How Much is Auto Insurance for Single Moms in Atlanta?

For single parents, one of the big factors that help determine the amount you pay each year for auto insurance is where you live. Cities with more crime and/or more people will most likely pay more, whereas less populated areas have the enjoyment of a little cheaper coverage.

The following table sorts the most expensive places in Georgia for single moms to buy an auto insurance policy in. Atlanta ranks #2 with an annual cost of $1,405 for the average policy, which is around $117 each month.

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 $1,349
4 Dunwoody $1,320
5 Mableton $1,306
6 Macon $1,291
7 Sandy Springs $1,280
8 Roswell $1,272
9 Marietta $1,253
10 Alpharetta $1,246
11 Columbus $1,243
12 Smyrna $1,242
13 Savannah $1,239
14 Gainesville $1,232
15 Rome $1,218
16 Augusta $1,173
17 Peachtree City $1,168
18 Warner Robins $1,149
19 Athens $1,136
20 Martinez $1,118
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Premium costs are approximated as specific Atlanta garaging address can revise auto insurance rates significantly.

Deciding which insurers offer the cheapest insurance rates for single moms will take a little more work in order to find the best price. Each auto insurer has their own process for determining rates in each state, so let’s rank the most affordable insurance companies in Georgia.

We do need to point out that Atlanta insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Improving your credit rating, having a claim, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being more affordable than others.

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Georgia car insurance ranked by cost per year
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $913
3 USAA $998
4 Central Mutual $1,169
5 MetLife $1,264
6 Georgia Farm Bureau $1,273
7 Travelers $1,292
8 Safeco $1,355
9 Mercury $1,355
10 Country $1,377
11 State Farm $1,404
12 Allied $1,467
13 California Casualty $1,515
14 Encompass $1,623
15 Progressive $1,774
16 Nationwide $1,883
17 Liberty Mutual $2,004
18 GEICO $2,143
19 Allstate $2,180
20 Victoria $2,483
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Auto-Owners normally has some of the most affordable car insurance rates in Atlanta at around $855 each year. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the best Atlanta, GA insurance companies.

As the rates illustrate above, if you have coverage with The Hartford and switched to Auto-Owners, you could see a yearly price reduction of approximately $58. Drivers with USAA could save as much as $143 a year, and Central Mutual insureds might lower prices by $314 a year.

To find cheaper insurance rates for your vehicle, click here to get quotes or click through to the companies below.

Understand that those policy rates are averages for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for single moms. So the insurer that fits your needs best may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

The vehicle you are seeking coverage for is probably the most important factor that determines if you can find cheap coverage for single moms. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The next table showcases insurance rates for a handful of the cheaper vehicles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,429
Ford Escape XLT 4WD $1,462
Honda Accord EX 4-Dr Sedan $1,633
Ford Focus S 4-Dr Sedan $1,657
Chevrolet Impala LT $1,690
Toyota RAV4 Limited 4WD $1,696
Chevrolet Equinox LT AWD $1,690
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,722
Dodge Grand Caravan Crew $1,730
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,750
Hyundai Elantra GLS Touring Station Wagon $1,752
Ford Edge Sport AWD $1,777
Toyota Corolla XLE $1,786
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can increase or decrease coverage prices substantially.

By looking at the data, you can expect vehicles like the Honda CR-V, Ford Escape, Honda Accord, and Ford Focus are most likely going to be the cheapest vehicles to insure for single parents.

The example below illustrates how choosing a deductible can raise or lower insurance costs when searching for cheap insurance for single moms. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 50-year-old driver could lower rates by $312 a year by switching from a $100 deductible to a $500 deductible, or save $472 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could drop their prices as much as $790 or more by using higher deductibles when buying full coverage.

When using a larger deductible, it will be required to have additional savings on hand to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

How much more does full coverage cost?

Finding cheaper insurance should be important to most vehicle owners, and an easy way to pay lower rates for insurance for single moms is to only pay for liability coverage. The illustration below illustrates the comparison of insurance premiums with and without physical damage coverage. Data assumes no accidents, no driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

As an overall average, full coverage on your policy costs $2,471 per year over and above liability coverage. At some point, every insured wonders if physical damage coverage is worth the money. There is no clear-cut formula of when to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Reckless driving habits raise insurance rates

The best way to obtain the cheapest insurance prices in Georgia for single parents is to be a good driver and not get tickets or have accidents. The chart below shows how traffic citations and fender-benders drive up yearly insurance costs for different categories of driver ages. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

In the prior example, the average cost of car insurance per year with a clean driving record and no accidents is $1,923. Receive one speeding ticket and the average cost rises to $2,207, an increase of $284 each year. Next add two accidents along with the one speeding ticket and the yearly cost of insurance for single moms increases to an average of $4,593. That’s an increase of $2,670, or $223 per month, just for a couple of infractions!