Who Has Cheap Atlanta Auto Insurance for 19 Year Olds?

For teenage drivers, one of the largest criteria that aid in calculating auto insurance rates is where you call home. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with less congestion benefit from lower rates.

The table below shows the most costly cities in Georgia for 19 year olds to buy car insurance in. Atlanta makes the list at #2 with a yearly cost of $1,377 for the average insured, which is around $115 per month.

How much is car insurance in Atlanta?
Rank City Average Per Year
1 East Point $1,480
2 Atlanta $1,377
3 Dunwoody $1,307
4 North Atlanta $1,297
5 Mableton $1,293
6 Marietta $1,291
7 Smyrna $1,280
8 Macon $1,253
9 Columbus $1,243
10 Roswell $1,235
11 Alpharetta $1,234
12 Sandy Springs $1,230
13 Savannah $1,227
14 Augusta $1,221
15 Rome $1,206
16 Gainesville $1,184
17 Peachtree City $1,156
18 Albany $1,154
19 Martinez $1,152
20 Athens $1,124
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Table data uses approximated as the specific geographic location can lower or raise prices substantially.

Finding dependable, cheap car insurance is confusing at best, and finding out which company offers the lowest-priced car insurance rates for 19 year olds may require even more shopping around.

Each insurer has their own formula for establishing rates, so first we will examine the car insurance companies that tend to be cheaper in Atlanta. It’s important that you understand Atlanta car insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay for coverage. Things like getting older, marrying your spouse, or getting a few speeding tickets can cause premium changes resulting in some companies being more affordable than the competition.

Best Cheap Insurance Rates for Teens

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Cheapest Georgia car insurance ranked by price
Rank Company Cost Per Year
1 Auto-Owners $864
2 The Hartford $895
3 USAA $968
4 Central Mutual $1,193
5 MetLife $1,238
6 Georgia Farm Bureau $1,299
7 Travelers $1,331
8 Safeco $1,355
9 Mercury $1,369
10 Allied $1,424
11 State Farm $1,432
12 Country $1,433
13 California Casualty $1,561
14 Encompass $1,623
15 Progressive $1,791
16 Nationwide $1,827
17 Liberty Mutual $2,044
18 GEICO $2,165
19 Allstate $2,180
20 Victoria $2,585
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Auto-Owners may offer some of the best car insurance rates in Atlanta at around $864 a year. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the more affordable Atlanta, GA insurance companies.

As the example above demonstrates, if you are a policyholder with The Hartford and switched to Auto-Owners, you may realize a yearly savings of about $31. Policyholders with USAA might save as much as $104 a year, and Central Mutual insureds might reduce rates by $329 a year.

Be aware that those premiums are averages for all drivers and vehicles in Georgia and are not factoring in a specific zip code for 19 year olds. So the company that fits your situation best may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own specific driver information and vehicle.

Insuring your vehicle with the highest-rated insurance company can be a challenge considering how many different companies there are to choose from in Georgia. The rank data listed below could help you pick which auto insurers you want to consider when shopping around. These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not factored into this list.

Top 10 Large Auto Insurance Providers Overall in Atlanta

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Impact of violations and accidents on rates in Atlanta

The obvious way to receive the most affordable car insurance prices for teenage drivers is to be a careful driver and avoid traffic citations and accidents. The information below highlights how speeding tickets and at-fault collisions can influence insurance rates for different age groups. The data is based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $1,852. Get two speeding tickets and the average cost increases to $2,446, an increase of $594 each year. Next add one accident along with the two speeding tickets and the 12-month cost of car insurance for 19 year olds goes up to an average of $3,042. That’s an increase of $1,191, or $99 per month, just for being a careless driver!

Why you should shop around

Georgia car insurance rates are impacted by many things that may substantially change the cost of coverage. Simply improving your credit, getting married, or having a fender bender may cause policy rate changes that can now make some companies more affordable than the competition. Also, insurance companies file new Georgia auto insurance rates without warning to reflect underwriting profits or losses. A period of increased losses can cause higher rates, while a profitable period may cause cheaper Atlanta car insurance rates.

As an example, the bar chart below shows rates for the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with no prior claims, no tickets, and good financial standing. If we compare prices based on her personal profile, Auto-Owners has the most affordable car insurance rates in Atlanta at $1,159 annually. This is $370 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife round out the rest of the top five cheapest Atlanta, GA auto insurance companies.

In the next rate comparison, we’ll give the driver in the first chart a claim or two, less-than-perfect credit, and a traffic citation. Because each company has a proprietary method for setting prices, comparing prices most likely will result in a different ranking of companies as shown below.

The Hartford now has the best price in Atlanta with Travelers, USAA, Safeco, and Allied now being in the top five. This example proves why drivers need to perform an extensive rate comparison to get the best insurance quotes for 19 year olds. Insurance prices can be altered by many things and can change without notice, so the most economical option six months ago may now be quite expensive.

How to find the cheapest auto insurance for 19 year olds

The list below shows some of the better penny-pinching suggestions that can help Georgia drivers locate cheaper auto insurance.

That last piece of advice is extraordinarily significant, as was stressed in this article. Insurance rates vary considerably, so don’t be tentative to buy a different policy if a lower price can be found. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty results in overpaying lots of money. In just a couple of minutes you could compare prices and find cheaper auto insurance for 19 year olds in Atlanta.

The insurance agencies listed below can help you determine which coverages and limits you need, since many people would rather have a professional recommendation when trying to find the best insurance rates for 19 year olds. It can be time-consuming to find the best policy yourself, and a licensed agent can bring comfort knowing you have enough coverage when you need it. To locate an Atlanta car insurance agency by location nearest to you, click the button below the list.

White and White Insurance
2882 E Point StAtlanta, GA 30344(404) 766-9390

Perimeter Insurance Agency
5855 Buford Hwy NE # EAtlanta, GA 30340(770) 452-8881

Kaitlin Ponce – State Farm Insurance Agent
2285 Peachtree Rd #204Atlanta, GA 30309(404) 390-1190

Eddie Sanders – State Farm Insurance Agent
47 Perimeter Center E #130Atlanta, GA 30346(770) 394-5068

Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311Atlanta, GA 30327(404) 550-3448

Find an Atlanta, GA insurance agent near you