Hartford, Safeco, and State Farm also having competitive pricing. This illustrates why it is critical to shop around when trying to get the most budget-friendly car insurance rates for active military.

Prices are influenced by many things and change substantially, so the cheapest company two years ago may now be one of the higher cost companies.

How to find more affordable insurance for active military

The list below details a few money-saving ideas that can help you get lower-cost coverage.

The last suggestion is highly crucial, as was noted in this piece. Prices charged by companies vary considerably, so don’t be tentative to change to a new company if a better deal can be had.

Sticking with a specific company is fine, but it’s not a great idea if that inflexibility results in costing you a fortune every year. If you have a few minutes, compare rates and find cheaper auto insurance for active military in Atlanta.

The agents shown below are a good start to help you determine which coverages and limits you need, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for active military. It can be difficult to find the best coverage yourself, and insurance agents licensed in the state of Georgia can give satisfaction knowing your coverage gives you adequate asset protection.

To locate an Atlanta car insurance agency closest to you, click the button below the list or click here to compare price quotes.

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