For high risk drivers, one of the big criteria that are looked at to determine the cost of insurance is where you keep your car. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The following table ranks the priciest cities in Georgia for high risk drivers to purchase a policy in. Atlanta ranks #2 with an annual cost of $1,419 for the average policy, which is around $118 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | East Point | $1,494 |
| 2 | Atlanta | $1,419 |
| 3 | North Atlanta | $1,349 |
| 4 | Dunwoody | $1,320 |
| 5 | Mableton | $1,293 |
| 6 | Alpharetta | $1,284 |
| 7 | Smyrna | $1,280 |
| 8 | Sandy Springs | $1,280 |
| 9 | Marietta | $1,253 |
| 10 | Macon | $1,241 |
| 11 | Roswell | $1,235 |
| 12 | Gainesville | $1,220 |
| 13 | Columbus | $1,219 |
| 14 | Augusta | $1,209 |
| 15 | Rome | $1,206 |
| 16 | Savannah | $1,203 |
| 17 | Peachtree City | $1,192 |
| 18 | Athens | $1,170 |
| 19 | Dalton | $1,134 |
| 20 | Martinez | $1,118 |
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Rate quotes are comparative as the garaging address in Atlanta can modify premiums considerably.
The vehicle requiring coverage is probably the biggest factor when trying to find the cheapest insurance for high risk drivers. Vehicles with lower performance, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The next table showcases insurance rates for some of the cheapest vehicles to insure in Georgia.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $4,829 |
| Ford Escape XLT 4WD | $5,116 |
| Honda CR-V LX 4WD | $5,179 |
| Toyota Prius | $5,198 |
| Ford Explorer XLT 2WD | $5,461 |
| Chevrolet Impala LS | $5,663 |
| Ford Edge SEL 2WD | $5,671 |
| Toyota Tacoma 4WD | $5,713 |
| Toyota RAV4 4WD | $5,718 |
| Chevrolet Malibu Hybrid | $5,723 |
| Dodge Grand Caravan Crew | $5,774 |
| Ford F-150 STX Regular Cab 4WD | $5,853 |
| Honda Odyssey EX W/Rear Entertainment | $5,926 |
| Hyundai Elantra SE 4-Dr Sedan | $5,976 |
| Nissan Altima 2.5 4-Dr Sedan | $5,984 |
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Data based on single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in zip code location which can influence premiums substantially.
Based upon the table data, you can expect cars like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer are most likely to be a few of the most budget-friendly vehicles to insure for high risk drivers. The price for car insurance will trend higher just due to the fact that there is more risk for high risk drivers, but overall those makes and models will probably have the cheapest car insurance rates available.
Georgia insurance companies
Selecting a high-quality car insurance company is hard considering how many choices there are in Atlanta. The ranking information shown next can help you select which auto insurance companies you want to consider to insure your vehicles.
The ratings below only include the largest companies in America, so companies that may only write in Georgia are not taken into consideration for the list. If you wish to compare prices from the insurers below and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Atlanta car insurance
Car insurance companies that sell policies for high risk drivers could also offer discounts that could potentially reduce rates by as much as 35% or more if you are eligible for them. Larger insurance companies and their offered discounts include:
- Farmers Insurance may have discounts that include mature driver, switch companies, early shopping, business and professional, and distant student.
- Esurance offers premium reductions for safety device, anti-lock brakes, online shopper, good student, DriveSense, and emergency road assistance.
- State Farm has savings for driver’s education, defensive driving training, anti-theft, accident-free, and good student.
- GEICO has discounts for good student, defensive driver, emergency military deployment, air bags, anti-theft, daytime running lights, and five-year accident-free.
- Allstate offers discounts including 55 and retired, resident student, early signing, anti-lock brakes, and anti-theft.
The illustration below shows the difference between car insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, two speeding tickets and one accident, Georgia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with paid-in-full, multiple vehicle, continuous coverage, multiple policy, vehicle safety, and anti-theft discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for high risk drivers is 28% or $1,020.
How to find budget-friendly car insurance for high risk drivers
Lowering your rates is not difficult, and here are many money-saving solutions that can help drivers buy more affordable coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Raise deductibles to save money
- Improve your credit rating
- If possible, do not file small claims
- Lower rates by purchasing a safer vehicle
- Bundle car and home insurance and save money
- Shop around once a year for cheaper rates
The last item on the list is notably vital, as we noted in the prior information. Insurance prices vary considerably, so drivers shouldn’t be reluctant to buy from a new company if a more affordable price is available.
Being loyal to a particular company is commendable, but is isn’t recommended if it’s costing you several hundred dollars every year. In less than five minutes you could shop around and find cheaper auto insurance for high risk drivers in Atlanta.
The Atlanta auto insurance agencies shown below can aid you in deciding which car insurance policy is best, since some drivers aren’t sure which coverage they need and prefer to get some help when shopping around for cheaper insurance for high risk drivers. It can be time-consuming to find the best policy on your own, so a professional agent can bring satisfaction knowing your coverage gives you adequate asset protection.
To find an auto insurance agency using an interactive map, click the button at the bottom of the list.
- Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 - Cleo Meyer – State Farm Insurance Agent
1776 Peachtree St NE #346s – Atlanta, GA 30309 – (404) 817-0960 - Nationwide Insurance: Slater Insurance Agency LLC
501 Pulliam St SW #514a – Atlanta, GA 30312 – (404) 474-6356 - GEICO Insurance Agent
3680 Cascade Rd c – Atlanta, GA 30331 – (404) 472-9003