The vehicle model you are seeking coverage for is a large factor in finding low-cost car insurance for infrequent drivers. Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.
The table below outlines auto insurance premiums for some of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,448|
|Honda CR-V EX-L 2WD||$1,481|
|Honda Accord LX 4-Dr Sedan||$1,584|
|Ford Escape Limited 2WD||$1,622|
|Dodge Grand Caravan CV||$1,629|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,622|
|Jeep Grand Cherokee Laredo 2WD||$1,714|
|Toyota RAV4 4WD||$1,719|
|GMC Sierra SLE Crew Cab 2WD||$1,714|
|Honda Odyssey LX||$1,733|
|Ford F-150 FX4 4WD||$1,747|
|Volkswagen Jetta S 2.5 Station Wagon||$1,768|
|Hyundai Sonata GLS 4-Dr Sedan||$1,836|
|Ford Edge SEL 2WD||$1,845|
|Nissan Rogue SL 2WD||$1,836|
|Ford Focus S 4-Dr Sedan||$1,846|
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in Atlanta, GA location which can change auto insurance rates significantly.
Looking at the numbers, we can expect models like the Hyundai Elantra, Honda CR-V, and Honda Accord are going to be some of the cheaper vehicles to insure for low mileage drivers.
One of the more important components that aid in calculating insurance cost is where you live in Atlanta. Areas with increased crime or more people will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The next table shows the most costly cities in Georgia for infrequent drivers to purchase auto insurance in. Atlanta ranks #2 having an annual price of $1,363 for the average insurance policy, which is approximately $114 per month.
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Rate information is comparative as specific Atlanta zip code can raise or lower premiums greatly.
Establishing which company quotes the most affordable insurance rates for infrequent drivers may require more work than just comparing a company or two. Every insurance company uses their own formula for determining rates in each state, so to begin we’ll rank the lowest cost insurance companies in Georgia.
Keep in mind that Atlanta insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. Simply having a birthday, having a teenage driver, or getting a reckless driving citation may cause policy rate changes that can now make some companies cheaper than competitors.
Best Car Insurance Prices in Georgia
Auto-Owners may have some of the lowest car insurance rates in Atlanta at around $855 per year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau would also make the list of some of the best Atlanta, GA car insurance companies.
In the above rates, if you currently have a policy with Central Mutual and switched to The Hartford, you could realize annual savings of roughly $244. Policyholders with Georgia Farm Bureau might save as much as $347 a year, and MetLife policyholders might see rate reductions of $351 a year.
To get a quick, customized rate comparison, click here to get a free quote or visit several of the following companies.
Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for infrequent drivers. So the company that is best for you may not even be in the top 20 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Discount Atlanta auto insurance rates
Insurers that provide coverage for infrequent drivers could also offer rate discounts that could reduce prices by 40% or more if you meet specific eligibility requirements. A list of companies and a selection of discounts can be found below.
- Travelers includes discounts for multi-car, IntelliDrive, good student, home ownership, hybrid/electric vehicle, and continuous insurance.
- 21st Century discounts include 55 and older, air bags, driver training, anti-lock brakes, early bird, and teen driver.
- State Farm offers discounts for passive restraint, Drive Safe & Save, good driver, multiple autos, and defensive driving training.
- GEICO may offer discounts for multi-policy, anti-lock brakes, air bags, anti-theft, defensive driver, five-year accident-free, and driver training.
- SAFECO offers premium reductions for accident prevention training, safe driver, teen safety rewards, anti-lock brakes, and drive less.
- AAA policyholders can earn discounts including good student, anti-theft, education and occupation, good driver, and multi-policy.
The example below illustrates the comparison of insurance costs with and without discounts. The data is based on a female driver, a clean driving record, no at-fault accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, accident-free, marriage, vehicle safety, safe-driver, and anti-theft discounts applied. In this example, the average amount saved each year on insurance for infrequent drivers is 28% or $489.
Insurance rates are higher with tickets and accidents
In a perfect world, the ideal way to earn low insurance premiums for low mileage drivers is to drive cautiously and avoid tickets and accidents. The example below shows how traffic citations and fender-benders influence auto insurance rates for each age group. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Atlanta per year with a clean driving record and no accidents is $2,616. Add in one speeding ticket and the average cost increases to $2,966, an increase of $350 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for infrequent drivers jumps again to an average of $3,961. That’s an increase of $1,345, or $112 per month, just for not driving carefully!
The chart below highlights how deductible choice can increase or decrease yearly insurance costs when getting quotes for cheap insurance for infrequent drivers. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
A 40-year-old driver could reduce rates by $312 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $472 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could reduce their rates $790 or more just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will be important to have enough spare savings to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
The importance of shopping around
Atlanta, GA insurance rates are calculated based on many things that can increase the price of your policy. Simply getting older, filing a claim, or getting a few speeding tickets may cause policy rate changes resulting in some companies being cheaper than competitors.
And not only may your rating factors change, but auto insurance companies change premium rates as often as every three months to reflect underwriting profits or losses. Larger than normal claims may result in rate hikes, while profitable underwriting may result in cheaper Atlanta car insurance rates.
As an example, the chart below shows which company has the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with no prior claims, no tickets, and solid credit. When quoting prices based on his current risk profile, Auto-Owners may offer the cheapest car insurance rates in Atlanta at $1,126 a year. This is $403 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remainder of the top five cheapest Atlanta, GA auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an at-fault accident, less-than-perfect credit, and a few blemishes on his driving record. Due to the fact that each insurance company has a different formula for filing rates in each state, comparing prices may now show a completely different list of cheap Atlanta auto insurance companies as shown below.
The Hartford now has the lowest price on auto insurance in Atlanta, GA with Travelers, Safeco, Country, and Mercury also having competitive pricing. This shows why consumers need to take the time to compare lots of rates when trying to get the most economical car insurance rates for infrequent drivers. Insurance rates are determined by many different factors and change frequently, so the most affordable company three years ago may now be an over-priced policy.