Trying to buy reasonably-priced insurance is hard enough, and deciding which insurers offer the cheapest insurance rates for safe drivers will involve more quotes for comparison. Every car insurance company uses slightly different criteria for setting rates, so let’s take a look at the insurance companies with the most affordable rates in Georgia.
It’s important that you understand Georgia insurance rates are influenced by many factors that can increase your annual premium. Simply turning a year older, having a teen driver, or getting a DUI may generate price changes that can make some companies much cheaper than others.
Find the Best Cheap Insurance for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $839 |
| 2 | The Hartford | $913 |
| 3 | USAA | $1,008 |
| 4 | Central Mutual | $1,169 |
| 5 | MetLife | $1,238 |
| 6 | Georgia Farm Bureau | $1,273 |
| 7 | Travelers | $1,292 |
| 8 | Country | $1,377 |
| 9 | Safeco | $1,397 |
| 10 | Mercury | $1,397 |
| 11 | Allied | $1,409 |
| 12 | State Farm | $1,446 |
| 13 | California Casualty | $1,577 |
| 14 | Encompass | $1,689 |
| 15 | Progressive | $1,774 |
| 16 | Nationwide | $1,845 |
| 17 | Liberty Mutual | $2,044 |
| 18 | Allstate | $2,202 |
| 19 | GEICO | $2,209 |
| 20 | Victoria | $2,559 |
| Find Cheaper Rates Go | ||
Auto-Owners offers some of the most affordable car insurance rates in Atlanta at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the cheapest Atlanta, GA car insurance companies.
In the above rates, if you buy coverage from The Hartford and switched to Auto-Owners, you might see annual savings of in the vicinity of $74. Drivers with USAA could save as much as $169 a year, and Central Mutual customers might see rate reductions of $330 a year.
Understand that those rates are averages across all insureds and vehicles and and are not calculated with an exact zip code location for safe drivers. So the car insurance company that can offer the best rates for your situation may not even be in the top 20 companies shown above. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.
One of the many things that aid in calculating car insurance rates is where you keep your vehicle. Larger areas are more likely to have higher rates, whereas less populated areas profit from lower rates.
The next table lists the most costly cities in Georgia for safe drivers to purchase car insurance in. Atlanta shows up at #2 with an annual cost of $1,377 for the average policyholder, which is about $115 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | East Point | $1,436 |
| 2 | Atlanta | $1,377 |
| 3 | North Atlanta | $1,336 |
| 4 | Smyrna | $1,292 |
| 5 | Marietta | $1,291 |
| 6 | Macon | $1,291 |
| 7 | Dunwoody | $1,281 |
| 8 | Mableton | $1,267 |
| 9 | Roswell | $1,259 |
| 10 | Alpharetta | $1,246 |
| 11 | Sandy Springs | $1,230 |
| 12 | Savannah | $1,227 |
| 13 | Gainesville | $1,220 |
| 14 | Columbus | $1,219 |
| 15 | Augusta | $1,209 |
| 16 | Peachtree City | $1,192 |
| 17 | Athens | $1,170 |
| 18 | Rome | $1,170 |
| 19 | Warner Robins | $1,161 |
| 20 | Hinesville | $1,157 |
| Compare Rates Now Go | ||
Information shown are comparative as specific Atlanta garaging address can modify coverage rates noticeably.
The vehicle model requiring coverage is a large factor that determines whether or not you find the best car insurance for safe drivers. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models. The table below outlines auto insurance premiums for a number of the most budget-friendly automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,414 |
| Toyota Prius | $1,570 |
| Honda CR-V LX 4WD | $1,602 |
| Ford Escape XLS 2WD | $1,612 |
| Honda Odyssey LX | $1,698 |
| Toyota Tacoma Double Cab 4WD | $1,709 |
| Dodge Grand Caravan Crew | $1,714 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,731 |
| Ford F-150 XLT Super Cab 2WD | $1,736 |
| Toyota Corolla S | $1,768 |
| Ford Edge Sport 2WD | $1,774 |
| Dodge Ram Quad Cab ST 2WD | $1,867 |
| Ford Explorer Limited 4WD | $1,870 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in zip code location which can revise rates considerably.
Looking at the data, vehicles like the Honda Accord, Toyota Prius, Honda CR-V, and Ford Escape are most likely to be a few of the more affordable vehicles to insure for good drivers.
