How Much is Atlanta Auto Insurance for Drivers Requiring a SR22?

The make and model of vehicle on the policy is a significant factor when comparing quotes for low-cost car insurance for drivers requiring a SR22. Vehicles with lower acceleration and performance, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models.

The table below presents insurance rates for the most affordable automobiles to insure in Georgia.

Cheapest Vehicles to Insure in Atlanta, GA
Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $4,855
Ford Escape XLS 4WD $5,002
Honda CR-V EX-L 2WD $5,120
Toyota Prius $5,444
Chevrolet Impala LT $5,752
Ford Explorer Eddie Bauer AWD $5,807
Honda Civic DX 4-Dr Sedan $5,918
Nissan Altima 2.5 4-Dr Sedan $5,926
Volkswagen Jetta S 4-Dr Sedan $5,984
Toyota RAV4 Limited 4WD $5,992
Chevrolet Equinox LS AWD $5,984
Jeep Grand Cherokee Laredo 4WD $5,992
Chevrolet Malibu LT $5,984
Honda Odyssey EX-L $6,012
Toyota Camry SE $6,022
Toyota Tacoma Double Cab TRD Sport Package 4WD $6,049
Dodge Grand Caravan Crew $6,059
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Data variables include single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific location which can increase or decrease insurance rates greatly.

Looking at the data, we can presume that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius are likely to be the cheapest vehicles to insure for high risk drivers. Rates will tend to be more expensive just because there is more claim exposure for drivers requiring a SR22, but overall those particular vehicles will probably have the lowest prices compared to other vehicles.

One of the many components that determine the amount you pay for auto insurance is your address. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with less crime or weather claims benefit from lower coverage costs.

The table below shows the priciest cities in Georgia for drivers requiring a SR22 to buy car insurance in. Atlanta is listed at #2 with a yearly premium of $1,405 for the average insurance policy, which is approximately $117 monthly.

How much is auto insurance in Atlanta, GA?
Rank City Average Per Year
1 East Point $1,436
2 Atlanta $1,405
3 North Atlanta $1,297
4 Smyrna $1,292
5 Dunwoody $1,281
6 Macon $1,279
7 Sandy Springs $1,268
8 Mableton $1,254
9 Marietta $1,253
10 Roswell $1,235
11 Alpharetta $1,234
12 Columbus $1,206
13 Savannah $1,203
14 Augusta $1,185
15 Gainesville $1,184
16 Rome $1,170
17 Peachtree City $1,156
18 Albany $1,154
19 Martinez $1,152
20 Hinesville $1,145
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Premium amounts are estimated as zip code location can revise premium rates significantly.

Bad driving habits will cost you more

A great way to snag good auto insurance premiums for high risk drivers is to be a cautious driver and not receive tickets or have accidents. The information below demonstrates how citations and fender-benders can drive up insurance prices for each age group. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of a car insurance policy in Atlanta per year with no accidents and a clean driving record is $1,424. Get two speeding tickets and the average cost rises to $2,018, an increase of $594 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for drivers requiring a SR22 goes up to an average of $4,338. That’s an increase of $2,914, or $243 per month, just for being a less-than-perfect driver!

Georgia auto insurance company ratings

Selecting a good quality auto insurance company is hard considering how many different insurance companies sell coverage in Georgia. The company information displayed below may help you choose which auto insurance companies to look at comparing prices from. These ratings are for large, nationwide insurance companies, so companies that focus mainly on Georgia business are not included in these rankings.

Atlanta, GA Auto 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: Best Car Insurance Companies

Why you should shop around

Georgia auto insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Getting older, buying a different home, or getting caught speeding may generate price changes resulting in some companies being more affordable than others. Also, insurance companies amend premium rates every year in order to maintain liquidity for claims. Heavy losses may result in additional price hikes, while a better loss history may cause more affordable Atlanta car insurance rates.

For example, the data below shows the company with the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with no prior claims, no tickets, and good financial standing. When quoting prices based on his current risk factors, Auto-Owners may offer the most affordable car insurance rates in Atlanta at $1,103 each year. This is $426 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the rest of the top five cheapest Atlanta, GA auto insurance companies.

In this example, we will give the driver in the first chart a chargeable claim, a little lower credit rating, and a stop sign violation. Since each insurance company has a proprietary formula for setting prices, analyzing rates will most likely result in a slightly different list of affordable companies as shown below.

USAA now has the best insurance rate in Atlanta, GA with Travelers, The Hartford, Safeco, and Mercury now rounding out the top five. This example shows why consumers need to compare many different companies when trying to get the most economical insurance rates for drivers requiring a SR22. Insurance rates are determined by many different factors and can change substantially, so the best price the last time you shopped your coverage around may now be quite expensive.

How to find low-cost insurance for drivers requiring a SR22

It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help drivers find cheap car insurance.

The last suggestion is notably significant, as was discussed in the prior information. Coverage rates can change significantly in a year, so drivers shouldn’t be reluctant to change to a new company if a better deal can be had. Many drivers prefer to stick with one company, but it’s not a great idea if your bullheadedness ends up costing you hundreds of dollars a year. Now is a great time to shop around and find cheaper car insurance for drivers requiring a SR22 in Atlanta.