Figuring out which company has the lowest-priced car insurance rates in Atlanta will involve a little more work than just comparing rates from one or two companies. Each company uses a little different formula to establish rates, so let’s look at the rankings for the lowest cost car insurance companies in Atlanta.
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,260|
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Auto-Owners may offer some of the most affordable car insurance rates in Atlanta at around $855 a year. This is $674 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the lowest-priced Atlanta, GA insurance companies.
As shown in the table above, if you have coverage with Central Mutual and switched to Auto-Owners, you might see yearly savings of in the neighborhood of $350. Insureds with MetLife might save as much as $383 a year, and Georgia Farm Bureau policyholders might realize rate reductions of up to $405 a year.
To compare your rates to other Georgia insurance companies, click here to start your free quote or quote rates from the companies below.
Understand that those rates are averages for all insureds and vehicles and do not factor in a vehicle location in Atlanta. So the car insurance company that has the lowest price for you may not even be in the top 20 companies shown above. That emphasizes why you need to get quotes using your own personalized driver profile and vehicle information.
For drivers in Atlanta, one of the big criteria that help determine the cost of insurance is the neighborhood you call home. Cities with larger populations will most likely pay more, whereas more rural areas have the enjoyment of a little cheaper coverage.
The next table shows the most costly cities in Georgia to buy an auto insurance policy in. Atlanta is ranked at #2 costing $1,363 for the average policyholder, which is approximately $114 each month.
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Rate information is approximated as the garaging address in Atlanta can change rates significantly.
The benefit of shopping around
Georgia car insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. Simply having another birthday, buying a different home, or getting a few speeding tickets may prompt premium changes that can cause some rates to be cheaper than before. In addition, insurance companies modify rates multiple times each year as an adjustment for underwriting gains or losses. Heavier than normal losses may cause additional price hikes, while better underwriting may result in cheaper Atlanta car insurance rates.
For instance, the graph below shows which company has the cheapest car insurance in Atlanta, GA for a 35-year-old male driver with no accidents or violations, and a good credit rating. Based on his personal risk profile, Auto-Owners may have the lowest car insurance rates in Atlanta at $1,184 each year. This is $345 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining most affordable Atlanta, GA auto insurance companies.
Now we will give the driver in the first chart an accident claim, a lower credit rating, and a few traffic violations. Due to the fact that every auto insurer has their own guidelines to set their prices, comparing rates most likely will result in a slightly different list of the cheapest car insurance companies in Atlanta as shown below.
The Hartford now has the lowest car insurance rate in Atlanta with Travelers, Mercury, USAA, and Allied also having competitive pricing. This example illustrates why it is critical to perform a complete rate comparison when trying to get the best car insurance rates in Atlanta.
Insurance prices can be determined by many different factors and change frequently, so the lowest-price company when you bought your policy may now be quite expensive.
The vehicle model you are insuring is one of the largest factors when consumers are trying to find the best coverage in Atlanta. Vehicles with higher performance characteristics, poor safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.
The list below features coverage costs for a number of the most affordable automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,339|
|Ford Escape XLS 2WD||$1,345|
|Honda Accord EX 4-Dr Sedan||$1,339|
|Ford F-150 XL Crew Cab 4WD||$1,531|
|Chevrolet Impala LS||$1,550|
|Volkswagen Jetta 2.0T Station Wagon||$1,567|
|Chevrolet Equinox LS 2WD||$1,581|
|Dodge Grand Caravan SE||$1,635|
|Toyota Camry SE||$1,666|
|Hyundai Elantra GLS 4-Dr Sedan||$1,674|
|Ford Explorer XLT 2WD||$1,675|
|Honda Odyssey EX W/Rear Entertainment||$1,686|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,697|
|Toyota Corolla XRS||$1,705|
|Jeep Grand Cherokee Limited 2WD||$1,697|
|Chevrolet Malibu LT||$1,762|
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in specific location information which can lower or raise coverage rates significantly.
Based on these rates, vehicles like the Honda CR-V, Ford Escape, and Honda Accord are going to be a few of the most budget-friendly vehicles to insure for drivers in Atlanta.
The information below shows how choosing a deductible can influence insurance costs when getting quotes for cheap insurance in Atlanta. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could reduce rates by $274 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $414 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save as much as $912 or more by using higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it is important to have enough savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discount Atlanta car insurance
Car insurance companies that provide policies in Atlanta may also give you special discounts that can lower rates by 35% or more if you meet specific eligibility requirements. Larger car insurance companies and their offered discounts are shown below.
- 21st Century offers premium reductions for homeowners, driver training, theft prevention, 55 and older, and good student.
- State Farm discounts include good student, good driver, student away at school, multiple policy, Steer Clear safe driver discount, and safe vehicle.
- AAA offers discounts for multi-policy, education and occupation, good student, multi-car, pay-in-full, good driver, and anti-theft.
- Liberty Mutual has discounts for safety features, multi-policy, preferred payment discount, multi-car, newly retired, new vehicle discount, and good student.
- Progressive includes discounts for homeowner, good student, online signing, continuous coverage, online quote discount, and multi-policy.
The example below shows the difference between insurance rates with and without discounts applied to the rates. The prices are based on a male driver, no claims or driving citations, Georgia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, marriage, claim-free, multiple policy, defensive driving course, and accident-free discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance in Atlanta is 28% or $570.
The auto insurance agents in Atlanta shown below are a good start to help you decide which auto insurance policy fits you best, as many people would rather have some professional guidance when comparing insurance rates in Atlanta. It’s not always easy to find the best policy on your own, and agents can bring satisfaction knowing your policy gives you adequate coverage if you have an accident or claim.
To find an agent using an interactive map, click the button at the bottom.
- Quentin Franklin – State Farm Insurance Agent
587 Virginia Ave NE Unit 3A – Atlanta, GA 30306 – (404) 575-4147
- Jerome Johnson, Sr. – State Farm Insurance Agent
3101 Clairmont Rd b – Atlanta, GA 30329 – (404) 321-6688
- Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102
- Allstate Insurance: Enrico Lewis
777 Cleveland Ave SW Ste 104 – Atlanta, GA 30315 – (404) 761-9556