Finding low-cost car insurance is difficult, and deciding which company offers the lowest-priced insurance rates for state employees calls for even more perseverance. Every car insurance company uses a little different formula for filing rates in each state, so we’ll go over the insurance companies that tend to be cheaper in Atlanta, GA.
It’s important that you understand Atlanta, GA insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Getting older, becoming a homeowner, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being affordable when they were higher priced.
Find Cheaper Car Insurance in Georgia
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $839 |
| 2 | The Hartford | $886 |
| 3 | USAA | $978 |
| 4 | Central Mutual | $1,169 |
| 5 | MetLife | $1,226 |
| 6 | Georgia Farm Bureau | $1,312 |
| 7 | Travelers | $1,318 |
| 8 | Mercury | $1,369 |
| 9 | Country | $1,377 |
| 10 | Safeco | $1,411 |
| 11 | State Farm | $1,446 |
| 12 | Allied | $1,467 |
| 13 | California Casualty | $1,515 |
| 14 | Encompass | $1,639 |
| 15 | Progressive | $1,738 |
| 16 | Nationwide | $1,827 |
| 17 | Liberty Mutual | $2,004 |
| 18 | GEICO | $2,143 |
| 19 | Allstate | $2,268 |
| 20 | Victoria | $2,559 |
| Find Cheaper Rates Go | ||
Auto-Owners may have some of the cheapest car insurance rates in Atlanta at around $839 per year. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the best Atlanta, GA insurance companies.
As shown in the rates above, if you are currently insured with USAA and switched to Auto-Owners, you might realize an annual premium reduction of in the vicinity of $139. Customers with Central Mutual might save as much as $330 a year, and MetLife policyholders might lower prices by $387 a year.
To find cheaper insurance rates for your vehicle, click here to start a quote or visit any of the low-priced companies below.
Understand that those policy prices are averages for all drivers and vehicles in Georgia and and are not calculated with an exact vehicle garaging location for state employees. So the car insurance company that is most affordable for your situation may not even be in the top 20 companies shown above. That illustrates why you need to get car insurance quotes using your own specific driver information and vehicle.
For state workers, one of the big things that are looked at to help calculate the amount you pay for auto insurance is where you call home in Atlanta. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The illustration below ranks the highest-priced places in Georgia for state employees to buy an auto insurance policy in. Atlanta makes the list at #2 with the annual price of $1,405 for the average insurance policy, which is approximately $117 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | East Point | $1,494 |
| 2 | Atlanta | $1,405 |
| 3 | North Atlanta | $1,349 |
| 4 | Dunwoody | $1,320 |
| 5 | Alpharetta | $1,272 |
| 6 | Roswell | $1,272 |
| 7 | Sandy Springs | $1,268 |
| 8 | Columbus | $1,256 |
| 9 | Mableton | $1,254 |
| 10 | Marietta | $1,253 |
| 11 | Smyrna | $1,242 |
| 12 | Macon | $1,241 |
| 13 | Gainesville | $1,232 |
| 14 | Rome | $1,206 |
| 15 | Peachtree City | $1,192 |
| 16 | Savannah | $1,191 |
| 17 | Augusta | $1,173 |
| 18 | Martinez | $1,164 |
| 19 | Athens | $1,158 |
| 20 | Dalton | $1,145 |
| Find Cheaper Insurance Go | ||
Annual rates are estimated as the garaging address in Atlanta can increase or decrease coverage prices considerably.
The vehicle model needing coverage is one of the largest factors when looking for cheaper insurance for state employees. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.
The table below shows insurance premiums for some of the cheaper vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,614 |
| Honda Odyssey LX | $1,622 |
| Honda CR-V EX-L 4WD | $1,713 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,748 |
| Toyota Tacoma Double Cab 4WD | $1,756 |
| Chevrolet Malibu Hybrid | $1,748 |
| Ford Escape Limited 4WD | $1,759 |
| Ford Explorer Eddie Bauer 4WD | $1,781 |
| Toyota Prius | $1,798 |
| Honda Civic LX-S 4-Dr Sedan | $1,811 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,877 |
| Dodge Grand Caravan SE | $1,883 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,929 |
| Start Your Quote Go | |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in garaging location in Atlanta, GA which can revise premium rates noticeably.
Looking at the numbers, we can conclude that models like the Hyundai Elantra, Honda Odyssey, Honda CR-V, Volkswagen Jetta, and Toyota Tacoma are most likely to be some of the most budget-friendly vehicles to insure for state workers.
Discounts on Atlanta insurance rates
Insurance providers that offer cheap quotes for state employees may also give you policy discounts that may potentially lower prices by as much as 40% or more if you meet specific eligibility requirements. A few of the larger companies and their offered discounts are:
- 21st Century has savings for 55 and older, theft prevention, early bird, air bags, homeowners, anti-lock brakes, and student driver.
- State Farm offers discounts for multiple autos, student away at school, passive restraint, Drive Safe & Save, driver’s education, and defensive driving training.
- AAA has discounts for anti-theft, education and occupation, multi-car, multi-policy, good student, and AAA membership discount.
- Liberty Mutual includes discounts for safety features, teen driver discount, hybrid vehicle, new move discount, and good student.
- Progressive offers premium reductions for online quote discount, multi-policy, homeowner, multi-vehicle, and online signing.
The diagram below visualizes the comparison of premium costs with and without some available policy discounts. The rates are based on a male driver, no claims, a clean driving record, Georgia state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, marriage, passive restraint, claim-free, anti-theft, and safe-driver discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for state employees is 28% or $621.
Impact of careless driving on Atlanta insurance rates
The easiest way to get good insurance rates for state workers is to drive safe and have a clean driving record. The example below illustrates how violations and at-fault claims can raise car insurance costs for each different age category. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of auto insurance in Georgia per year with no violations or accidents is $2,757. Add in one speeding ticket and the average cost surges to $3,107, an increase of $350 each year. Now include two accidents along with the one speeding ticket and the yearly cost of insurance for state employees goes up to an average of $6,157. That’s an increase of $3,400, or $283 per month, just for not keeping your driving record clean!
How to find low-cost auto insurance for state employees
The list below summarizes some of the better thrifty ideas that can help you get cheaper car insurance.
- If possible, pay for small claims out-of-pocket
- Increase your credit rating
- Save money by insuring your home and auto with the same company
- Increase your physical damage deductibles
- Safe vehicles cost less to insure
- Don’t waste money on full coverage for older vehicles
- Look for cheaper rates once a year by shopping around
The last item on the list is extremely critical, as was discussed in this article. Car insurance rates vary considerably, so don’t be afraid to switch companies if a cheaper rate is available.
We understand brand loyalty, but it’s not a great idea if it’s costing you lots of hard earned cash every month. Now is a great time to compare prices and find cheaper insurance for state employees in Atlanta.