How Much are Car Insurance Rates for Government Employees in Atlanta?

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You have surely seen all the commercials from auto insurance companies like Allstate and Liberty Mutual that say if you switch you'll get enormous savings, so you just need to pick the one with the catchiest commercial, right?

That is not the case, however, as there are a lot of unknowns like how old you are, the annual mileage you drive, and whether or not you own a home. This article goes into detail about the things that cause high insurance rates and should give you a solid foundation to find cheaper car insurance in Atlanta.

For state and federal workers, one of the big things that are looked at to help calculate car insurance rates is where you choose to live in Atlanta. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less congestion profit from lower rates.

The information below lists the highest-priced areas in Georgia for government employees to buy auto insurance in. Atlanta shows up at #2 having an annual price of $1,363 for the average insurance policy, which is around $114 per month.

Car insurance prices in Atlanta
Rank City Annual Rate
1 East Point $1,436
2 Atlanta $1,363
3 North Atlanta $1,349
4 Dunwoody $1,307
5 Smyrna $1,292
6 Marietta $1,291
7 Alpharetta $1,284
8 Roswell $1,272
9 Mableton $1,267
10 Macon $1,241
11 Sandy Springs $1,230
12 Savannah $1,227
13 Columbus $1,206
14 Peachtree City $1,204
15 Gainesville $1,196
16 Augusta $1,185
17 Rome $1,182
18 Martinez $1,164
19 Albany $1,154
20 Athens $1,124
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Rate information is approximated as specific Atlanta zip code can raise or lower premiums noticeably.

The vehicle model that is being insured is probably the biggest factor in finding cheaper auto insurance for government employees. Vehicles with reasonable performance levels, an excellent safety record, or a positive history of liability claims will cost less to insure than fast, unsafe models.

The table below illustrates car insurance premiums for the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,372
Ford F-150 XL Regular Cab 2WD $1,422
Ford Escape Limited 4WD $1,486
Chevrolet Silverado LS Regular Cab 4WD $1,507
Dodge Grand Caravan SE $1,539
Honda Odyssey EX W/Rear Entertainment $1,590
Volkswagen Jetta 2.0T Station Wagon $1,603
GMC Sierra SL Extended Cab 2WD $1,622
Ford Explorer Eddie Bauer 4WD $1,653
Honda Accord LX 4-Dr Sedan $1,683
Toyota Camry SE $1,707
Honda CR-V EX 4WD $1,723
Ford Fusion SE 4-Dr Sedan $1,739
Nissan Rogue S 2WD $1,741
Kia Optima LX $1,749
GMC Sierra 3500HD SLE Crew Cab 2WD $1,770
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,800
Toyota Prius $1,869
Dodge Ram 3500 Mega Cab Laramie 2WD $1,885
Nissan Altima 3.5 SR 2-Dr Coupe $1,943
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can decrease or increase auto insurance rates greatly.

Looking at the rates, we can expect cars like the Hyundai Elantra, Ford F-150, and Ford Escape will be some of the less-costly vehicles to insure for state and federal workers.

The diagram below demonstrates how deductibles can change insurance costs when quoting cheap insurance for government employees. The data is based on a single male driver, comp and collision included, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could reduce rates by $438 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $658 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could save $1,460 every year by using higher deductibles when buying full coverage.

When increasing deductibles, it is important to have enough in a savings account to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Difference between liability only and full coverage rates

Paying less for insurance is important to most people, and one good way to save on the cost of insurance for government employees is to not buy comprehensive and collision coverage. The illustration below illustrates the difference between annual premium costs with full coverage and liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are applied.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $2,507 per year over having just liability coverage. That is a large expense which might make you wonder if buying full coverage is a good investment. There is no definitive formula of when to eliminate comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's pretend your vehicle's replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying your policy deductible. If it's costing you more than $600 a year to have full coverage, then it could be time to drop full coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Finding a good quality insurance provider can be challenging considering how many different insurance companies sell coverage in Atlanta. The information shown below can help you decide which insurers you want to consider buying from. These ratings are only comprised of major nationwide insurance companies, so companies that only write business in Georgia or surrounding areas will not be included in the list.

Best Ten Insurance Companies for Government Employees in Georgia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies