For new drivers, one of the more important criteria that help determine car insurance rates is where you call home in Atlanta. More densely populated places likely pay more, whereas more rural areas have the gratification of cheaper auto insurance rates.
The following table lists the highest-priced areas in Georgia for inexperienced drivers to buy car insurance in. Atlanta is ranked #2 costing $1,377 for the average insurance policy, which is around $115 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | East Point | $1,480 |
| 2 | Atlanta | $1,377 |
| 3 | North Atlanta | $1,310 |
| 4 | Mableton | $1,306 |
| 5 | Marietta | $1,291 |
| 6 | Macon | $1,279 |
| 7 | Alpharetta | $1,272 |
| 8 | Dunwoody | $1,268 |
| 9 | Columbus | $1,256 |
| 10 | Smyrna | $1,242 |
| 11 | Sandy Springs | $1,242 |
| 12 | Roswell | $1,222 |
| 13 | Savannah | $1,203 |
| 14 | Gainesville | $1,184 |
| 15 | Rome | $1,182 |
| 16 | Augusta | $1,173 |
| 17 | Athens | $1,158 |
| 18 | Hinesville | $1,157 |
| 19 | Peachtree City | $1,156 |
| 20 | Martinez | $1,152 |
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Information shown are approximated as specific Atlanta garaging address can decrease or increase price quotes significantly.
Establishing which company has the lowest-priced insurance rates for inexperienced drivers calls for a tad more effort than just quoting one company’s rates.
Every auto insurer has a unique approach for establishing rates, so let’s examine the lowest cost insurance companies in Georgia. It’s important to understand that Georgia insurance rates are impacted by many factors which can substantially change the cost of your policy. Improving your credit score, adding a teenager to your policy, or having a fender bender can trigger price changes that may make certain companies cheaper than competitors.
Best Insurance Companies for Newbies
Auto-Owners normally has some of the cheapest car insurance rates in Atlanta at around $864 each year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also make the cut as some of the best Atlanta, GA insurance companies.
As depicted above, if you are insured with Central Mutual and switched to The Hartford, you could realize a yearly price reduction of in the neighborhood of $298. Drivers with Georgia Farm Bureau might save as much as $378 a year, and MetLife policyholders might see rate reductions of $381 a year.
These premiums are averages across all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for inexperienced drivers. So the insurer that fits you best may not even be in the list above. That illustrates why you need to compare rates from multiple companies using your own driver and vehicle profiles.
The vehicle on the policy is one of the primary factors when comparing the most affordable insurance for inexperienced drivers. Vehicles with lower performance, an excellent safety record, or a low likelihood of liability claims will cost much less to insure than higher performance models. The list below shows coverage rates for a selection of the most budget-friendly vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,336 |
| Ford Explorer XLT 4WD | $1,497 |
| Ford Escape XLT 4WD | $1,544 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,578 |
| Chevrolet Equinox LS 2WD | $1,583 |
| Toyota RAV4 Sport 2WD | $1,591 |
| Toyota Corolla XLE | $1,666 |
| Toyota Prius | $1,669 |
| Toyota Tacoma 4WD | $1,695 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,704 |
| Dodge Grand Caravan SE | $1,695 |
| Ford F-150 XL Super Cab 4WD | $1,704 |
| Ford Edge SE AWD | $1,698 |
| GMC Sierra SLE Regular Cab 4WD | $1,704 |
| Jeep Grand Cherokee Limited 4WD | $1,698 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can revise price quotes noticeably.
Based on these rates, you can expect makes and models like the Honda CR-V, Ford Explorer, Ford Escape, Chevrolet Silverado, and Chevrolet Equinox are going to be a few of the most affordable vehicles to insure for new drivers.
The example below highlights how deductible choice can affect insurance costs when quoting cheap insurance for inexperienced drivers. The premium estimates are based on a single male driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could cut expenses by $438 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $658 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could possibly save up to $1,460 or even more by selecting a higher deductible.
If you do decide to increase your deductibles, it will now be necessary to have spare funds to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Drive safe and save
In a perfect world, the best way to get the most affordable insurance rates in Georgia for new drivers is to be a cautious driver and maintain a clean driving record. The example below highlights how speeding tickets and accidents can increase insurance costs for different insured age categories. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,577. Get one speeding ticket and the average cost surges to $1,814, an increase of $237 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for inexperienced drivers increases to an average of $3,936. That’s an increase of $2,359, or $197 per month, just for being a careless driver!
Rate comparison of full coverage and liability-only
Buying cheaper insurance is the goal of most drivers, and one common way to find cheap insurance for inexperienced drivers is to not buy comprehensive and collision coverage. The illustration below compares insurance rates when comparing full coverage to liability only. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.
If we average the cost for ages 20 through 70, full coverage on your policy costs $3,070 per year over liability only. That is a large expense which might make you wonder when is it a good idea to stop buying full coverage. There is no clear-cut formula to drop full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
If you aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for inexperienced drivers, the agencies below can probably help you decide which policy is best.
To find an agent near you, click the button at the bottom or click here to compare prices now.
- Clyde Hill Jr – State Farm Insurance Agent
3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485 - Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 - Dana Shivalier – State Farm Insurance Agent
1544 Piedmont Ave NE #107 – Atlanta, GA 30324 – (404) 892-0101
View more Atlanta, GA insurance agencies
How to find cheaper insurance for inexperienced drivers
It is possible to find better rates, and here are some of the better penny-pinching solutions that can help Atlanta drivers locate cheap coverage.
- Safe vehicles generally have lower rates
- Drivers with good credit ratings often pay less
- Remain accident-free and save
- Raise physical damage deductibles
- Speeding tickets and other violations increase rates
- Shop around for cheaper prices
That last tip is remarkably important, as we hit on in this write-up. Prices can change considerably based on profitability, so don’t be tentative to buy from a different company if you find a better deal. Being loyal to a particular company is commendable, but it’s not a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. Now is a great time to compare rates to find cheaper auto insurance for inexperienced drivers in Atlanta.