The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are shopping around for the best car insurance rates for drivers with good credit. Because it’s not cheap, let’s learn about some things that influence insurance premiums, and figure out some ways to reduce the cost of your next policy.
Trying to find budget insurance is hard enough, and figuring out which companies have the cheapest auto insurance rates for drivers with good credit involves even more work. Each auto insurer uses different criteria for determining rates in each state, so let’s begin by taking a look at the most affordable auto insurance companies in Atlanta.
It’s important to know that Atlanta auto insurance rates are determined by lots of factors that may substantially change the cost of a policy. Price variation is why Georgia drivers need to take the time to shop around when trying to get the most budget-friendly insurance quotes for drivers with good credit. Insurance prices can be determined by many different factors and change dramatically, so the cheapest company when you last compared rates may now not even be in the top five.
Compare Cheap Insurance Quotes for High Credit
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $864 |
| 2 | The Hartford | $922 |
| 3 | USAA | $968 |
| 4 | Central Mutual | $1,169 |
| 5 | MetLife | $1,238 |
| 6 | Georgia Farm Bureau | $1,312 |
| 7 | Travelers | $1,331 |
| 8 | Safeco | $1,355 |
| 9 | Mercury | $1,397 |
| 10 | Allied | $1,409 |
| 11 | Country | $1,419 |
| 12 | State Farm | $1,432 |
| 13 | California Casualty | $1,531 |
| 14 | Encompass | $1,623 |
| 15 | Progressive | $1,738 |
| 16 | Nationwide | $1,845 |
| 17 | Liberty Mutual | $2,004 |
| 18 | Allstate | $2,180 |
| 19 | GEICO | $2,209 |
| 20 | Victoria | $2,585 |
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Auto-Owners may offer some of the cheapest car insurance rates in Atlanta at around $864 a year. This is $665 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the more affordable Atlanta, GA car insurance companies.
As the rates illustrate above, if you buy coverage from Central Mutual and switched to Auto-Owners, you might see an annual premium reduction of around $305. Insureds with MetLife might save as much as $374 a year, and Georgia Farm Bureau insureds might lower prices by $448 a year.
If you want to see how much you could save, click here or visit any of the companies below.
Remember that these premiums are averaged across all drivers and vehicles and and are not figured with a specific zip code for drivers with good credit. So the company that can offer you the lowest price may not even be in the top 20 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own individual information.
The type of vehicle to be insured is probably the most important factor when looking for economical insurance for drivers with good credit. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The next list presents car insurance costs for a number of the most affordable automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT 2WD | $1,633 |
| Honda CR-V LX 2WD | $1,668 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,778 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,811 |
| Ford Escape Limited 2WD | $1,833 |
| Ford Fusion SE 4-Dr Sedan | $1,844 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,851 |
| Chevrolet Silverado LT Regular Cab | $1,846 |
| Nissan Rogue S 2WD | $1,852 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,846 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,876 |
| Ford Edge Limited 2WD | $1,939 |
| Kia Optima SX | $1,967 |
| Toyota RAV4 Sport 2WD | $1,978 |
| Toyota Prius | $1,989 |
| Dodge Ram 2500 Mega Cab Laramie 4WD | $2,000 |
| Dodge Grand Caravan SE | $2,002 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,013 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $2,044 |
| Ford Focus SEL 4-Dr Sedan | $2,054 |
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific zip code location which can impact premium rates substantially.
Based upon these rates, you can presume that vehicles like the Ford Explorer, Honda CR-V, Hyundai Elantra, and Honda Odyssey are likely to be a few of the cheapest vehicles to insure for financially responsible drivers.
Accidents and violations increase rates
A great way to enjoy the most affordable auto insurance rates in Georgia for financially responsible drivers is to be a good driver and avoid accidents and traffic citations. The example below illustrates how violations and fender-benders drive up auto insurance rates for different ages of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance in Georgia per year with no accidents and a clean driving record is $2,362. Add in two speeding tickets and the average cost swells to $3,373, an increase of $1,010 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for drivers with good credit goes up to an average of $6,935. That’s an increase of $4,573, or $381 per month, just for not being attentive to the road!
How to get discounts on Atlanta car insurance
Insurance companies that offer coverage for drivers with good credit may have premium discounts that can reduce rates by as much as 35% or more if you qualify for them. Large auto insurance companies and some of their more popular discounts can be read below.
- 21st Century policyholders can earn discounts including defensive driver, theft prevention, early bird, automatic seat belts, homeowners, and air bags.
- State Farm discounts include student away at school, good student, defensive driving training, Steer Clear safe driver discount, and multiple autos.
- AAA includes discounts for pay-in-full, good student, multi-car, education and occupation, and good driver.
- Liberty Mutual offers discounts including new move discount, hybrid vehicle, newly retired, exclusive group savings, newly married, and good student.
- Progressive offers discounts for multi-vehicle, multi-policy, online quote discount, good student, online signing, continuous coverage, and homeowner.
The information below visualizes the comparison of insurance costs with and without some available policy discounts. Data assumes a male driver, a clean driving record, no at-fault accidents, Georgia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, safe-driver, defensive driving course, claim-free, multiple policy, and passive restraint discounts applied. With discounts applied, the average savings per year on auto insurance for drivers with good credit is 28% or $621.
Georgia auto insurance companies
Ending up with the highest-rated insurance company is hard considering how many companies there are to choose from in Atlanta. The ranking data listed below can help you analyze which coverage providers you want to consider comparing prices from.
The ratings below are for companies with a national presence, so companies that have a smaller presence will not be included in the list. To get rate quotes from these and other companies in Georgia, click this link.
| 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 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies