What Insurance is Cheapest for 4×4 Vehicles in Atlanta?

For off-road vehicles, one of the more important things that determine the amount you pay for auto insurance is where you keep your vehicle. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from lower rates.

The information below shows the highest-priced places in Georgia for 4×4 vehicles in which to buy car insurance. Atlanta is ranked #2 with the yearly price of $1,405 for coverage, which is approximately $117 each month.

How much is car insurance in Atlanta?
Rank City Annual Rate
1 East Point $1,450
2 Atlanta $1,405
3 North Atlanta $1,349
4 Mableton $1,293
5 Smyrna $1,292
6 Alpharetta $1,284
7 Sandy Springs $1,268
8 Dunwoody $1,268
9 Roswell $1,259
10 Marietta $1,241
11 Macon $1,241
12 Gainesville $1,220
13 Augusta $1,209
14 Columbus $1,206
15 Rome $1,206
16 Savannah $1,203
17 Athens $1,170
18 Warner Robins $1,161
19 Peachtree City $1,156
20 Martinez $1,152
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Prices are estimated as the specific area where the vehicle is garaged can impact insurance rates greatly.

The car, truck, or SUV you are seeking coverage for is one of the biggest factors in finding the most economical car insurance for 4×4 vehicles. Vehicles with more horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than more economical and safe models. The table below presents auto insurance rates for some of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Volkswagen Jetta S 2.5 Station Wagon $1,452
Honda Odyssey LX $1,476
Toyota Prius $1,484
Ford F-150 STX Super Cab 4WD $1,537
Honda CR-V LX 2WD $1,539
Ford Escape XLT 4WD $1,574
Hyundai Elantra SE Touring Station Wagon $1,668
Honda Accord EX-L 4-Dr Sedan $1,678
Toyota Corolla LE $1,671
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,695
Dodge Grand Caravan CV $1,729
Jeep Grand Cherokee Laredo 4WD $1,823
Toyota Camry LE $1,829
Dodge Ram 3500 Crew Cab SLT 2WD $1,845
GMC Sierra 3500HD SLT Crew Cab 2WD $1,855
Ford Explorer XLT 4WD $1,850
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,858
Ford Edge SEL AWD $1,916
Chevrolet Malibu LS $1,955
Chevrolet Silverado LT Regular Cab 2WD $1,961
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Information does not factor in specific location which can influence coverage rates noticeably.

Based upon these rates, vehicles like the Volkswagen Jetta, Honda Odyssey, and Toyota Prius are some of the cheaper vehicles to insure for off-road vehicles.

Figuring out which insurers offer the most affordable car insurance rates for 4×4 vehicles takes more work in order to find the most economical policy.

Each auto insurance company has a different formula for setting prices, so let’s rank the car insurance companies with the overall cheapest rates in Georgia. We do need to point out that Atlanta, GA car insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. Simply turning a year older, buying a new vehicle, or getting a ticket for careless driving can trigger price changes resulting in some companies being cheaper than before.

Best Auto Insurance Prices for 4×4’s

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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 $978
4 Central Mutual $1,157
5 MetLife $1,226
6 Georgia Farm Bureau $1,273
7 Travelers $1,292
8 Mercury $1,397
9 Safeco $1,411
10 Country $1,419
11 State Farm $1,432
12 Allied $1,467
13 California Casualty $1,561
14 Encompass $1,689
15 Progressive $1,738
16 Nationwide $1,901
17 Liberty Mutual $2,064
18 Allstate $2,180
19 GEICO $2,209
20 Victoria $2,559
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Auto-Owners quotes some of the most affordable car insurance rates in Atlanta at around $855 per year. This is $674 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also some of the lowest-priced Atlanta, GA insurance companies.

As shown in the table above, if you are insured with The Hartford and switched to Auto-Owners, you might achieve savings of approximately $67. Policyholders with USAA could save as much as $123 a year, and Central Mutual insureds might cut rates by $302 a year.

Be aware that those policy prices are averaged for all types of insureds and vehicles and and are not figured with a specific zip code for 4×4 vehicles. So the car insurance company that is most affordable for your situation may not even be in the top 20 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Get discount Atlanta auto insurance rates

Save on car insurance for off-road vehicles in AtlantaCar insurance companies that provide coverage for 4×4 vehicles could also offer discounts that may potentially lower prices by as much as 35% or more if you qualify. A few popular companies and a summarized list of policyholder discounts can be found below.

The diagram below visualizes the comparison of car insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no claims or violations, Georgia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, claim-free, safe-driver, multiple vehicle, marriage, and vehicle safety discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for 4×4 vehicles is 28% or $729.

The diagram below illustrates how your choice of deductibles can change annual premium costs when researching cheap insurance for 4×4 vehicles. Data assumes a married female driver, full physical damage coverage, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could lower rates by $374 a year by increasing from a $100 deductible up to a $500 deductible, or save $564 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices $930 every year just by choosing higher deductibles.

If you do decide to increase your deductibles, it will be necessary to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Your low-price policy may be costing you money

Atlanta car insurance rates are based on many factors that will increase or decrease the price you have to pay. Turning one year older, buying a new vehicle, or having an accident may generate price changes that can make some companies cheaper than competitors.

And not only may your rating factors change, but insurers modify rates every year to adjust for unexpected claims or profits. Higher than normal claim frequency or severity may cause additional price hikes, while a profitable period can result in lower-priced Atlanta car insurance rates.

To illustrate this point, the data below compares the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we compare prices based on his current risk factors, Auto-Owners quotes the cheapest car insurance rates in Atlanta at $1,103 per year. This is $426 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the best Atlanta, GA auto insurance companies.

The example below compares rates after we give the driver from the above example a chargeable claim, a lower credit rating, and a blemish on his driving record. Because every insurance company uses their own calculation to set premium rates, comparing quotes will most likely result in a different set of the cheapest Atlanta car insurance companies as shown below.

The Hartford now has the best car insurance rate in Atlanta with Georgia Farm Bureau, Mercury, State Farm, and Country also being competitive. This illustrates why consumers need to shop around when trying to get the most affordable car insurance quotes for 4×4 vehicles.

Rates can be determined by many things and can change without notice, so the cheapest option a year ago may now be quite expensive.