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

The car, truck, or SUV needing coverage is probably the most important factor when comparing the cheapest coverage for 20 year old guys. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost significantly less to insure than high performance models.

The information below features coverage rates for a number of the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in Atlanta, GA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,902
Hyundai Elantra GLS Touring Station Wagon $3,912
Ford Escape XLT 4WD $3,961
Toyota Prius $4,309
Jeep Wrangler Sahara 4WD 2-Dr $4,342
Ford F-150 STX Regular Cab 4WD $4,351
Chevrolet Impala LS $4,575
Ford Edge SEL 2WD $4,585
Honda Odyssey EX W/Rear Entertainment $4,575
Volkswagen Jetta 2.0T Station Wagon $4,597
Chevrolet Malibu LS $4,633
Toyota RAV4 Sport 4WD $4,639
Toyota Tacoma Double Cab 4WD $4,691
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Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can lower or raise coverage rates greatly.

Looking at the rates, we can infer that vehicles like the Honda CR-V, Hyundai Elantra, Ford Escape, Toyota Prius, and Jeep Wrangler are most likely to be a few of the most budget-friendly vehicles to insure for young men. The cost of a car insurance policy will tend to be more expensive just due to the fact that there is more claim exposure for 20 year old guys, but overall those makes and models will tend to have the lowest prices compared to other vehicles.

For young men, one of the big factors that help determine car insurance rates is where you live in Atlanta. More densely populated places tend to have more expensive car insurance rates, whereas areas with less crime or weather claims tend to receive cheaper rates.

The illustration below shows the most costly cities in Georgia for 20 year old guys to purchase auto insurance in. Atlanta is ranked #2 with an annual premium of $1,405 on average, which is approximately $117 monthly.

Car insurance prices in Atlanta
Rank City Annual Premium
1 East Point $1,450
2 Atlanta $1,405
3 North Atlanta $1,349
4 Dunwoody $1,320
5 Mableton $1,293
6 Smyrna $1,292
7 Macon $1,279
8 Roswell $1,272
9 Columbus $1,256
10 Marietta $1,253
11 Sandy Springs $1,242
12 Alpharetta $1,234
13 Gainesville $1,232
14 Augusta $1,221
15 Rome $1,218
16 Savannah $1,203
17 Athens $1,170
18 Peachtree City $1,156
19 Albany $1,142
20 Martinez $1,118
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Rate information is estimated as vehicle location can lower or raise auto insurance rates noticeably.

Figuring out which companies have the best insurance rates for 20 year old guys takes a bit more work in order to find a policy that fits your budget. Each insurance company uses their own calculation to establish rates, so let’s take a look at the insurance companies with the overall best prices in Atlanta.

Find Cheaper Car Insurance for Men Age 20

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Cheapest Georgia auto insurance companies
Rank Company Cost Per Year
1 Auto-Owners $830
2 The Hartford $913
3 USAA $998
4 Central Mutual $1,193
5 MetLife $1,226
6 Travelers $1,279
7 Georgia Farm Bureau $1,299
8 Safeco $1,355
9 Country $1,377
10 State Farm $1,404
11 Mercury $1,411
12 Allied $1,452
13 California Casualty $1,577
14 Encompass $1,689
15 Progressive $1,738
16 Nationwide $1,827
17 Liberty Mutual $2,044
18 GEICO $2,165
19 Allstate $2,202
20 Victoria $2,509
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Auto-Owners may offer some of the lowest car insurance rates in Atlanta at around $830 each year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the more affordable Atlanta, GA car insurance companies.

As illustrated above, if you are a policyholder with Central Mutual and switched to The Hartford, you could see an annual premium reduction of in the neighborhood of $280. Drivers with MetLife might save as much as $313 a year, and Travelers policyholders might realize rate reductions of up to $366 a year.

Bear in mind that those prices are averages across all types of insureds and vehicles and and are not figured with an exact zip code location for 20 year old guys. So the car insurance company that has the lowest price for you may not even be in the top 20 companies in the list above. That’s why you need to get rate quotes from many companies using your own individual information.

Get discounts on Atlanta insurance rates

Insurance for young men in Atlanta, GAInsurance providers that sell policies for 20 year old guys may provide special discounts that may potentially lower prices by as much as 40% or more if you qualify for them. A list of companies and some of the premium reductions they offer are:

The illustration below shows the comparison of car insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving violations, Georgia state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, good student, paid-in-full, paperless filing, vehicle safety, and anti-theft discounts applied. In this example, the average amount saved each year on insurance for 20 year old guys is 21% or $451.

Difference between liability only and full coverage rates

Finding the cheapest insurance is the goal of the majority of drivers, and one way to find cheaper insurance for 20 year old guys is to only buy liability coverage. The diagram below illustrates the comparison of car insurance costs when comparing full coverage to liability only. Data assumes no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged for all ages 20 through 70, full coverage on your policy costs $2,063 per year more than just buying liability only. That is a large expense which might make you wonder if you should buy full coverage at all. There isn’t a steadfast formula to eliminate physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

Why you should be comparing rates

Atlanta, GA insurance rates are impacted by many things which can substantially change the price you have to pay. Simply turning a year older, getting divorced, or getting into an accident can trigger rate changes that can now make some companies more affordable than before. Not only may your situation change, but car insurance companies file new Georgia auto insurance rates as often as every quarter to reflect underwriting profits or losses. Significantly higher claims may result in more expensive premiums, while long-term profits can result in cheaper Atlanta car insurance rates.

The bar chart below shows which company has the cheapest car insurance in Atlanta, GA for a 35-year-old female driver with a good driving record, no prior claims, and good credit. When comparing rates based on her current risk profile, Auto-Owners might quote the lowest 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 also on the list of the cheapest Atlanta, GA auto insurance companies.

In this example, we will give the driver from the first set of rates a claim, a lower credit score, and a few traffic violations. Because each company uses their own calculation for establishing rates, comparing quotes may now show a different set of the cheapest companies as shown below.

Travelers now has the cheapest insurance rate in Atlanta, GA with The Hartford, Mercury, State Farm, and Safeco also having competitive pricing. This illustrates why consumers need to take the time to compare rates when trying to find affordable auto insurance rates for 20 year old guys. Rates consist of many factors and can change substantially, so the cheapest company when you last compared rates may now cost much more than other companies.