Who Has the Cheapest Car Insurance Rates for Uber Drivers in Atlanta?

One of the many components that help determine auto insurance rates is your zip code in Atlanta. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas more rural areas receive better rates.

The following table lists the most costly cities in Georgia for Uber drivers in which to purchase auto insurance. Atlanta comes in at #2 costing $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 $1,310
4 Dunwoody $1,307
5 Mableton $1,293
6 Smyrna $1,292
7 Macon $1,291
8 Alpharetta $1,272
9 Sandy Springs $1,268
10 Roswell $1,259
11 Marietta $1,253
12 Gainesville $1,232
13 Columbus $1,206
14 Rome $1,206
15 Peachtree City $1,192
16 Savannah $1,191
17 Augusta $1,185
18 Athens $1,170
19 Martinez $1,130
20 Hinesville $1,123
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Annual rates are comparative as the specific area where the vehicle is garaged can raise or lower price quotes considerably.

Determining which company offers the cheapest car insurance rates for Uber drivers will take a little more effort in order to find the lowest price quote.

Every car insurance company has a proprietary formula to set premium rates, so we’ll take a look at the overall cheapest car insurance companies in Atlanta. It’s important to know that Atlanta, GA car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Improving your credit score, getting married, or getting a reckless driving citation may cause policy rate changes that can make some companies cheaper than others.

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Cheapest insurance companies in Georgia
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $886
3 USAA $1,008
4 Central Mutual $1,169
5 MetLife $1,276
6 Georgia Farm Bureau $1,312
7 Travelers $1,318
8 Safeco $1,411
9 Mercury $1,411
10 Country $1,419
11 State Farm $1,432
12 Allied $1,467
13 California Casualty $1,531
14 Encompass $1,689
15 Progressive $1,774
16 Nationwide $1,883
17 Liberty Mutual $2,064
18 Allstate $2,180
19 GEICO $2,231
20 Victoria $2,585
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Auto-Owners normally has some of the cheapest car insurance rates in Atlanta at around $855 a year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the most economical Atlanta, GA car insurance companies.

As illustrated above, if you currently buy coverage from Central Mutual and switched to Auto-Owners, you could see an annual premium reduction of about $314. Policyholders with MetLife may save as much as $421 a year, and Georgia Farm Bureau insureds might cut rates by $457 a year.

Bear in mind that those policy rates are averages across all ages of drivers and types of vehicles and do not take into consideration a specific location for Uber drivers. So the auto insurance company that can offer you the lowest price 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 personal information and vehicle type.

The vehicle you are insuring is one of the main factors when comparing the best car insurance for Uber drivers. Vehicles with lower acceleration and performance, good safety features, or a track record of few liability claims will cost much less to insure than fast, unsafe models.

The next table estimates car insurance premiums for the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Atlanta, GA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,210
Ford F-150 XLT Regular Cab 4WD $1,323
Dodge Grand Caravan SE $1,328
Ford Escape Limited 2WD $1,384
Volkswagen Jetta 2.0T Station Wagon $1,387
Chevrolet Impala LT $1,395
Jeep Grand Cherokee Laredo 4WD $1,404
Ford Explorer Eddie Bauer 4WD $1,425
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,434
Toyota Camry SE $1,470
Nissan Altima 3.5 SR 4-Dr Sedan $1,500
Ford Fusion SE 4-Dr Sedan $1,505
GMC Sierra SL Crew Cab 2WD $1,500
Toyota Prius $1,505
Ford Focus SE 4-Dr Sedan $1,553
Honda Civic DX 4-Dr Sedan $1,559
Ford Edge SE AWD $1,567
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in zip code location which can increase or decrease coverage rates significantly.

Looking at the data, vehicles like the Honda CR-V, Ford F-150, Dodge Grand Caravan, Ford Escape, and Volkswagen Jetta should be some of the most economical vehicles to insure for Uber vehicles.

The example below shows how choosing a deductible can impact annual premium costs when quoting cheap insurance for Uber drivers. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.

A 30-year-old driver could lower their policy premium by $422 a year by changing from a $100 deductible up to a $500 deductible, or save $638 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could potentially save $1,278 annually by selecting a higher deductible.

If you do raise deductibles, it is necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Cautious drivers save money

The obvious way to earn affordable car insurance rates for Uber vehicles is to be a careful driver and not receive tickets or have accidents. The chart below demonstrates how citations and accident claims can influence yearly insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

The data above shows the average cost of auto insurance per year with no violations or accidents is $1,402. Factor in two speeding tickets and the average cost rises to $1,924, an increase of $522 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for Uber drivers jumps again to an average of $4,105. That’s an increase of $2,703, or $225 per month, just for not driving attentively!

Does full coverage make sense?

Reducing the cost of car insurance is important to the majority of drivers, and one of the best ways to pay less for insurance for Uber drivers is to only buy liability insurance. The illustration below shows the difference between annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The premiums assume no claims or violations, $250 deductibles, single status, and no discounts are applied.

If the expense is averaged for all age categories, comp and collision coverage costs an extra $2,757 per year more than buying just liability insurance. At some point, about every driver wonders if paying for full coverage is a waste of money. There isn’t a steadfast formula to stop buying physical damage insurance, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s settlement value is $6,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $5,500 after paying your deductible. If it’s costing in excess of $550 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.