The vehicle you are seeking coverage for is probably the biggest factor when consumers are trying to find low-cost car insurance for first-time drivers. Vehicles with lower performance, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models.
The next table illustrates auto insurance prices for a number of the cheaper vehicles to insure in Georgia.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$5,382|
|Hyundai Elantra GLS Touring Station Wagon||$5,388|
|Honda CR-V EX-L 4WD||$5,434|
|Ford Edge SE 2WD||$5,993|
|Jeep Wrangler Rubicon 4WD 2-Dr||$6,045|
|Ford Explorer XLT AWD||$6,052|
|Ford F-150 XL Crew Cab 4WD||$6,097|
|Volkswagen Jetta 2.0T Station Wagon||$6,166|
|Ford Focus SE 4-Dr Sedan||$6,333|
|Chevrolet Malibu LS||$6,385|
|Chevrolet Equinox LT AWD||$6,390|
|Toyota RAV4 4WD||$6,385|
|GMC Sierra SLE Crew Cab 2WD||$6,393|
|Chevrolet Impala LT||$6,385|
|Dodge Grand Caravan Crew||$6,437|
|Honda Odyssey EX-L||$6,725|
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location which can impact price quotes considerably.
Looking at the data, we can infer that makes and models like the Ford Escape, Hyundai Elantra, Honda CR-V, and Toyota Prius are most likely going to be a few of the more affordable vehicles to insure for new drivers. Auto insurance rates will be more costly because of the fact that there is more claim exposure for first-time drivers, but in general those makes and models will have the best insurance prices possible.
Determining which company offers the cheapest auto insurance rates for first-time drivers calls for a bit more work in order to find a policy that fits your budget. Each company uses a slightly different approach for setting prices, so let’s rank the auto insurance companies with the overall best prices in Georgia.
Find the Cheapest Car Insurance for Inexperienced Drivers
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,260|
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Auto-Owners generally has some of the most affordable car insurance rates in Atlanta at around $839 per year. This is $690 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also are some of the most economical Atlanta, GA auto insurance companies.
As shown in the table above, if you are currently insured with MetLife and switched to The Hartford, you could realize an annual premium reduction of roughly $331. Policyholders with Georgia Farm Bureau could save as much as $365 a year, and Travelers policyholders might realize rate reductions of up to $397 a year.
To get a quick, customized rate comparison, click here to start a quote or visit any of the low-priced companies below.
Understand that those estimates are averaged for all drivers and vehicles and do not factor in a specific vehicle garaging location for first-time drivers. So the car insurance company that fits your situation best may not even be in the list above. That is why you need to get car insurance quotes using your own specific driver information and vehicle.
Get discount Atlanta car insurance
Insurance providers that sell policies for first-time drivers may also provide premium discounts that can reduce rates by as much as 35% or more if you meet specific criteria. The best auto insurance companies and their possible discounts include:
- GEICO may have discounts that include daytime running lights, emergency military deployment, good student, membership and employees, five-year accident-free, and federal employee.
- MetLife offers discounts for defensive driver, accident-free, multi-policy, claim-free, and good student.
- State Farm includes discounts for Drive Safe & Save, accident-free, anti-theft, safe vehicle, and good driver.
- Progressive discounts include homeowner, continuous coverage, good student, online quote discount, online signing, and multi-vehicle.
- Mercury Insurance may offer discounts for accident-free, type of vehicle, good student, anti-theft, and good driver.
- 21st Century offers discounts including theft prevention, driver training, teen driver, defensive driver, and air bags.
- Allstate has discounts for resident student, anti-theft, FullPay discount, economy car, teenSMART discount, auto/life discount, and good payer.
The diagram below illustrates the difference between annual premium costs with and without discounts applied. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with good student, vehicle safety, continuous coverage, anti-theft, paperless filing, and passive restraint discounts applied. When discounts are applied, the average savings per year on auto insurance for first-time drivers is 28% or $557.
The information below highlights how deductible choice can raise or lower insurance rates when getting quotes for cheap insurance for first-time drivers. The prices are based on a married female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower rates by $374 a year by changing from a $100 deductible up to a $500 deductible, or save $564 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could drop their prices $930 or even more by selecting a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is essential to have enough savings set aside to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Low rates today, overpriced tomorrow
Atlanta auto insurance rates are determined by lots of factors that can increase the price of coverage. Turning one year older, buying another vehicle, or getting a speeding ticket may generate price changes that may make certain companies cheaper than others. Not only may your risk profile change, but insurers change the rates they charge in Georgia without warning to reflect underwriting profits or losses. An unexpected high level of claims may result in higher priced premiums, while a lower level of claims may cause cheaper Atlanta car insurance rates.
The data below demonstrates which company has the cheapest car insurance in Atlanta, GA for a 35-year-old male driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on his current situation, Auto-Owners has the best car insurance rates in Atlanta at $1,172 each year. This is $357 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife round out the rest of the best Atlanta, GA auto insurance companies.
Now we will pretend the driver from the above example an at-fault accident, a lower credit rating, and a speeding ticket. Since each auto insurer uses their own calculation for establishing rates, getting updated rate quotes will most likely result in a substantially altered list of companies as shown below.
The Hartford now has the cheapest insurance rate in Atlanta with Travelers, Country, Mercury, and Allied also having competitive pricing. This shows why Georgia drivers need to compare lots of rates when trying to get the most budget-friendly auto insurance quotes for first-time drivers.
Insurance rates are determined by many factors and can decrease or increase without notice, so the best price two years ago may now be one of the more expensive options.
If you have questions and prefer to get help from a professional when comparing insurance rates for new drivers, the agents shown below are willing to aid you in deciding which insurance coverage will be best for you.
To find an Atlanta insurance agent by location nearest to you, click the button below the list or click here to compare prices now.
- Carter Nicholson – State Farm Insurance Agent
3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739
- Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623
- Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881
- Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847
- Jerome Johnson, Sr. – State Farm Insurance Agent
3101 Clairmont Rd b – Atlanta, GA 30329 – (404) 321-6688