You’ve seen the captivating ads from auto insurance companies like Allstate and The General guaranteeing enormous savings, so drivers should just pick one randomly, right?
It’s just not that easy, however, as there are many unknown aspects such as if you have maintained coverage continuously, the crime level of your neighborhood, how much you actually drive in a year, and whether you just want liability only, that all influence how much you pay for auto insurance. The content below will cover the best ways to find cheap auto insurance and hopefully give you enough understanding to have a good start to your coverage search.
The car, truck, or SUV needing coverage is one of the main factors when shopping for cheaper coverage for handicapped drivers. Vehicles with average performance, good crash test ratings, or a track record of few liability claims will cost much less to insure than high performance models.
The data below outlines auto insurance premiums for some of the most cost-effective automobiles to insure in Georgia.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,317 |
| Honda Odyssey LX | $1,450 |
| Ford Focus SE 4-Dr Sedan | $1,531 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,560 |
| Chevrolet Malibu LS | $1,567 |
| Toyota RAV4 2WD | $1,560 |
| Dodge Grand Caravan Crew | $1,591 |
| Ford Escape XLS 2WD | $1,614 |
| Toyota Camry SE | $1,640 |
| Toyota Prius | $1,666 |
| Nissan Rogue SL 2WD | $1,669 |
| Kia Optima LX | $1,679 |
| Jeep Grand Cherokee Limited 2WD | $1,672 |
| Honda Civic DX 4-Dr Sedan | $1,752 |
| Hyundai Elantra SE Touring Station Wagon | $1,755 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in your specific Atlanta, GA location which can modify rates considerably.
Based upon these rates, we can infer that vehicles like the Honda CR-V, Honda Odyssey, Ford Focus, and Chevrolet Silverado are most likely going to be a few of the most affordable vehicles to insure for drivers with handicaps.
Trying to buy budget auto insurance is challenging, and deciding which companies quote the cheapest auto insurance rates for handicapped drivers will require even more perseverance.
Every auto insurer has their own unique process for setting rates, so we’ll go over the overall cheapest auto insurance companies in Georgia.
Compare Cheap Insurance Quotes in Georgia
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $839 |
| 2 | The Hartford | $922 |
| 3 | USAA | $1,008 |
| 4 | Central Mutual | $1,205 |
| 5 | MetLife | $1,264 |
| 6 | Georgia Farm Bureau | $1,273 |
| 7 | Travelers | $1,279 |
| 8 | Mercury | $1,355 |
| 9 | Country | $1,391 |
| 10 | Safeco | $1,397 |
| 11 | Allied | $1,424 |
| 12 | State Farm | $1,446 |
| 13 | California Casualty | $1,515 |
| 14 | Encompass | $1,689 |
| 15 | Progressive | $1,774 |
| 16 | Nationwide | $1,845 |
| 17 | Liberty Mutual | $2,004 |
| 18 | GEICO | $2,209 |
| 19 | Allstate | $2,268 |
| 20 | Victoria | $2,559 |
| Quote Your Rates Go | ||
Auto-Owners quotes some of the lowest car insurance rates in Atlanta at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the most economical Atlanta, GA auto insurance companies.
As illustrated above, if you currently buy coverage from Central Mutual and switched to Auto-Owners, you may see yearly savings of in the neighborhood of $366. Drivers with MetLife may save as much as $425 a year, and Georgia Farm Bureau policyholders might cut rates by $434 a year.
To get a quick, customized rate comparison, click here or quote rates from the companies below.
Understand that those premium estimates are averages for all drivers and vehicles in Georgia and and are not calculated with a specific vehicle garaging location for handicapped drivers. So the auto insurance company that fits you best may not even be in the top 20 companies in the list above. That emphasizes why you need to get rate quotes using your own specific driver and vehicle information.
One of the many things that aid in calculating the cost of insurance is where you choose to live in Atlanta. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.
The next table ranks the most expensive areas in Georgia for handicapped drivers to purchase a policy in. Atlanta is ranked at #2 with a yearly premium of $1,419 for the average insurance policy, which is approximately $118 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | East Point | $1,436 |
| 2 | Atlanta | $1,419 |
| 3 | North Atlanta | $1,336 |
| 4 | Mableton | $1,293 |
| 5 | Smyrna | $1,292 |
| 6 | Dunwoody | $1,281 |
| 7 | Macon | $1,279 |
| 8 | Sandy Springs | $1,268 |
| 9 | Columbus | $1,256 |
| 10 | Alpharetta | $1,246 |
| 11 | Marietta | $1,241 |
| 12 | Roswell | $1,222 |
| 13 | Rome | $1,218 |
| 14 | Savannah | $1,203 |
| 15 | Augusta | $1,185 |
| 16 | Gainesville | $1,184 |
| 17 | Peachtree City | $1,168 |
| 18 | Martinez | $1,164 |
| 19 | Warner Robins | $1,161 |
| 20 | Hinesville | $1,157 |
| Compare Rates Now Go | ||
Rate information is approximated as the specific geographic location can affect premium rates noticeably.
