After a few driving violations, one of the more important considerations that are looked at to help calculate the annual cost of car insurance is where you call home in Atlanta. Larger areas tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The information below ranks the most expensive cities in Georgia after a speeding ticket to purchase auto insurance in. Atlanta is ranked #2 with an annual premium of $1,377 for car insurance, which is approximately $115 each month.
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Premium costs are comparative as zip code location can influence premiums significantly.
The car, truck, or SUV that needs insurance is a large consideration that determines whether or not you can buy affordable auto insurance after a speeding ticket. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The data below features insurance premiums for some of the most affordable automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$2,038|
|Honda CR-V LX 2WD||$2,369|
|Ford Escape Limited 4WD||$2,445|
|Dodge Grand Caravan SXT||$2,459|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,469|
|Ford Explorer XLT 4WD||$2,518|
|Volkswagen Jetta S 2.5 Station Wagon||$2,578|
|Nissan Altima 3.5 SR 4-Dr Sedan||$2,589|
|Honda Civic DX 4-Dr Sedan||$2,616|
|Ford F-150 Lariat King Ranch 4WD||$2,635|
|Chevrolet Malibu Hybrid||$2,665|
|Toyota RAV4 4WD||$2,671|
|Nissan Rogue SL AWD||$2,716|
|Ford Focus S 4-Dr Sedan||$2,743|
|Ford Edge SEL AWD||$2,748|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$2,762|
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Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Atlanta, GA which can modify prices substantially.
Based upon the table data, cars like the Hyundai Elantra, Toyota Prius, Honda CR-V, Ford Escape, and Dodge Grand Caravan should be the cheaper vehicles to insure after a few driving violations.
How to get discounts on Atlanta insurance
Insurers that provide policies after a speeding ticket may additionally offer premium discounts that can lower rates by as much as 35% or more if you meet specific eligibility requirements. A list of companies and some of their more popular discounts are outlined below.
- GEICO may offer discounts for driver training, military active duty, defensive driver, daytime running lights, and emergency military deployment.
- SAFECO has savings for anti-theft, drive less, bundle discounts, teen safe driver, safe driver, and anti-lock brakes.
- State Farm offers premium reductions for multiple policy, multiple autos, passive restraint, safe vehicle, and driver's education.
- MetLife includes discounts for good student, good driver, multi-policy, accident-free, claim-free, and defensive driver.
- 21st Century may include discounts for theft prevention, defensive driver, 55 and older, automatic seat belts, and good student.
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, homeowner, online signing, and multi-vehicle.
The information below visualizes the comparison of car insurance costs with and without discounts applied. The data assumes a male driver, three violations and no accidents, Georgia state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with continuous coverage, homeowner, multiple vehicle, multiple policy, anti-theft, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance after a speeding ticket is 28% or $948.
The information below highlights how deductible choice can change premium costs when researching cheap insurance after a speeding ticket. Data assumes a single male driver, comp and collision included, and no policy discounts are applied.
As shown above, a 30-year-old driver could pocket $492 a year by switching from a $100 deductible to a $500 deductible, or save $740 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could shave $1,460 annually just by choosing larger deductibles.
When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Can you find cheaper Atlanta car insurance?
Atlanta, GA auto insurance rates are based on many factors that can increase the price of coverage. Simply having a birthday, buying a home instead of renting, or getting a few speeding tickets can trigger price changes that can make some companies more affordable than before. Also, auto insurance companies change prices every year or even multiple times each year in order to maintain liquidity for claims. An unexpected high level of claims can cause increased rates, while less frequent claims can result in cheaper Atlanta car insurance rates.
To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Atlanta, GA for a 40-year-old male driver with a good driving record, no prior claims, and good credit. When comparing rates based on his current risk profile, Auto-Owners may offer the lowest car insurance rates in Atlanta at $1,125 per year. This is $404 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the most affordable Atlanta, GA auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an accident claim, a little lower credit rating, and a speeding citation. Since each company uses their own formula for establishing rates, analyzing rate quotes most likely will result in a completely different list of the cheapest companies as shown below.
The Hartford now has the best price on car insurance in Atlanta with Travelers, USAA, Mercury, and Safeco also having competitive pricing. This example demonstrates why drivers need to compare lots of rates when trying to find the most affordable car insurance quotes after a speeding ticket.
Rates are determined by many things and can change without notice, so the best price two years ago may now be one of the more expensive options.