How Much are Auto Insurance Rates for Hybrid Vehicles in Atlanta?

The type of vehicle you are trying to insure is one of the main factors that determines whether or not you find the best insurance for hybrid vehicles. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of having liability claims will cost less to insure than high performance models.

The information below features coverage costs for the cheapest automobiles to buy coverage for.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can decrease or increase premiums noticeably.

Based upon the table data, you can expect vehicles like the Ford Edge, Honda Accord, Toyota Tacoma, and Honda CR-V will definitely be some of the more affordable vehicles to insure for hybrids.

One of the more important factors that are looked at to help calculate the annual cost of car insurance is where you keep your vehicle in Atlanta. Cities with larger populations tend to pay more, whereas areas with less crime or weather claims benefit from lower rates.

The information below lists the most expensive cities in Georgia for hybrid vehicles to buy car insurance in. Atlanta ranks #2 with a yearly cost of $1,377 for car insurance, which is about $115 each month.

Table data uses approximated as the specific area where the vehicle is garaged can affect prices greatly.

Figuring out which company offers the best insurance rates for hybrid vehicles may require a bit more work in order to find the best policy.

Every insurance provider uses their own formula to determine rates, so let’s look at the rankings for the most budget-friendly insurance companies in Georgia. Keep in mind that Atlanta, GA insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Simply getting older, moving to a new city, or getting a couple of tickets can cause premium changes that can make some companies cheaper than competitors.

Cheap Insurance Rates for Hybrids

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Auto-Owners offers some of the best car insurance rates in Atlanta at around $855 each year. This is $674 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the cheaper Atlanta, GA auto insurance companies.

As the rates illustrate above, if you are a policyholder with Central Mutual and switched to Auto-Owners, you could earn an annual premium reduction of roughly $314. Insureds with MetLife could save as much as $371 a year, and Georgia Farm Bureau customers might realize rate reductions of up to $457 a year.

To find the cheapest coverage for you, click here to start a quote or visit any of the companies below.

Understand that those rates are averages across all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for hybrid vehicles. So the company that fits you best may not even be in the top 20 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Types of discounts on Atlanta insurance

Insurance providers that sell policies for hybrid vehicles may also give you rate discounts that could potentially reduce rates by 40% or more if you are eligible. A few popular companies and a selection of discounts are:

• State Farm includes discounts for multiple policy, passive restraint, driver’s education, good driver, and safe vehicle.
• GEICO offers discounts including seat belt use, five-year accident-free, multi-policy, defensive driver, multi-vehicle, and anti-theft.
• Progressive policyholders can earn discounts including online quote discount, multi-policy, online signing, good student, multi-vehicle, homeowner, and continuous coverage.
• 21st Century offers discounts for automatic seat belts, driver training, homeowners, student driver, and 55 and older.
• American Family has savings for Steer into Savings, accident-free, multi-vehicle, early bird, good driver, bundled insurance, and defensive driver.
• The Hartford may include discounts for good student, defensive driver, anti-theft, air bag, and bundle.
• AAA may have discounts that include good student, anti-theft, multi-car, education and occupation, multi-policy, pay-in-full, and good driver.

The example below compares yearly insurance costs with and without policy discounts. The rate quotes are based on a male driver, no claims or violations, 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 second bar shows the rates with vehicle safety, homeowner, marriage, anti-theft, accident-free, and multiple vehicle discounts applied. With discounts applied, theaverage amount saved on insurance for hybrid vehicles is 28% or $561.

Careless Atlanta drivers pay higher rates

The ideal way to get low insurance prices for hybrids is to drive safely and avoid accidents and traffic citations. The diagram below shows how speeding tickets and at-fault accidents can impact car insurance costs for different age categories. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

In the chart above, the average cost of car insurance in Atlanta per year with no accidents and a clean driving record is $2,063. Get two speeding tickets and the average cost jumps to $2,733, an increase of $670 each year. Now add one accident along with the two speeding tickets and the yearly cost of insurance for hybrid vehicles jumps again to an average of $3,402. That’s an increase of $1,339, or $112 per month, just for not being more responsible behind the wheel!

How to find cheaper auto insurance for hybrid vehicles

The list below summarizes a few penny-pinching ideas that can help you get more affordable coverage.

• Raise deductibles to save money
• Buying car and homeowners insurance together can save money
• Good credit scores may make rates cheaper
• Avoid preventable accidents
• Just one traffic violation will increase your rates
• Avoid filing small claims
• Keep rates low by comparing prices once a year

The final tip is notably critical, as was affirmed in the article above. Car insurance rates change frequently, so drivers shouldn’t be resistant to buy from a new company if a better rate can be found.

Brand loyalty is great, but it’s not a good idea if that dedication is costing hundreds of dollars a year. It only takes a couple minutes to compare prices and find cheaper insurance for hybrid vehicles in Atlanta.

The insurance agents in Atlanta listed below can probably aid you in deciding which insurance coverage you need, since many people would rather get some guidance when trying to find the best insurance rates for hybrids. It can be complicated to find the cheapest rates, and a licensed agent can bring satisfaction knowing your coverage gives you sufficient protection if you have a claim.

To find an Atlanta insurance agency nearest to you, click the button below the list.

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