One of the many components that are looked at to help calculate the price you pay for insurance is where you normally keep your vehicle in Atlanta. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The information below ranks the most expensive cities in Georgia for immigrants in which to purchase auto insurance. Atlanta is ranked #2 with an annual premium of $1,405 on average, which is around $117 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | East Point | $1,450 |
| 2 | Atlanta | $1,405 |
| 3 | Dunwoody | $1,320 |
| 4 | North Atlanta | $1,310 |
| 5 | Smyrna | $1,292 |
| 6 | Marietta | $1,279 |
| 7 | Roswell | $1,272 |
| 8 | Sandy Springs | $1,268 |
| 9 | Mableton | $1,267 |
| 10 | Macon | $1,253 |
| 11 | Columbus | $1,243 |
| 12 | Alpharetta | $1,234 |
| 13 | Rome | $1,206 |
| 14 | Peachtree City | $1,204 |
| 15 | Savannah | $1,203 |
| 16 | Gainesville | $1,196 |
| 17 | Augusta | $1,173 |
| 18 | Albany | $1,142 |
| 19 | Martinez | $1,130 |
| 20 | Warner Robins | $1,127 |
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Prices are comparative as vehicle location can alter coverage prices noticeably.
The car, truck, or SUV that needs insurance is probably the most important factor when looking for the most economical insurance for immigrants. Vehicles with average performance, advanced safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The table below ranks auto insurance premiums for the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,515 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,577 |
| Ford Escape Limited 4WD | $1,644 |
| Honda CR-V EX-L 2WD | $1,775 |
| Toyota Corolla S | $1,890 |
| Honda Odyssey EX-L | $1,896 |
| Ford Edge SE 2WD | $1,912 |
| Toyota Prius | $1,921 |
| Kia Optima LX | $1,926 |
| Ford Explorer Eddie Bauer 2WD | $1,952 |
| Dodge Grand Caravan SE | $1,957 |
| Nissan Rogue SL AWD | $2,019 |
| Honda Accord EX 2-Dr Coupe | $2,028 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific location which can lower or raise prices considerably.
Based upon these rates, you can infer that vehicles like the Hyundai Elantra, Jeep Wrangler, and Ford Escape should be a few of the less-costly vehicles to insure for foreigners.
The information below demonstrates how deductible levels can influence annual premium costs when getting quotes for cheap insurance for immigrants. The data assumes a married female driver, full coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could pocket $268 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $406 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could lower their rates up to $666 every year just by using higher deductibles. If you make the decision to raise deductibles, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense associated with higher deductibles.
Cost comparison with and without full coverage
Finding cheaper insurance is important to most vehicle owners, and a great way to pay less for insurance for immigrants is to only pay for liability coverage. The illustration below visualizes the comparison of car insurance costs when comparing full coverage to liability only. The price estimates are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are factored in.
Averaged out for all age groups, full coverage costs an additional $3,016 per year over and above liability coverage. That may make you wonder if it’s worth it to buy full coverage. There isn’t a written rule to stop buying comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
There are some cases where removing full coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
You may be paying too much for car insurance
Atlanta insurance rates are impacted by many things which can significantly increase or decrease the price of your policy. Simply turning a year older, marrying your spouse, or getting caught speeding can cause premium changes that may make certain companies more affordable than others. Not only may your situation change, but car insurance companies change the rates they charge in Georgia as needed in order to offset underwriting gains or losses. An unexpected high level of claims can cause higher prices, while a lower level of claims may produce lower-cost Atlanta car insurance rates.
To illustrate this point, the bar chart below shows the company with the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on his current rating profile, Auto-Owners may offer the cheapest car insurance rates in Atlanta at $1,208 each year. This is $321 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the best Atlanta, GA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example some claims, less-than-perfect credit, and a blemish on his driving record. Because each insurer uses their own calculation to determining premium rates, comparing quotes may now result in a new list of cheap Atlanta auto insurance companies as shown below.
The Hartford now has the lowest price on auto insurance in Atlanta with Georgia Farm Bureau, USAA, Mercury, and Safeco also having competitive pricing. This demonstrates why it is critical to compare lots of rates to find the cheapest car insurance quotes for immigrants. Insurance rates can be altered by many different factors and change substantially, so the best option three years ago may now be wasting a lot of money.
How to find budget-friendly car insurance for immigrants
Here are a few thrifty solutions that can help drivers locate lower-cost car insurance.
- Just one traffic violation will increase your rates
- Drivers with good credit often pay less
- Buy safe vehicles
- Increase the comprehensive and collision deductibles on your policy
- Assess whether full coverage is needed
- Being accident-free can lower rates significantly
- Shop around once a year for cheaper rates
The last tip is certainly valuable, as was stressed in this article. Insurance prices vary considerably, so drivers shouldn’t be reluctant to buy from a different company if a lower-cost policy is available.
Sticking with a specific company is fine, but it’s not recommended if that devotion results in you overpaying a small fortune. Spend a few minutes and compare prices and find cheaper car insurance for immigrants in Atlanta.
The insurance agencies below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit, since lots of people like to have professional advice when trying to find the best insurance rates for foreigners. It’s not always simple to find the best policy on your own, so insurance agents can give you peace of mind knowing your policy gives you sufficient coverage for your assets.
To locate an Atlanta auto insurance agent in your neighborhood, click the button at the bottom of the list or click here to compare price quotes.
Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000
Allstate Insurance: Laura Leidigh
7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650
White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390