Who Has Cheap Atlanta Auto Insurance Quotes for Drivers with a Bad Driving Record?

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The vehicle driven is one of the main factors when shopping around for the lowest-priced coverage for drivers with a bad driving record. Vehicles with lower performance, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The list below outlines auto insurance rates for a number of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $5,335
Ford Escape XLS 4WD $5,587
Jeep Wrangler Sport 4WD 2-Dr $5,695
Honda CR-V EX 2WD $5,728
Toyota Prius $6,018
Volkswagen Jetta SE 2.5 Station Wagon $6,027
Chevrolet Impala LS $6,262
Chevrolet Malibu LT $6,383
Ford Edge Sport 2WD $6,607
Toyota Corolla LE $6,617
Toyota Camry LE $6,616
Toyota RAV4 Limited 4WD $6,622
Ford Explorer Eddie Bauer 4WD $6,682
Ford F-150 Lariat Crew Cab 4WD $6,691
Dodge Grand Caravan Hero $6,782
Toyota Tacoma Double Cab TRD Sport Package 4WD $6,851
Chevrolet Silverado LT Extended Cab 2WD $6,876
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Table data represents single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in Atlanta, GA location which can modify prices substantially.

Looking at the data, we can assume that models like the Honda Accord, Ford Escape, Jeep Wrangler, Honda CR-V, and Toyota Prius are likely to be the most affordable vehicles to insure for bad drivers. The price for car insurance will tend to be more expensive anyway because of the fact that there is a higher risk for drivers with a bad driving record, but overall those particular vehicles will probably have the cheapest car insurance rates compared to all other vehicles.

Figuring out which companies have the cheapest auto insurance rates for drivers with a bad driving record takes a little more effort than just comparing rates from one or two companies.

Each insurer has a proprietary formula for determining rates, so we will examine the auto insurance companies with the overall cheapest rates in Atlanta, GA.

Find the Cheapest Car Insurance for Imperfect Drivers

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Who has the cheapest car insurance in Georgia?
Rank Company Cost Per Year
1 Auto-Owners $830
2 The Hartford $895
3 USAA $968
4 Central Mutual $1,157
5 MetLife $1,226
6 Travelers $1,279
7 Georgia Farm Bureau $1,299
8 Safeco $1,355
9 Country $1,391
10 State Farm $1,404
11 Mercury $1,411
12 Allied $1,424
13 California Casualty $1,515
14 Encompass $1,673
15 Progressive $1,774
16 Nationwide $1,901
17 Liberty Mutual $2,044
18 GEICO $2,209
19 Allstate $2,246
20 Victoria $2,585
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Auto-Owners may offer some of the best car insurance rates in Atlanta at around $830 a year. This is $699 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the cheapest Atlanta, GA auto insurance companies.

As shown above, if you are insured with MetLife and switched to The Hartford, you could earn an annual premium reduction of about $331. Drivers with Travelers could save as much as $384 a year, and Georgia Farm Bureau insureds might see rate reductions of $404 a year.

Be aware that those premiums are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact location for drivers with a bad driving record. So the car insurance company that has the cheapest rates for you may not even be in the top 20 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.

For bad drivers, one of the largest factors that help determine auto insurance rates is where you normally keep your vehicle. Areas with more people or more claims tend to have higher rates, whereas areas with less crime or weather claims receive better rates.

The following table lists the most expensive places in Georgia for drivers with a bad driving record to purchase auto insurance in. Atlanta makes the list at #2 having an annual price of $1,377 for the average policyholder, which is about $115 each month.

How much does auto insurance cost in Atlanta?
Rank City Annual Premium
1 East Point $1,436
2 Atlanta $1,377
3 North Atlanta $1,349
4 Dunwoody $1,307
5 Sandy Springs $1,280
6 Smyrna $1,280
7 Columbus $1,256
8 Mableton $1,254
9 Macon $1,253
10 Marietta $1,253
11 Alpharetta $1,246
12 Roswell $1,222
13 Gainesville $1,220
14 Rome $1,206
15 Peachtree City $1,192
16 Savannah $1,191
17 Augusta $1,185
18 Martinez $1,164
19 Warner Robins $1,149
20 Athens $1,136
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Premium costs are approximated as specific location information can revise rates substantially.

Bad driving habits will cost you more

The recommended way to find the best auto insurance premiums in Atlanta for bad drivers is to drive cautiously and not get tickets or have accidents. The chart below shows how violations and fender-benders can influence car insurance rates for each age group. The information is based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of car insurance per year with no accidents or violations is $2,507. Get written up for one speeding ticket and the average cost rises to $2,821, an increase of $314 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with a bad driving record increases to an average of $5,382. That's an increase of $2,875, or $240 per month, just for not driving attentively!

Get discount Atlanta insurance

Save on auto insurance for bad drivers in AtlantaAuto insurance companies that sell policies for drivers with a bad driving record may also provide discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. Companies and some of their more popular discounts can be read below.

The diagram below shows the difference between insurance costs with and without policy discounts. The rate quotes are based on a male driver, one traffic citation and one accident, Georgia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, paid-in-full, homeowner, anti-theft, multiple vehicle, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for drivers with a bad driving record is 28% or $1,037.

Low rates can quickly become overpriced

Atlanta, GA auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Improving your credit rating, buying a new vehicle, or getting a couple of tickets can trigger price changes that may make certain companies more affordable than competitors. In addition, insurers change their prices every year or even multiple times each year to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity may cause more expensive premiums, while a profitable period may cause more affordable Atlanta car insurance rates.

For instance, the data below shows which companies have the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with a good driving record, no prior claims, and good credit. If we look at prices based on his current risk factors, Auto-Owners may offer the cheapest car insurance rates in Atlanta at $1,183 a year. This is $346 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining best Atlanta, GA auto insurance companies.

The example below compares rates after we give the driver in the first example a claim, a lower credit score, and a stop sign violation. Since every car insurance company has a unique formula for setting rates, comparing rates most likely will result in a substantially altered list of affordable companies as shown below.

The Hartford now has the best car insurance rate in Atlanta with USAA, Travelers, Safeco, and Country now being in the top five. This example illustrates why consumers need to take the time to compare rates to find cheap car insurance quotes for drivers with a bad driving record. Insurance prices are calculated by many factors and can change without notice, so the lowest-price company the last time you shopped around may now be costing you a lot of money.

How to find cheaper auto insurance for drivers with a bad driving record

The list below details some of the recommended penny-pinching solutions that can help Georgia drivers find cheap coverage.

That last idea is very vital, as was emphasized in this write-up. Auto insurance rates in Atlanta fluctuate constantly, so don't be unwilling to buy a different policy if you find a cheaper price. Staying with the same company for years is fine, but we do not recommend it if that loyalty ends up costing a wad of cash every year. In just a couple of minutes you could shop around and find cheaper car insurance for drivers with a bad driving record.

If you aren't sure which coverage to buy and prefer to have a little guidance when buying car insurance for bad drivers, the agents listed below can answer your questions and help you decide which coverage fits your budget. To find an Atlanta insurance agent near you, click the link at the bottom or click here to compare rates now.

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