Best insurance in Georgia
Insuring your vehicle with a highly-rated car insurance company is hard considering how many different companies there are to choose from in Atlanta. The ranking information listed below can help you decide which car insurance providers to look at when comparing rates. The rankings below are only comprised of companies with a nationwide focus, so smaller companies are not factored into this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Atlanta insurance
Car insurance companies that offer coverage for safe drivers may have special discounts that can reduce rates by as much as 35% if you meet the requirements. Companies and the discounts they provide include:
- State Farm may offer discounts for good driver, anti-theft, Drive Safe & Save, multiple policy, passive restraint, and multiple autos.
- GEICO discounts include membership and employees, seat belt use, defensive driver, five-year accident-free, air bags, multi-policy, and emergency military deployment.
- Progressive offers discounts including online quote discount, homeowner, online signing, continuous coverage, good student, multi-policy, and multi-vehicle.
- 21st Century policyholders can earn discounts including driver training, early bird, anti-lock brakes, defensive driver, good student, and air bags.
- American Family offers premium reductions for defensive driver, air bags, accident-free, mySafetyValet, Steer into Savings, good driver, and bundled insurance.
- The Hartford has discounts for bundle, air bag, driver training, anti-theft, good student, defensive driver, and vehicle fuel type.
- AAA includes discounts for anti-theft, good student, education and occupation, pay-in-full, and multi-policy.
The information below shows the difference between premium costs with and without discounts being applied to the rates. The information is based on a female driver, no claims, a clean driving record, Georgia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, homeowner, multiple policy, safe-driver, defensive driving course, and passive restraint discounts applied. When taking advantage of discounts, the average savings per year on insurance for safe drivers is 28% or $665.
Comparing rates can save you money
Atlanta, GA insurance rates are determined by lots of factors that can increase the price you pay. Getting older, getting married, or getting a couple of tickets may cause policy rate changes that can cause some rates to be affordable when they were higher priced.
Additionally, insurers change premium rates multiple times each year to adjust for heavy claims or excess profits. Significantly higher claims may cause additional price hikes, while better underwriting may produce more affordable Atlanta car insurance rates.
The data below shows the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with no violations or accidents, and solid credit. Based on his current risk factors, Auto-Owners has the best car insurance rates in Atlanta at $1,114 a year. This is $415 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the rest of the cheapest Atlanta, GA auto insurance companies.
In this example, we will give the driver from the first example an accident claim, a lower credit rating, and a few blemishes on his driving record. Because each company has a unique approach for setting rates, analyzing rate quotes will most likely result in a completely different list of the cheapest car insurance companies in Atlanta as shown below.
The Hartford now has the cheapest auto insurance in Atlanta with Travelers, USAA, Country, and State Farm also being competitive. This example demonstrates why Georgia drivers need to compare lots of rates to find the most affordable insurance quotes for safe drivers. Prices are made up of many different factors and change dramatically, so the most economical company when you last compared rates may now be quite expensive.
The agents below can help you determine which coverage meets your needs best, as some people have coverage questions and would like to get some guidance when buying car insurance for safe drivers. It’s not always simple to find the best rates on your own, so insurance agents can give satisfaction knowing your coverage gives you sufficient coverage at claim time.
To find an Atlanta insurance agent close to you, click the link after the list.
Barry Domangue – State Farm Insurance Agent
1355 Peachtree St NE Ste 103 – Atlanta, GA 30309 – (404) 853-3772
Quentin Franklin – State Farm Insurance Agent
587 Virginia Ave NE Unit 3A – Atlanta, GA 30306 – (404) 575-4147
Allstate Insurance: Arlisher Jones
1176 Ralph David Abernathy Blvd SW – Atlanta, GA 30310 – (404) 752-7056
View more Atlanta, GA insurance agencies
How to find the cheapest auto insurance for safe drivers
The list below summarizes many thrifty ideas that can help Atlanta drivers quote cheap car insurance.
- Higher deductibles mean lower rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Save money by bundling your home and auto policies
- Too many claims can make car insurance unaffordable
- Vehicles with safetly features generally cost less to insure
- Higher credit ratings may save you money
- Shop around for cheaper prices often
That last tip is very significant, as was pointed out in the prior information. Prices charged by car insurance companies change a lot, so don’t be tentative to switch carriers if a cheaper price is available.
We understand brand loyalty, but we do not recommend it if that devotion results in you overpaying a small fortune. Now is a great time to compare rates to find cheaper insurance for safe drivers in Atlanta.