What Car Insurance is Cheapest for Drivers Over Age 70 in Atlanta?

It’s hard to miss the ads from car insurance companies like GEICO, Nationwide, and Allstate that make promises of the cheapest price, so you should just pick the one with the best commercial, right?

It’s just not that easy, however, as there are a whole slew of unknown factors such as your driving record, whether you are male or female, and the amount of liability coverage you want, that all have an effect on the price. We will attempt to cover these topics and will hopefully give you some help in finding cheaper rates.

The car, truck, or SUV you are trying to insure is a large factor when comparing quotes for low-priced coverage for drivers over age 70. Vehicles with more horsepower, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than safer models.

The next table shows coverage prices for a handful of the most cost-effective automobiles to insure in Georgia.

Cheapest Vehicles to Insure in Atlanta, GA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,731
Honda CR-V EX 4WD $1,759
Toyota Prius $1,896
Ford Edge SE 2WD $1,915
Ford F-150 XL Regular Cab 4WD $1,943
Jeep Wrangler Sahara 4WD 2-Dr $1,950
Dodge Grand Caravan CV $1,943
Chevrolet Malibu LS $2,052
Toyota Camry LE $2,057
Chevrolet Impala LT $2,052
Chevrolet Equinox LT 2WD $2,057
Toyota RAV4 4WD $2,052
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,080
Ford Explorer Limited 4WD $2,090
Ford Focus SEL 4-Dr Sedan $2,133
Toyota Corolla XLE $2,161
Hyundai Elantra GLS 4-Dr Sedan $2,166
Honda Odyssey EX-L W/Navigation $2,161
Nissan Altima 3.5 SR 4-Dr Sedan $2,189
Chevrolet Silverado LTZ Crew Cab 4WD $2,197
Volkswagen Jetta SEL 4-Dr Sedan $2,189
GMC Sierra 2500HD SLE Crew Cab 4WD $2,197
Jeep Grand Cherokee Limited 2WD $2,189
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Prices above based on single female driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in vehicle garaging location which can alter auto insurance rates substantially.

Looking at the numbers, you can conclude that makes and models like the Ford Escape, Honda CR-V, and Toyota Prius will definitely be the more affordable vehicles to insure for older drivers. The price of auto insurance will be more costly just because there is more inherent risk for drivers over age 70, but overall those models will probably have the lowest prices possible.

For older drivers, one of the big components that help determine auto insurance rates is where you keep your car. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with less crime or weather claims can boast about having cheaper rates.

The following table rates the most expensive areas in Georgia for drivers over age 70 to buy auto insurance in. Atlanta shows up at #2 with an annual premium of $1,377 for the average insurance policy, which is approximately $115 each month.

How much does auto insurance cost in Atlanta?
Rank City Average Per Year
1 East Point $1,480
2 Atlanta $1,377
3 North Atlanta $1,310
4 Dunwoody $1,307
5 Mableton $1,293
6 Macon $1,291
7 Sandy Springs $1,280
8 Marietta $1,279
9 Roswell $1,272
10 Smyrna $1,254
11 Savannah $1,239
12 Alpharetta $1,234
13 Gainesville $1,232
14 Columbus $1,206
15 Rome $1,206
16 Peachtree City $1,192
17 Augusta $1,173
18 Athens $1,170
19 Martinez $1,164
20 Hinesville $1,157
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Price information shown is approximated as specific Atlanta garaging address can increase or decrease coverage prices considerably.

Figuring out which companies have the cheapest auto insurance rates for drivers over age 70 calls for a tad more effort in order to find the best policy. Each company has their own guidelines to set premium rates, so let’s rank the lowest cost auto insurance companies in Atlanta, GA.

It’s important that you understand Atlanta auto insurance rates are calculated based on many things that will increase or decrease the policy premium. Simply having another birthday, getting divorced, or getting a few speeding tickets may generate price changes that can cause some rates to be cheaper in comparison to the competition.

Find the Cheapest Auto Insurance for Age 70+

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What’s the cheapest car insurance in Georgia?
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $922
3 USAA $1,008
4 Central Mutual $1,157
5 Georgia Farm Bureau $1,260
6 MetLife $1,276
7 Travelers $1,318
8 Safeco $1,355
9 Mercury $1,369
10 State Farm $1,404
11 Allied $1,409
12 Country $1,433
13 California Casualty $1,577
14 Encompass $1,623
15 Progressive $1,774
16 Nationwide $1,827
17 Liberty Mutual $2,044
18 Allstate $2,202
19 GEICO $2,231
20 Victoria $2,509
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Auto-Owners offers some of the lowest car insurance rates in Atlanta at around $855 per year. This is $674 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are also some of the lowest-priced Atlanta, GA car insurance companies.

As shown in the rates above, if you currently have coverage with Central Mutual and switched to Auto-Owners, you might achieve yearly savings of about $302. Drivers with Georgia Farm Bureau could save as much as $405 a year, and MetLife customers might realize rate reductions of up to $421 a year.

It’s important to note that these prices are averaged for all drivers and vehicles in Georgia and and are not figured with a specific vehicle garaging location for drivers over age 70. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own individual information.

Discount Atlanta car insurance

Cheaper Atlanta, GA auto insurance for older driversInsurance providers that offer coverage for drivers over age 70 may additionally offer special discounts that may potentially lower prices by 40% or more if you can meet the requirements. A list of companies and some of the premium reductions they offer are shown below.

The illustration below shows the difference between car insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or violations, Georgia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, vehicle safety, defensive driving course, accident-free, anti-theft, and multiple policy discounts applied. In this example, the average savings per year on auto insurance for drivers over age 70 is 28% or $533.

Irresponsible driving raises your rates

The recommended way to score the cheapest auto insurance rates for older drivers is to be a safe driver and avoid getting tickets or having accidents. The diagram below illustrates how traffic citations and fender-benders can impact insurance costs for different ages of insureds. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

The data above shows the average cost of an auto insurance policy in Atlanta per year with no accidents or violations is $1,561. Get written up for two speeding tickets and the average cost increases to $2,218, an increase of $656 each year. Now get two accidents along with the two speeding tickets and the yearly cost of auto insurance for drivers over age 70 jumps again to an average of $4,670. That’s an increase of $3,108, or $259 per month, just for not maintaining a clean driving record!

Your low-price policy may be costing you money

Atlanta auto insurance rates are impacted by many things that control the price you have to pay. Simply getting older, buying another vehicle, or having a fender bender may cause policy rate changes that may make certain companies cheaper than others. In addition to those changes, insurance companies change rates at least once a year to adjust for gains or losses. A period of increased losses may cause increased rates, while less frequent claims can result in cheaper Atlanta car insurance rates.

To help illustrate this point, the chart below shows the cheapest car insurance in Atlanta, GA for a 40-year-old male driver with no accidents or violations, and good credit. If we estimate rates based on his current rating profile, Auto-Owners might offer the most affordable car insurance rates in Atlanta at $1,172 per year. This is $357 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining cheapest Atlanta, GA auto insurance companies.

The next chart shows rates after we give the driver from the first set of rates a claim surcharge, a little lower credit rating, and a speeding citation. Because each insurer has a proprietary method to set premium rates, comparing insurance quotes may now result in a different set of the cheapest Atlanta car insurance companies as shown below.

Georgia Farm Bureau now has the best price on car insurance in Atlanta with The Hartford, Mercury, Safeco, and Country also having competitive pricing. This example demonstrates why consumers need to take the time to spend some time comparing rates when trying to find the most economical insurance rates for drivers over age 70.

Prices can be determined by many different factors and change frequently, so the cheapest option the last time you shopped around may now be an over-priced policy.