The vehicle model needing coverage is probably the largest consideration in finding cheaper car insurance for college graduates. Vehicles with limited speed and performance, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models.
The data below shows coverage premiums for a number of the most cost-effective vehicles to insure in Georgia.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,633|
|Ford F-150 STX Super Cab 4WD||$1,636|
|Ford Escape XLT 4WD||$1,671|
|Chevrolet Malibu LS||$1,690|
|Ford Explorer Eddie Bauer AWD||$1,722|
|Honda Accord EX-L 4-Dr Sedan||$1,774|
|Ford Edge Sport AWD||$1,777|
|Ford Fusion SEL 4-Dr Sedan||$1,809|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,816|
|Jeep Grand Cherokee SRT-8 4WD||$1,809|
|GMC Sierra SLE Regular Cab 4WD||$1,814|
|Volkswagen Jetta S 2.5 Station Wagon||$1,901|
|Ford F-250 XL Crew Cab 2WD||$1,931|
|Toyota Camry Hybrid||$1,936|
|Toyota RAV4 Limited 2WD||$1,937|
|Dodge Grand Caravan SXT||$1,972|
|Toyota Tacoma 2WD||$2,032|
|Ford Focus S 4-Dr Sedan||$2,038|
|Honda Odyssey Touring||$2,072|
|Chevrolet Silverado LS Extended Cab 4WD||$2,078|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$2,072|
|Chevrolet Equinox LT 2WD||$2,082|
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in zip code location which can decrease or increase coverage rates greatly.
Looking at the numbers, you can conclude that vehicles like the Honda CR-V, Ford F-150, Ford Escape, and Chevrolet Malibu are the cheapest vehicles to insure for college grads.
For college grads, one of the more important components that aid in calculating insurance cost is where your car is garaged in Atlanta. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas more rural areas profit from lower rates.
The illustration below lists the highest-priced places in Georgia for college graduates to buy auto insurance in. Atlanta makes the list at #2 with a yearly cost of $1,405 for the average insured, which is around $117 each month.
|Rank||City||Average Per Year|
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Price information shown is approximated as the garaging address in Atlanta can alter insurance rates greatly.
Ending up with the best insurance company can be a challenge considering how many companies sell coverage in Georgia. The ranking information below can help you analyze which car insurance providers to look at purchasing a policy from.
The rankings below are only comprised of companies that insure vehicles nationwide, so smaller companies will not be included in the list. If you’d like to compare prices and find cheaper insurance for college graduates, click this link.
Top 10 Major Auto Insurance Providers Overall in Atlanta
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Types of discounts on Atlanta auto insurance rates
Insurance companies that offer coverage for college graduates may provide premium discounts that could reduce prices by as much as 35% if you qualify. A few popular companies and some of the discounts are shown below.
- AAA may include discounts for multi-policy, good driver, anti-theft, multi-car, education and occupation, good student, and AAA membership discount.
- Progressive offers discounts including online quote discount, multi-policy, online signing, good student, and continuous coverage.
- State Farm offers discounts for Steer Clear safe driver discount, passive restraint, defensive driving training, anti-theft, multiple autos, and safe vehicle.
- Esurance has savings for Pac-12 alumni, anti-lock brakes, multi-car, Switch & Save, and safety device.
- Nationwide discounts include business or organization, family plan, anti-theft, good student, Farm Bureau membership, and accident-free.
The illustration below visualizes the comparison of insurance rates with and without discounts applied to the premium. Data assumes a male driver, no accidents, no driving violations, Georgia state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, vehicle safety, safe-driver, claim-free, passive restraint, and defensive driving course discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for college graduates is 28% or $840.
How violations and accidents impact rates
The common sense way to get cheap auto insurance premiums for college grads is to drive attentively and avoid tickets and accidents. The example below demonstrates how citations and accidents can increase car insurance rates for different insured age categories. The costs are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The data above shows the average cost of car insurance in Atlanta per year with a clean driving record and no accidents is $2,907. Get written up for two speeding tickets and the average cost swells to $3,918, an increase of $1,011 each year. Now add in one accident along with the two speeding tickets and the annual cost of auto insurance for college graduates jumps again to an average of $4,940. That’s an increase of $2,033, or $169 per month, just for a couple of infractions!
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when trying to find lower insurance rates for college graduates, the agents below can probably help you make a decision which insurance coverage you need. To find an Atlanta insurance agent close to you, click the button at the bottom or click here to compare prices now.
- Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448
- Yates Insurance Agency
2800 Century Pkwy NE #300 – Atlanta, GA 30345 – (404) 633-4321
- Danny Gibson State Farm Insurance Agent
215 Piedmont Ave NE #1 – Atlanta, GA 30308 – (404) 524-2292