The words “low-cost” and “auto insurance” really should not be used together, specifically when you are trying to find the lowest insurance prices for teenage females. Let’s teach you some situations that have a considerable impact on car insurance rates, and come up with some ideas to take the sting out of the next policy you buy.
One of the many considerations that determine the amount you pay each year for auto insurance is your zip code in Atlanta. More populated areas tend to have more expensive car insurance rates, whereas less populated areas tend to receive slightly lower rates.
The following table rates the highest-priced places in Georgia for teenage females to buy auto insurance in. Atlanta is ranked at #2 with a yearly cost of $1,363 on average, which is around $114 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | East Point | $1,480 |
| 2 | Atlanta | $1,363 |
| 3 | Dunwoody | $1,307 |
| 4 | North Atlanta | $1,297 |
| 5 | Mableton | $1,293 |
| 6 | Smyrna | $1,292 |
| 7 | Marietta | $1,291 |
| 8 | Alpharetta | $1,272 |
| 9 | Macon | $1,253 |
| 10 | Sandy Springs | $1,242 |
| 11 | Roswell | $1,235 |
| 12 | Gainesville | $1,232 |
| 13 | Savannah | $1,227 |
| 14 | Columbus | $1,219 |
| 15 | Rome | $1,206 |
| 16 | Peachtree City | $1,204 |
| 17 | Augusta | $1,173 |
| 18 | Warner Robins | $1,161 |
| 19 | Hinesville | $1,157 |
| 20 | Martinez | $1,152 |
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Rates are approximated as specific Atlanta zip code can decrease or increase rates significantly.
Deciding which insurers offer the best car insurance rates for teenage females takes a bit more effort than just picking a company at random.
Every insurance provider has a proprietary formula to establish rates, so let’s take a look at the most budget-friendly car insurance companies in Georgia. It’s important that you understand Atlanta, GA car insurance rates are impacted by many factors that may substantially change the cost of a policy. Improving your credit score, getting married, or having a fender bender may prompt premium changes that can make some companies more affordable than the competition.
Best Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $830 |
| 2 | The Hartford | $922 |
| 3 | USAA | $998 |
| 4 | Central Mutual | $1,157 |
| 5 | MetLife | $1,238 |
| 6 | Travelers | $1,292 |
| 7 | Georgia Farm Bureau | $1,312 |
| 8 | Mercury | $1,397 |
| 9 | State Farm | $1,404 |
| 10 | Safeco | $1,411 |
| 11 | Country | $1,433 |
| 12 | Allied | $1,452 |
| 13 | California Casualty | $1,531 |
| 14 | Encompass | $1,673 |
| 15 | Progressive | $1,738 |
| 16 | Nationwide | $1,901 |
| 17 | Liberty Mutual | $1,984 |
| 18 | GEICO | $2,143 |
| 19 | Allstate | $2,202 |
| 20 | Victoria | $2,559 |
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Auto-Owners has some of the most affordable car insurance rates in Atlanta at around $830 each year. This is $699 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the most economical Atlanta, GA auto insurance companies.
In the above rates, if you are a policyholder with Central Mutual and switched to Auto-Owners, you could see yearly savings of in the neighborhood of $327. Policyholders with MetLife may save as much as $408 a year, and Travelers policyholders might realize rate reductions of up to $462 a year.
To find out how much you can save, click here to start your free quote or visit any of the low-priced companies below.
These prices are averages across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for teenage females. So the insurer that has the cheapest price for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
The vehicle model you are buying coverage for is probably the biggest factor that determines whether or not you find low-cost coverage for teenage females. Vehicles with lower acceleration and performance, excellent safety ratings, or low incidents of liability claims will cost less to insure than high performance models. The next list outlines auto insurance rates for a handful of the cheaper automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $5,659 |
| Honda Accord EX-L 4-Dr Sedan | $6,011 |
| Hyundai Elantra SE Touring Station Wagon | $6,020 |
| Ford Escape Limited 4WD | $6,011 |
| Toyota Prius | $6,065 |
| Dodge Grand Caravan CV | $6,294 |
| Ford F-150 XL Crew Cab 2WD | $6,299 |
| Honda Civic DX 4-Dr Sedan | $6,590 |
| Nissan Altima 2.5 4-Dr Sedan | $6,646 |
| Toyota RAV4 Sport 2WD | $6,655 |
| Volkswagen Jetta LE 4-Dr Sedan | $6,646 |
| Ford Explorer Limited 2WD | $6,699 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $6,708 |
| Chevrolet Malibu LT | $6,699 |
| Dodge Ram Quad Cab ST 2WD | $6,845 |
| Ford Focus SEL 4-Dr Sedan | $6,945 |
| Toyota Corolla LE | $7,001 |
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific Atlanta, GA garaging location which can change auto insurance rates substantially.
