Who Has the Cheapest Auto Insurance Rates for Nurses in Atlanta?

I’m sure you’ve seen the catchy advertisements from car insurance companies like Farmers and Progressive that claim dirt cheap rates, so drivers just need to pick the company with the best ad, right?

Unfortunately, it’s just not that easy, as there are a ton of unknown aspects like if you are married, what level of deductibles you wish to have, how experienced of a driver you are, and how far you drive each year. We will try to cover some of these criteria and will hopefully give you a solid foundation to find cheaper car insurance in Georgia.

Trying to find reasonably-priced auto insurance is not the easiest thing to do, and determining which company quotes the most affordable insurance rates for nurses requires more quotes for comparison. Each insurer has their own unique process for establishing rates, so we’ll take a look at the insurance companies with the most affordable rates in Atlanta.

Best Cheap Insurance Rates for Health Occupations

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Cheapest insurance companies in Georgia
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $886
3 USAA $998
4 Central Mutual $1,157
5 MetLife $1,226
6 Travelers $1,279
7 Georgia Farm Bureau $1,299
8 Country $1,377
9 Safeco $1,411
10 Mercury $1,411
11 State Farm $1,446
12 Allied $1,467
13 California Casualty $1,515
14 Encompass $1,673
15 Progressive $1,791
16 Nationwide $1,845
17 Liberty Mutual $2,004
18 Allstate $2,180
19 GEICO $2,209
20 Victoria $2,559
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Auto-Owners has some of the best car insurance rates in Atlanta at around $839 a year. This is $690 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the cheaper Atlanta, GA auto insurance companies.

As shown above, if you buy coverage from MetLife and switched to The Hartford, you may realize annual savings of roughly $340. Drivers with Travelers may save as much as $393 a year, and Georgia Farm Bureau customers might lower prices by $413 a year.

To see if you’re overpaying, click here or click through to the companies below.

These prices are averages for all drivers and vehicles and and are not figured with a specific zip code for nurses. So the company that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own individual information.

One of the more important components that are looked at to determine auto insurance rates is where you live. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The table below lists the most expensive areas in Georgia for nurses to buy car insurance in. Atlanta makes the list at #2 with a yearly cost of $1,419 for the average policy, which is approximately $118 per month.

Car insurance prices in Atlanta
Rank City Average Per Year
1 East Point $1,436
2 Atlanta $1,419
3 North Atlanta $1,310
4 Dunwoody $1,307
5 Macon $1,291
6 Smyrna $1,280
7 Mableton $1,267
8 Roswell $1,259
9 Alpharetta $1,246
10 Columbus $1,243
11 Sandy Springs $1,242
12 Marietta $1,241
13 Savannah $1,239
14 Augusta $1,221
15 Gainesville $1,220
16 Rome $1,218
17 Peachtree City $1,156
18 Albany $1,154
19 Athens $1,136
20 Martinez $1,130
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Rates are comparative as the vehicle garaging location can affect premiums considerably.

Selecting the right company can be difficult considering how many companies there are in Atlanta. The company ratings in the lists below could help you choose which auto insurers to look at shopping prices with.

The ratings below are only comprised of companies with a national presence, so smaller companies are not included in these rankings. If you’d like to compare prices from many more Georgia auto insurance companies, click this link.

Top Ten Insurance Companies for Nurses in Atlanta, GA
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
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability-only in Atlanta

Buying cheaper insurance is important to the majority of vehicle owners, and a great way to save on the cost of insurance for nurses is to not pay for full coverage. The diagram below illustrates the difference between insurance prices when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.

If averaged for all ages, physical damage coverage on your policy costs an extra $2,252 per year more than just buying liability only. Many people question if full coverage is worth the money. There is no definitive rule to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s book value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,500 after paying your policy deductible. If premium cost is more than $350 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some scenarios where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

The illustration below shows how choosing a deductible can increase or decrease premium costs when researching cheap insurance for nurses. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could lower their car insurance rates by $422 a year by changing from a $100 deductible to a $500 deductible, or save $634 by using a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save as much as $898 annually by using higher deductibles when buying full coverage.

When raising deductibles, it is essential to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

If you aren’t sure which coverage you need and prefer to have a consultation when shopping for cheaper insurance for nurses, the insurance agencies below are willing to help you decide which is the best policy.

To locate an agency closest to you, click the button link following the list or click here to compare prices now.

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How to find more affordable auto insurance for nurses

Below you’ll find many penny-pinching solutions that can help drivers get cheap coverage.

That last piece of advice is highly vital, as we noted in this piece. Car insurance rates in Atlanta change frequently, so don’t hesitate to change to a new company if a more affordable rate is found. Many consumers stick with the same company and that’s fine, but it’s not a great idea if that stubbornness costs you hundreds of dollars year after year. Take a few minutes and shop around and find cheaper insurance for nurses.