Who Has Affordable Car Insurance for Drivers with Accidents in Atlanta?

It’s hard to avoid all the commercials from companies like Progressive and Farmers that make promises of big savings, so you should just pick the company with the best ad, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknown aspects such as your credit rating, whether you are a man or a woman, and what level of deductibles you need, that all impact the cost of your policy. If you keep reading, we will teach you about the best ways to find cheap car insurance and educate you enough to have a good start to your coverage search.

For drivers with at-fault accidents, one of the big factors that are used to help calculate car insurance rates is where you keep your vehicle. Areas with a lot of weather claims or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.

The table below lists the priciest cities in Georgia for drivers with accidents in which to buy car insurance. Atlanta is listed at #2 having an annual price of $1,405 for the average policy, which is about $117 each month.

How much does car insurance cost in Atlanta, GA?
Rank City Annual Rate
1 East Point $1,436
2 Atlanta $1,405
3 North Atlanta $1,310
4 Alpharetta $1,272
5 Dunwoody $1,268
6 Roswell $1,259
7 Smyrna $1,254
8 Mableton $1,254
9 Macon $1,253
10 Marietta $1,241
11 Gainesville $1,232
12 Sandy Springs $1,230
13 Savannah $1,227
14 Columbus $1,219
15 Rome $1,218
16 Peachtree City $1,192
17 Augusta $1,173
18 Martinez $1,164
19 Athens $1,158
20 Hinesville $1,157
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Premium amounts are estimated as zip code location can modify rates greatly.

The vehicle model requiring coverage is one of the largest considerations when comparing low-cost car insurance for drivers with accidents. Vehicles with more horsepower, poor safety ratings, or a history of substantial liability claims will cost more to insure than more economical and safe models. The list below outlines car insurance premiums for the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in Atlanta, GA
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $3,448
Honda CR-V EX-L 4WD $3,491
Honda Odyssey LX $3,833
Dodge Grand Caravan SE $3,876
Jeep Wrangler Sahara 4WD 2-Dr $3,881
Toyota Prius $3,985
Ford Explorer XLT 4WD $4,047
Ford Edge Limited 2WD $4,056
Toyota RAV4 Limited 2WD $4,090
Jeep Grand Cherokee Laredo 2WD $4,097
Ford F-150 XLT Crew Cab 4WD $4,134
Chevrolet Equinox LT AWD $4,275
Toyota Tacoma Double Cab 4WD $4,340
Nissan Altima 3.5 SR 4-Dr Sedan $4,348
Kia Optima LX $4,421
Hyundai Elantra Blue 4-Dr Sedan $4,451
Toyota Corolla XRS $4,548
Chevrolet Impala LTZ $4,554
Chevrolet Malibu LTZ $4,548
Volkswagen Jetta 2.0T 4-Dr Sedan $4,603
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Above prices assume single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific location which can increase or decrease premium rates greatly.

Looking at the rates, you can presume that vehicles like the Ford Escape, Honda CR-V, and Honda Odyssey will be a few of the less-costly vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will tend to be more expensive anyway because of the fact that there is more claim risk for drivers with accidents, but generally speaking those makes and models will tend to have the best insurance prices compared to all other vehicles.

Figuring out which company quotes the cheapest insurance rates for drivers with accidents involves a bit more work in order to find coverage that fits your budget.

Each insurer uses a little different formula for determining rates, so let’s look at the rankings for the overall cheapest insurance companies in Atlanta.

Best Cheap Insurance Rates for Accident Prone Drivers

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Rankings for the cheapest Georgia auto insurance companies
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $886
3 USAA $968
4 Central Mutual $1,193
5 MetLife $1,226
6 Georgia Farm Bureau $1,273
7 Travelers $1,331
8 Safeco $1,369
9 Country $1,377
10 Mercury $1,397
11 Allied $1,409
12 State Farm $1,446
13 California Casualty $1,577
14 Encompass $1,673
15 Progressive $1,774
16 Nationwide $1,883
17 Liberty Mutual $2,004
18 GEICO $2,231
19 Allstate $2,268
20 Victoria $2,559
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Auto-Owners may have some of the lowest car insurance rates in Atlanta at around $839 per year. The Hartford, USAA, Central Mutual, and MetLife also are some of the most economical Atlanta, GA car insurance companies.

As shown in the table above, if you are currently insured with Central Mutual and switched to Auto-Owners, you could realize savings of around $354. Drivers with MetLife might save as much as $387 a year, and Georgia Farm Bureau insureds might lower prices by up to $434 a year.

Be aware that those policy rates are averages for all drivers and vehicles in Georgia and do not take into consideration a specific vehicle garaging location for drivers with accidents. So the auto insurance company that can offer you the best rate may not even be in the top 20 companies in the list above. That’s why you need to quote rates from many companies using your own specific driver and vehicle information.

How to get discounts on Atlanta insurance

Save on insurance for drivers with at-fault accidents in AtlantaInsurance companies that provide coverage for drivers with accidents may additionally offer policy discounts that may potentially lower prices by 25% or more if you meet certain criteria. Large insurance companies and their possible discounts are detailed below.

The example below compares insurance prices with and without discounts applied to the policy premium. The information is based on a male driver, one accident and no traffic tickets, Georgia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, paperless filing, continuous coverage, homeowner, multiple policy, and marriage discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for drivers with accidents is 28% or $839.

The example below highlights how deductible selection can affect insurance prices when researching cheap insurance for drivers with accidents. The data assumes a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

The chart above illustrates that a 40-year-old driver could reduce rates by $274 a year by switching from a $100 deductible up to a $500 deductible, or save $414 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can cut as much as $912 or even more by using higher deductibles when buying full coverage. When using a larger deductible, it will be required to have enough savings to be able to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Tips to find budget-friendly car insurance for drivers with accidents

Here are some thrifty ideas that can help drivers quote cheaper coverage.

The final tip is extraordinarily critical, as we noted in this piece. Prices charged by companies in Atlanta fluctuate constantly, so don’t be tentative to switch companies if a more affordable price is available.

Having brand loyalty is commendable, but is isn’t recommended if your bullheadedness ends up costing you lots of hard earned cash every month. In less than five minutes you could compare prices to find cheaper insurance for drivers with accidents.