Based upon the rates shown, models like the Honda CR-V, Honda Accord, and Hyundai Elantra are going to be the cheaper vehicles to insure for teen girls. Prices will tend to be more expensive because of the fact that there is more claim exposure for teenage females, but overall those models will have the cheapest auto insurance rates possible.
Get discount Atlanta car insurance rates
Insurance companies that offer quotes for teenage females may also offer rate discounts that could lower prices by as much as 35% if you are eligible. The best car insurance companies and a partial list of their discounts can be found below.
- State Farm has discounts for Drive Safe & Save, good driver, anti-theft, multiple autos, and accident-free.
- Farmers Insurance offers discounts including homeowner, pay in full, mature driver, bundle discounts, good student, multi-car, and teen driver.
- Progressive may include discounts for homeowner, good student, multi-policy, online quote discount, and online signing.
- GEICO includes discounts for five-year accident-free, emergency military deployment, multi-policy, daytime running lights, military active duty, and membership and employees.
- Auto-Owners Insurance discounts include group or association, student away at school, paid in full, mature driver, anti-theft, multi-policy, and teen driver.
- The Hartford offers premium reductions for vehicle fuel type, air bag, defensive driver, bundle, and good student.
- Farm Bureau offers discounts for multi-vehicle, good student, driver training, multi-policy, youthful driver, safe driver, and 55 and retired.
- USAA has savings for military installation, multi-vehicle, new vehicle, family discount, multi-policy, and loyalty savings.
The diagram below shows the comparison of insurance costs with and without some available policy discounts. The data assumes a male driver, no accidents, no driving violations, Georgia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, paid-in-full, passive restraint, good student, vehicle safety, and paperless filing discounts applied. With discounts applied, theamount saved on car insurance for teenage females is 28% or $797.
The illustration below demonstrates how deductibles can raise or lower insurance costs when quoting cheap insurance for teenage females. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their car insurance rates by $362 a year by switching from a $100 deductible to a $500 deductible, or save $550 by using a $1,000 deductible. Young drivers, like the 20-year-old, could reduce their rates as much as $1,062 each year by selecting a higher deductible. When increasing deductibles, it is a good idea to have enough spare savings to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.
You may be paying too much for car insurance
Atlanta, GA car insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply getting older, having a claim, or getting a DUI can trigger price changes that can make some companies cheaper than competitors.
Not only may things change on your end, but companies modify rates every year to help ensure profitability. A period of increased losses can cause rate hikes, while lower claim expenses may cause cheaper Atlanta car insurance rates.
For instance, the bar chart below shows which companies have the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with no accidents, a clean driving record, and excellent credit. If we look at prices based on her current risk profile, Auto-Owners offers the cheapest car insurance rates in Atlanta at $1,196 per year. This is $333 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are the remainder of the cheapest Atlanta, GA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates a claim, a little lower credit rating, and a few traffic violations. Since every insurance provider has a proprietary formula to determine rates, comparing insurance quotes may now present a slightly different list of affordable Atlanta car insurance companies as shown below.
Travelers now has the lowest price on auto insurance in Atlanta, GA with The Hartford, Safeco, Country, and Mercury also having competitive pricing. This shows why consumers need to take the time to compare lots of rates when trying to find the most economical auto insurance quotes for teenage females.
Auto insurance prices consist of many things and change dramatically, so the best company the last time you shopped around may now not even be in the top five.
How to find the cheapest insurance for teenage females
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help you quote cheap auto insurance.
- Too many claims can make car insurance unaffordable
- Buy a safer vehicle
- Avoid accidents
- Buy your auto and home insurance from the same company and save
- Save money by observing traffic laws and speed limits
- Compare quotes from other companies often
That final tip is remarkably crucial, as we noted in the prior article. Prices charged by car insurance companies change frequently, so drivers shouldn’t be resistant to change to a new company if you find a better deal. Brand loyalty is not necessarily bad, but it’s not recommended if that faithfulness ends up costing you hundreds every year. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for teenage females in Atlanta.
The auto insurance agents in Atlanta shown below are willing to provide answers to your questions and help you determine which policy is best, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when shopping around for cheaper insurance for teenage females. It’s not always simple to find the best rates on your own, so insurance agents licensed in the state of Georgia can give you comfort knowing your policy gives you sufficient coverage for your assets. To find an agent in your neighborhood, click the button following the list.
- Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 - Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000 - Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 - Danny Gibson State Farm Insurance Agent
215 Piedmont Ave NE #1 – Atlanta, GA 30308 – (404) 524-2292 - Clyde Hill Jr – State Farm Insurance Agent
3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485