Who Has Cheap Car Insurance for a 20 Year Old Female in Atlanta?

One of the many factors that are used to help calculate the annual cost of car insurance is where your residence is. Areas with high crime rates or more dense population will most likely have higher rates, whereas areas with less crime or weather claims profit from lower rates.

The information below shows the most expensive cities in Georgia for 20 year old women in which to purchase auto insurance. Atlanta ranks #2 with a yearly premium of $1,363 for the average policy, which is about $114 monthly.

How much does car insurance cost in Atlanta, GA?
Rank City Average Per Year
1 East Point $1,450
2 Atlanta $1,363
3 North Atlanta $1,310
4 Dunwoody $1,307
5 Sandy Springs $1,280
6 Smyrna $1,280
7 Roswell $1,272
8 Mableton $1,267
9 Macon $1,253
10 Alpharetta $1,246
11 Marietta $1,241
12 Savannah $1,227
13 Augusta $1,209
14 Columbus $1,206
15 Rome $1,206
16 Gainesville $1,196
17 Peachtree City $1,192
18 Athens $1,170
19 Albany $1,154
20 Warner Robins $1,149
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Table data uses estimated as vehicle location can impact coverage rates greatly.

Finding good, low-cost insurance is hard enough, and finding out which companies offer the cheapest insurance rates for 20 year old women will involve even more rate comparisons.

Each insurer has their own guidelines for determining rates in each state, so let’s take a look at the insurance companies with the most affordable rates in Atlanta. It’s a good idea to know that Georgia insurance rates are impacted by many things which can significantly increase or decrease the price you pay for coverage. Improving your credit score, becoming a homeowner, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being more affordable than competitors.

Find the Cheapest Car Insurance for Women Age 20

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Auto-Owners may have some of the cheapest car insurance rates in Atlanta at around $839 each year. The Hartford, USAA, Central Mutual, and MetLife also are some of the cheaper Atlanta, GA insurance companies.

As shown in the rates above, if you currently have coverage with Central Mutual and switched to The Hartford, you might realize a yearly savings of roughly $256. Customers with MetLife may save as much as $325 a year, and Travelers policyholders might realize rate reductions of up to $366 a year.

Be aware that those estimates are averages across all insureds and vehicles and are not factoring in a specific zip code for 20 year old women. So the car insurance company that fits your age and vehicle best may not even be in the list above. That emphasizes why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The type of vehicle you are seeking coverage for is one of the primary factors when comparing the most economical car insurance for 20 year old women. Vehicles with higher performance characteristics, poor passenger safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The next table ranks insurance prices for some of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $3,255
Ford Escape Limited 4WD $3,461
Honda Accord EX-L 4-Dr Sedan $3,467
Hyundai Elantra SE Touring Station Wagon $3,461
Toyota Prius $3,510
Ford F-150 STX Regular Cab 4WD $3,598
Honda Civic DX 4-Dr Sedan $3,757
Chevrolet Impala LS $3,762
Ford Edge SE AWD $3,757
Chevrolet Equinox LS AWD $3,804
Dodge Grand Caravan Hero $3,814
Toyota RAV4 2WD $3,804
Chevrolet Malibu Hybrid $3,812
Ford Explorer Limited 4WD $3,853
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,862
Honda Odyssey EX-L $4,009
Toyota Camry XLE $4,015
Toyota Corolla LE $4,009
Jeep Grand Cherokee Limited 4WD $4,058
GMC Sierra SLE Crew Cab 2WD $4,067
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Above prices assume single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location which can modify coverage rates noticeably.

Based upon the table data, you can infer that vehicles like the Honda CR-V, Ford Escape, and Honda Accord are some of the most economical vehicles to insure for young women. The price for car insurance will tend to be higher because of the fact that there is more claim exposure for 20 year old women, but overall those particular vehicles will tend to have the lowest insurance rates available.

The example below shows how choosing a deductible can impact insurance rates when getting quotes for cheap insurance for 20 year old women. The premiums assume a married male driver, full coverage, and no policy discounts are applied.

As shown above, a 40-year-old driver could save $274 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $414 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could lower their rates up to $912 each year by using a higher deductible.

When using a larger deductible, it will be important to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Get discounts on Atlanta auto insurance rates

Save on insurance for young women in AtlantaInsurance providers that offer quotes for 20 year old women may have policy discounts that can reduce rates by 30% or more if you are eligible to receive them. A list of insurance companies and some of the premium reductions they offer include:

The diagram below illustrates the difference between car insurance costs with and without discounts applied to the premium. The data is based on a male driver, a clean driving record, no at-fault accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, good student, passive restraint, paid-in-full, anti-theft, and continuous coverage discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for 20 year old women is 18% or $564.

Safe drivers pay less for insurance

The obvious way to score the best insurance rates in Georgia for young women is to be an attentive driver and avoid accidents and traffic violations. The illustration below illustrates how speeding tickets and accidents can impact yearly insurance costs for each different age group. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,577. Add in one speeding ticket and the average cost jumps to $1,814, an increase of $237 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for 20 year old women increases to an average of $3,936. That’s an increase of $2,359, or $197 per month, just for being a less-than-perfect driver!

Atlanta car insurance rates

Atlanta, GA insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Improving your credit rating, increasing deductibles, or getting into an accident can cause premium changes that can make some companies cheaper than others. Additionally, insurers change prices as needed as an adjustment for underwriting gains or losses. Heavy losses can result in more expensive prices, while lower claim expenses may result in more affordable Atlanta car insurance rates.

The data below compares the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with no prior claims, no tickets, and great credit. When comparing rates based on her personal profile, Auto-Owners may have the most affordable car insurance rates in Atlanta at $1,172 each year. This is $357 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the rest of the best Atlanta, GA auto insurance companies.

Now we will pretend the driver from the first set of rates a claim or two, a lower credit rating, and a stop sign violation. Because each insurer uses their own method for establishing rates, analyzing rate quotes may now present a slightly different list of cheap Atlanta auto insurance companies as shown below.

The Hartford now has the lowest price on auto insurance in Atlanta with Travelers, Mercury, USAA, and Safeco completing the list. This example illustrates why it is critical to spend some time comparing rates when trying to get cheap car insurance rates for 20 year old women.

Auto insurance prices can be altered by many different factors and change substantially, so the cheapest option the last time you shopped your coverage around may now be costing you a lot of money.