Deciphering which companies quote the cheapest car insurance rates for teachers will involve a little more effort than just comparing a company or two. Each company has a unique formula to establish rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Atlanta.
It’s important to understand that Atlanta, GA car insurance rates are determined by lots of factors that can increase the price you pay. Improving your credit rating, marrying your spouse, or getting a ticket for careless driving can produce rate changes that may make certain companies more affordable than before.
Cheapest Insurance Rates for Educators
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,260|
|Get Personalized Rates Go|
Auto-Owners offers some of the cheapest car insurance rates in Atlanta at around $839 each year. This is $690 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the cheaper Atlanta, GA auto insurance companies.
As depicted above, if you are a customer of Central Mutual and switched to Auto-Owners, you might achieve a yearly savings of upwards of $330. Drivers with MetLife could save as much as $387 a year, and Georgia Farm Bureau insureds might cut rates by $421 a year.
To compare your rates to other Georgia insurance companies, click here to start your custom quote or feel free to get quotes from the companies below.
Remember that these policy rates are averaged across all types of insureds and vehicles and do not take into consideration a specific location for teachers. So the insurer that is most affordable for your situation may not even be in the top 20 companies shown above. That points out the importance of why you need to get rate quotes using your own specific driver information and vehicle.
The car, truck, or SUV to be insured is one of the biggest factors when looking for low-cost insurance for teachers. Vehicles with economical engines, good crash test ratings, or low incidents of liability claims will cost much less to insure than adrenaline junky models.
The next list showcases coverage costs for a number of the cheaper vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$1,458|
|Honda Accord EX 4-Dr Sedan||$1,632|
|Ford Focus SE 4-Dr Sedan||$1,656|
|Ford Escape XLT 4WD||$1,670|
|Toyota Tacoma X-Runner 2WD||$1,775|
|GMC Sierra SLE Regular Cab 4WD||$1,808|
|Chevrolet Equinox LTZ AWD||$1,808|
|Chevrolet Silverado LTZ Extended Cab 4WD||$1,814|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,808|
|Kia Optima LX||$1,811|
|Ford Explorer XLT 2WD||$1,830|
|Chevrolet Impala LS||$1,895|
|Volkswagen Jetta 2.0T Station Wagon||$1,908|
|Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD||$1,930|
|Toyota RAV4 2WD||$1,933|
|Chevrolet Malibu Hybrid||$1,939|
|Get a Custom Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in zip code location which can raise or lower auto insurance rates noticeably.
Looking at the rates, vehicles like the Honda CR-V, Honda Accord, Ford Focus, and Ford Escape will be a few of the most affordable vehicles to insure for teachers and educators.
Get discount Atlanta car insurance
Insurance providers that provide coverage for teachers may have rate discounts that may potentially lower prices by as much as 30% if you meet the requirements. A list of companies and some of the premium reductions they offer can be read below.
- Progressive offers discounts including online quote discount, continuous coverage, multi-vehicle, homeowner, multi-policy, and good student.
- AAA policyholders can earn discounts including education and occupation, pay-in-full, anti-theft, AAA membership discount, and multi-car.
- Farmers Insurance may have discounts that include distant student, mature driver, multi-car, early shopping, good student, youthful driver, and business and professional.
- GEICO may offer discounts for seat belt use, anti-theft, five-year accident-free, driver training, daytime running lights, military active duty, and defensive driver.
- Esurance offers premium reductions for homeowner, good driver, claim free, multi-car, online quote, and renters.
- SAFECO offers discounts for multi-car, safe driver, anti-theft, accident prevention training, and teen safety rewards.
- State Farm may include discounts for anti-theft, defensive driving training, multiple autos, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and multiple policy.
The chart below compares insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims or driving citations, Georgia state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, claim-free, homeowner, passive restraint, accident-free, and anti-theft discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for teachers is 28% or $596.
Price comparison of only insuring for liability
Saving on car insurance should be important to the majority of people, and one way to lower the cost of insurance for teachers is to not pay for full coverage. The information below shows the difference between premium costs with full coverage and liability only. The information is based on a clean driving record, no claims, $250 deductibles, drivers are single, and no other discounts are factored in.
As an average, full coverage costs $2,063 per year more than just insuring for liability. That is a large expense which might make you wonder if physical damage coverage is worth the money. There isn’t a written rule of when to phase out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your vehicle’s book value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $3,500 after paying the physical damage deductible. If premium cost is more than $350 annually for physical damage coverage, then you might want to think about dropping full coverage.
Who has the cheapest Atlanta car insurance?
Atlanta, GA car insurance rates are impacted by many factors that control the price you have to pay for coverage. Getting older, adding a teenager to your policy, or getting a reckless driving citation can cause premium changes resulting in some companies being cheaper than before. In addition to those changes, insurers change the rates they charge in Georgia every year in order to protect their financial rating. Higher than normal claim frequency or severity can result in price increases, while lower claim expenses can cause lower-cost Atlanta car insurance rates.
To illustrate this point, the bar chart below shows the cheapest car insurance in Atlanta, GA for a 30-year-old female driver with no prior accidents, a clean driving record, and good financial standing. If we compare prices based on her current risk factors, Auto-Owners may have the best 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 Georgia Farm Bureau are also included in the most affordable Atlanta, GA auto insurance companies.
Now let’s give the driver from above a claim surcharge, a lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer has a unique approach for determining prices, comparing rates could result in a different set of cheap Atlanta auto insurance companies as shown below.
The Hartford now has the best auto insurance rate in Atlanta with Travelers, USAA, Country, and Mercury completing the list. This demonstrates why consumers need to compare rates to find cheap insurance quotes for teachers. Car insurance prices are influenced by many factors and can increase or decrease at any time, so the best option the last time you shopped your coverage around may now be one of the higher cost companies.
The agents listed below can most likely provide answers to your questions and help you determine which coverages and limits you need, since some drivers aren’t sure which coverage they need and prefer to have a consultation when shopping around for cheaper insurance for teachers and educators. It can be difficult to find the best policy on your own, and insurance agents licensed in the state of Georgia can provide you peace of mind knowing you have adequate coverage if you have an accident or claim. To find an auto insurance agency in your neighborhood, click the link at the bottom or click here to get price quotes now.
Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448
Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811
Allstate Insurance: Drew Niess
3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500
Shiron Kilgore – State Farm Insurance Agent
42 Forsyth St NW – Atlanta, GA 30303 – (404) 527-4883