Who Has the Cheapest Atlanta Auto Insurance with Multiple Speeding Tickets?

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One of the many components that help determine the cost of insurance is where you normally keep your vehicle. More densely populated places tend to pay slightly more, whereas less populated areas tend to receive cheaper rates.

The following table lists the highest-priced places in Georgia with multiple speeding tickets in which to buy car insurance. Atlanta is ranked at #2 with the annual price of $1,419 for the average insured, which is about $118 per month.

How much is auto insurance in Atlanta, GA?
Rank City Annual Rate
1 East Point $1,436
2 Atlanta $1,419
3 North Atlanta $1,349
4 Dunwoody $1,320
5 Mableton $1,306
6 Macon $1,291
7 Alpharetta $1,284
8 Roswell $1,272
9 Sandy Springs $1,268
10 Columbus $1,256
11 Marietta $1,253
12 Smyrna $1,242
13 Savannah $1,227
14 Rome $1,206
15 Peachtree City $1,192
16 Gainesville $1,184
17 Augusta $1,173
18 Martinez $1,164
19 Athens $1,158
20 Albany $1,154
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Rates are comparative as vehicle location can affect coverage prices greatly.

Deciding which companies have the cheapest insurance rates with multiple speeding tickets will take a little more sweat in order to find the best price. Each insurance company has their own formula to set premium rates, so we'll take a look at the insurance companies that tend to have lower prices in Georgia.

It's important to know that Atlanta, GA insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Simply having a birthday, buying a home instead of renting, or having an at-fault accident can trigger rate changes that can now make some companies more affordable than competitors.

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Cheapest Georgia car insurance ranked by price
Rank Company Cost Per Year
1 Auto-Owners $864
2 The Hartford $913
3 USAA $978
4 Central Mutual $1,193
5 MetLife $1,226
6 Georgia Farm Bureau $1,260
7 Travelers $1,318
8 Safeco $1,369
9 Country $1,391
10 Mercury $1,411
11 Allied $1,424
12 State Farm $1,446
13 California Casualty $1,531
14 Encompass $1,623
15 Progressive $1,791
16 Nationwide $1,883
17 Liberty Mutual $2,064
18 GEICO $2,143
19 Allstate $2,268
20 Victoria $2,559
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Auto-Owners may have some of the lowest car insurance rates in Atlanta at around $864 a year. This is $665 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the most economical Atlanta, GA car insurance companies.

As illustrated above, if you are a customer of Central Mutual and switched to Auto-Owners, you could realize a yearly price reduction of in the vicinity of $329. Georgia drivers with MetLife could save as much as $362 a year, and Georgia Farm Bureau customers might realize rate reductions of up to $396 a year.

To compare your rates to other Georgia insurance companies, click here or visit any of the low-priced companies below.

Bear in mind that those premiums are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location with multiple speeding tickets. So the company that has the cheapest price for you may not even be in the top 20 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

The vehicle you are buying coverage for is probably the biggest factor when quoting low-cost auto insurance with multiple speeding tickets. Vehicles with economical engines, good crash test ratings, or a positive history of liability claims will cost substantially less to insure than high performance models. The list below features auto insurance prices for a handful of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,966
Jeep Wrangler Sahara 4WD 2-Dr $2,150
Ford Escape Limited 2WD $2,168
Ford F-150 XLT Super Cab 4WD $2,192
Chevrolet Impala LS $2,231
Chevrolet Silverado LS Extended Cab 4WD $2,276
Toyota Tacoma Double Cab TRD Sport Package 4WD $2,318
Ford Explorer Limited 4WD $2,323
Toyota Prius $2,352
Ford Focus SES 4-Dr Sedan $2,355
Volkswagen Jetta SEL 4-Dr Sedan $2,442
Chevrolet Malibu LTZ $2,448
Chevrolet Silverado 2500HD LT Crew Cab 4WD $2,442
Honda Odyssey EX W/Rear Entertainment $2,463
Ford Edge SEL AWD $2,473
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Cost estimates assume single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in garaging location in Atlanta, GA which can impact premiums substantially.

Looking at the numbers, you can see that makes and models like the Honda CR-V, Jeep Wrangler, Ford Escape, Ford F-150, and Chevrolet Impala will definitely be some of the most economical vehicles to insure after a few driving violations.

Finding the right insurer can be rather challenging considering how many companies sell insurance in Georgia. The information in the next section could help you decide which companies to look at purchasing coverage from.

The rankings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Georgia will not be included in this list. To get price quotes from many more Georgia auto insurance companies, follow this link.

Atlanta, GA Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

The illustration below demonstrates how deductibles can change premium costs when quoting cheap insurance with multiple speeding tickets. The rate quotes are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

A 40-year-old driver could lower rates by $372 a year by switching from a $100 deductible to a $500 deductible, or save $564 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could drop their prices up to $950 annually by using higher deductibles when buying full coverage.

When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Safe drivers Atlanta pay cheaper rates

A great way to earn the most affordable insurance rates in Georgia after a few driving violations is to drive safe and not have accidents or get tickets. The chart below illustrates how traffic citations and at-fault accidents influence insurance premiums for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

The chart shows that the average cost of car insurance in Atlanta per year with a clean driving record and no accidents is $1,960. Factor in two speeding tickets and the average cost surges to $2,630, an increase of $670 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance with multiple speeding tickets increases to an average of $5,101. That's an increase of $3,141, or $262 per month, just for not driving responsibly!

Why are you paying too much for Atlanta car insurance?

Atlanta insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. Simply improving your credit, moving to a different location, or getting a DUI may generate price changes that may make certain companies more affordable than competitors.

Not only may things change on your end, but car insurance companies change rates every year or even multiple times each year as an adjustment for underwriting gains or losses. An unexpected high level of claims may result in more expensive prices, while a lower level of claims can cause cheaper Atlanta car insurance rates.

To illustrate this example, the data below shows the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we estimate rates based on his current rating profile, Auto-Owners might quote the lowest car insurance rates in Atlanta at $1,092 each year. This is $437 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are the rest of the most affordable Atlanta, GA auto insurance companies.

Now we will pretend the driver in the first example a claim or two, a lower credit score, and a blemish on his driving record. Due to the fact that each insurance company has their own formula to set premium rates, getting updated rate quotes could result in a substantially altered list of companies as shown below.

Travelers now has the best car insurance rate in Atlanta with The Hartford, USAA, Country, and Mercury also having competitive pricing. This illustrates why it is critical to shop around to get the cheapest insurance rates with multiple speeding tickets. Prices can be determined by many risk factors and change dramatically, so the cheapest company six months ago may now be costing you a lot of money.