Bad driving habits will cost you more
One of the best ways to enjoy the most affordable auto insurance rates for drivers with handicaps is to drive safe and avoid getting tickets or having accidents. The information below illustrates how traffic citations and fender-benders drive up car insurance rates for different insured age categories. The prices are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in Atlanta per year with no accidents or violations is $1,764. Factor in one speeding ticket and the average cost rises to $2,000, an increase of $236 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance for handicapped drivers increases to an average of $4,122. That’s an increase of $2,358, or $197 per month, just for not being attentive to the road!
Best auto insurance in Atlanta
Buying coverage from a good quality insurance company can be rather challenging considering how many choices drivers have in Georgia. The company rank data shown below can help you pick which car insurance companies to look at putting your business with.
These rankings are only comprised of the largest companies in America, so smaller companies will not be included in the list. To get price quotes from many more Georgia auto insurance companies, just click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Atlanta auto insurance rates
Insurance providers that provide policies for handicapped drivers may additionally offer price discounts that can reduce rates by 30% or more if you qualify for them. Large auto insurance companies and some of their more popular discounts are shown below.
- GEICO includes discounts for multi-vehicle, anti-lock brakes, good student, driver training, and federal employee.
- MetLife offers discounts for claim-free, multi-policy, defensive driver, accident-free, good driver, and good student.
- State Farm may have discounts that include student away at school, multiple autos, driver’s education, accident-free, passive restraint, and safe vehicle.
- Progressive policyholders can earn discounts including multi-policy, multi-vehicle, online quote discount, homeowner, and online signing.
- Mercury Insurance may include discounts for low natural disaster claims, type of vehicle, good driver, professional/association, and accident-free.
- 21st Century has savings for air bags, 55 and older, homeowners, driver training, good student, student driver, and automatic seat belts.
- Allstate discounts include premier discount, FullPay discount, anti-lock brakes, anti-theft, farm vehicle, and early signing.
The illustration below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no violations or accidents, Georgia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, marriage, homeowner, defensive driving course, multiple vehicle, and claim-free discounts applied. When discounts are applied, the average savings per year on auto insurance for handicapped drivers is 28% or $657.
Comparing rates can save you money
Atlanta auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Simply having a birthday, buying a home, or having an at-fault accident can trigger rate changes resulting in some rates now being more affordable than competitors.
Not only may your risk profile change, but auto insurance companies change premium rates multiple times each year as an adjustment for underwriting gains or losses. Higher than usual claims may cause additional premium costs, while better underwriting can produce lower-priced Atlanta car insurance rates.
To illustrate this point, the graph below shows which company has the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with no accidents or violations, and a decent credit rating. If we estimate prices based on his current risk profile, Auto-Owners may offer the lowest car insurance rates in Atlanta at $1,081 a year. This is $448 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife round out the rest of the most affordable Atlanta, GA auto insurance companies.
Now let’s give the driver from above a claim, slightly worse credit, and a few traffic violations. Since each company uses a different method to set their prices, analyzing rate quotes could now result in a different list of affordable companies as shown below.
Georgia Farm Bureau now has the cheapest insurance rate in Atlanta with The Hartford, Mercury, State Farm, and Allied now rounding out the top five. This shows why consumers need to take the time to perform an extensive rate comparison when trying to find the most affordable auto insurance quotes for handicapped drivers. Insurance rates can be altered by many factors and can change substantially, so the most economical option the last time you shopped around may now be quite expensive.
If you would rather get help from a professional when comparing insurance rates for drivers with handicaps, the agents below are willing to help you decide which car insurance company is the best fit.
To locate an agency near you, click the button below the list.
- Allstate Insurance: Laura Leidigh
7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650 - Allstate Insurance: Douglas Hollis
2195 Fairburn Rd SW – Atlanta, GA 30331 – (404) 629-1510 - Lisa Dobbs – State Farm Insurance Agent
2323 Cumberland Pkwy SE #101 – Atlanta, GA 30339 – (404) 365-8515