Who Has the Cheapest Atlanta Auto Insurance for Real Estate Agents?

Wouldn’t it be nice if you could know instantly that one special company that has the best auto insurance prices for real estate agents? It’s not that simple, unfortunately, as there are a whole bunch of unknowns like whether you are female or male, whether you want full coverage, and if you have ever had a coverage lapse, that all impact the cost of your policy. The information below will cover some of these criteria and will hopefully give you a jump start in finding the best auto insurance in Atlanta.

The vehicle model on the policy is one of the largest factors when looking for the best insurance for real estate agents. Vehicles with more horsepower, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below estimates car insurance prices for some of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Atlanta, GA
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,429
Ford F-150 XL Regular Cab 4WD $1,603
Honda CR-V LX 4WD $1,633
Toyota RAV4 Sport 2WD $1,690
Ford Focus SEL 4-Dr Sedan $1,744
Toyota Corolla XLE $1,777
Ford Edge SE 2WD $1,796
Toyota Prius $1,809
Volkswagen Jetta SEL 4-Dr Sedan $1,815
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,809
GMC Sierra SLE Regular Cab 4WD $1,814
Jeep Wrangler Sport 4WD 2-Dr $1,812
Honda Odyssey EX W/Rear Entertainment $1,899
Nissan Rogue SL AWD $1,904
Ford Escape Limited 4WD $1,901
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can revise price quotes greatly.

Based on these rates, makes and models like the Hyundai Elantra, Ford F-150, Honda CR-V, and Toyota RAV4 should be a few of the most affordable vehicles to insure for realtors.

For realtors, one of the largest considerations that aid in calculating the price you pay for insurance is your address. Regions with larger populations or more claims are more likely to pay higher prices, whereas less populated areas have the gratification of cheaper auto insurance rates.

The illustration below rates the most expensive cities in Georgia for real estate agents in which to purchase auto insurance. Atlanta is listed at #2 with an annual premium of $1,377 for the average policy, which is around $115 monthly.

How much is auto insurance in Atlanta, GA?
Rank City Average Per Year
1 East Point $1,494
2 Atlanta $1,377
3 North Atlanta $1,336
4 Alpharetta $1,284
5 Dunwoody $1,281
6 Smyrna $1,280
7 Marietta $1,279
8 Roswell $1,272
9 Mableton $1,267
10 Sandy Springs $1,242
11 Macon $1,241
12 Columbus $1,219
13 Augusta $1,209
14 Rome $1,206
15 Peachtree City $1,192
16 Savannah $1,191
17 Gainesville $1,184
18 Athens $1,158
19 Hinesville $1,145
20 Albany $1,142
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Table data uses estimated as the specific geographic location can increase or decrease price quotes substantially.

Shopping around for low-cost auto insurance is hard enough, and determining which companies offer the cheapest insurance rates for real estate agents calls for more quotes for comparison.

Each insurance company has a different process to determine rates, so first let’s look at the rankings for the lowest cost insurance companies in Atlanta. Keep in mind that Georgia insurance rates are influenced by many factors that may substantially change the cost of coverage. This price variation is why Atlanta drivers need to compare rates to find the most budget-friendly auto insurance rates for real estate agents. Insurance prices consist of many risk factors and can change without notice, so the most economical company the last time you shopped around may now be costing you a lot of money.

Cheapest Insurance Rates for Realtors

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Auto-Owners may offer some of the most affordable car insurance rates in Atlanta at around $839 per year. This is $690 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the best Atlanta, GA auto insurance companies.

As the rates illustrate above, if you currently have a policy with Central Mutual and switched to The Hartford, you may see savings of in the neighborhood of $310. Insureds with MetLife may save as much as $343 a year, and Travelers insureds might reduce prices by as much as $384 a year.

To compare your rates to other Georgia insurance companies, click here to get a free quote or quote prices from the following companies.

These premiums are averages across all drivers and vehicles in Georgia and and are not calculated with a vehicle location for real estate agents. So the company that can offer you the best rate may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

Rate difference between full and liability-only coverage

Saving money when shopping for insurance is probably important to most drivers, and an effective way to reduce the cost of insurance for real estate agents is to only buy liability coverage. The example below shows the comparison of car insurance costs with and without physical damage coverage. Data assumes no claims or driving violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage costs $1,786 per year more than just insuring for liability. That raises the question if buying full coverage is a good investment. There is no set guideline that is best for determining when to drop physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Selecting a high-quality car insurance provider is difficult considering how many companies there are to choose from in Georgia. The ranking data below may help you decide which car insurance providers to look at when insurance shopping for real estate agents.

These rankings are only made up of large, nationwide insurance companies, so companies that focus mainly on Georgia business are not included in this list. To check prices from the insurers below and more, click this link.

Top 10 Large Car Insurance Companies Overall in Atlanta

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Large Car Insurance Companies in Atlanta Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Violations and accidents raise rates

The ideal way to obtain the most affordable insurance prices for realtors is to pay attention while driving and avoid accidents and traffic violations. The chart below highlights how speeding tickets and accidents can raise car insurance rates for different insured age categories. The premiums assume a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,960. Add in two speeding tickets and the average cost increases to $2,630, an increase of $670 each year. Now get one accident along with the two speeding tickets and the annual cost of insurance for real estate agents jumps again to an average of $3,299. That’s an increase of $1,339, or $112 per month, just for not paying attention while driving!