The vehicle driven is one of the main factors when shopping around for the lowest-priced coverage for drivers with a bad driving record. Vehicles with lower performance, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The list below outlines auto insurance rates for a number of the cheapest vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $5,335 |
| Ford Escape XLS 4WD | $5,587 |
| Jeep Wrangler Sport 4WD 2-Dr | $5,695 |
| Honda CR-V EX 2WD | $5,728 |
| Toyota Prius | $6,018 |
| Volkswagen Jetta SE 2.5 Station Wagon | $6,027 |
| Chevrolet Impala LS | $6,262 |
| Chevrolet Malibu LT | $6,383 |
| Ford Edge Sport 2WD | $6,607 |
| Toyota Corolla LE | $6,617 |
| Toyota Camry LE | $6,616 |
| Toyota RAV4 Limited 4WD | $6,622 |
| Ford Explorer Eddie Bauer 4WD | $6,682 |
| Ford F-150 Lariat Crew Cab 4WD | $6,691 |
| Dodge Grand Caravan Hero | $6,782 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $6,851 |
| Chevrolet Silverado LT Extended Cab 2WD | $6,876 |
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Table data represents single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in Atlanta, GA location which can modify prices substantially.
Looking at the data, we can assume that models like the Honda Accord, Ford Escape, Jeep Wrangler, Honda CR-V, and Toyota Prius are likely to be the most affordable vehicles to insure for bad drivers. The price for car insurance will tend to be more expensive anyway because of the fact that there is a higher risk for drivers with a bad driving record, but overall those particular vehicles will probably have the cheapest car insurance rates compared to all other vehicles.
Figuring out which companies have the cheapest auto insurance rates for drivers with a bad driving record takes a little more effort than just comparing rates from one or two companies.
Each insurer has a proprietary formula for determining rates, so we will examine the auto insurance companies with the overall cheapest rates in Atlanta, GA.
Find the Cheapest Car Insurance for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $830 |
| 2 | The Hartford | $895 |
| 3 | USAA | $968 |
| 4 | Central Mutual | $1,157 |
| 5 | MetLife | $1,226 |
| 6 | Travelers | $1,279 |
| 7 | Georgia Farm Bureau | $1,299 |
| 8 | Safeco | $1,355 |
| 9 | Country | $1,391 |
| 10 | State Farm | $1,404 |
| 11 | Mercury | $1,411 |
| 12 | Allied | $1,424 |
| 13 | California Casualty | $1,515 |
| 14 | Encompass | $1,673 |
| 15 | Progressive | $1,774 |
| 16 | Nationwide | $1,901 |
| 17 | Liberty Mutual | $2,044 |
| 18 | GEICO | $2,209 |
| 19 | Allstate | $2,246 |
| 20 | Victoria | $2,585 |
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Auto-Owners may offer some of the best car insurance rates in Atlanta at around $830 a year. This is $699 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the cheapest Atlanta, GA auto insurance companies.
As shown above, if you are insured with MetLife and switched to The Hartford, you could earn an annual premium reduction of about $331. Drivers with Travelers could save as much as $384 a year, and Georgia Farm Bureau insureds might see rate reductions of $404 a year.
Be aware that those premiums are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact location for drivers with a bad driving record. So the car insurance company that has the cheapest rates for you may not even be in the top 20 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
For bad drivers, one of the largest factors that help determine auto insurance rates is where you normally keep your vehicle. Areas with more people or more claims tend to have higher rates, whereas areas with less crime or weather claims receive better rates.
The following table lists the most expensive places in Georgia for drivers with a bad driving record to purchase auto insurance in. Atlanta makes the list at #2 having an annual price of $1,377 for the average policyholder, which is about $115 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | East Point | $1,436 |
| 2 | Atlanta | $1,377 |
| 3 | North Atlanta | $1,349 |
| 4 | Dunwoody | $1,307 |
| 5 | Sandy Springs | $1,280 |
| 6 | Smyrna | $1,280 |
| 7 | Columbus | $1,256 |
| 8 | Mableton | $1,254 |
| 9 | Macon | $1,253 |
| 10 | Marietta | $1,253 |
| 11 | Alpharetta | $1,246 |
| 12 | Roswell | $1,222 |
| 13 | Gainesville | $1,220 |
| 14 | Rome | $1,206 |
| 15 | Peachtree City | $1,192 |
| 16 | Savannah | $1,191 |
| 17 | Augusta | $1,185 |
| 18 | Martinez | $1,164 |
| 19 | Warner Robins | $1,149 |
| 20 | Athens | $1,136 |
| Find the Best Rates Go | ||
Premium costs are approximated as specific location information can revise rates substantially.
Bad driving habits will cost you more
The recommended way to find the best auto insurance premiums in Atlanta for bad drivers is to drive cautiously and not get tickets or have accidents. The chart below shows how violations and fender-benders can influence car insurance rates for each age group. The information is based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents or violations is $2,507. Get written up for one speeding ticket and the average cost rises to $2,821, an increase of $314 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with a bad driving record increases to an average of $5,382. That’s an increase of $2,875, or $240 per month, just for not driving attentively!
Get discount Atlanta insurance
Auto insurance companies that sell policies for drivers with a bad driving record may also provide discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. Companies and some of their more popular discounts can be read below.
- State Farm includes discounts for student away at school, good driver, good student, safe vehicle, and anti-theft.
- Liberty Mutual offers discounts including hybrid vehicle, safety features, multi-car, teen driver discount, new vehicle discount, newly retired, and multi-policy.
- American Family may offer discounts for accident-free, air bags, Steer into Savings, early bird, and multi-vehicle.
- Progressive has savings for multi-policy, homeowner, online signing, multi-vehicle, good student, continuous coverage, and online quote discount.
- Farmers Insurance offers premium reductions for switch companies, multi-car, youthful driver, distant student, and electronic funds transfer.
- Auto-Owners Insurance may have discounts that include multi-policy, student away at school, safe vehicle, anti-lock brakes, multiple vehicles, and good student.
- SAFECO may include discounts for teen safe driver, homeowner, drive less, anti-theft, and safe driver.
The diagram below shows the difference between insurance costs with and without policy discounts. The rate quotes are based on a male driver, one traffic citation and one accident, Georgia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, paid-in-full, homeowner, anti-theft, multiple vehicle, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for drivers with a bad driving record is 28% or $1,037.
Low rates can quickly become overpriced
Atlanta, GA auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Improving your credit rating, buying a new vehicle, or getting a couple of tickets can trigger price changes that may make certain companies more affordable than competitors. In addition, insurers change their prices every year or even multiple times each year to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity may cause more expensive premiums, while a profitable period may cause more affordable Atlanta car insurance rates.
For instance, the data below shows which companies have the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with a good driving record, no prior claims, and good credit. If we look at prices based on his current risk factors, Auto-Owners may offer the cheapest car insurance rates in Atlanta at $1,183 a year. This is $346 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining best Atlanta, GA auto insurance companies.
The example below compares rates after we give the driver in the first example a claim, a lower credit score, and a stop sign violation. Since every car insurance company has a unique formula for setting rates, comparing rates most likely will result in a substantially altered list of affordable companies as shown below.
The Hartford now has the best car insurance rate in Atlanta with USAA, Travelers, Safeco, and Country now being in the top five. This example illustrates why consumers need to take the time to compare rates to find cheap car insurance quotes for drivers with a bad driving record. Insurance prices are calculated by many factors and can change without notice, so the lowest-price company the last time you shopped around may now be costing you a lot of money.
How to find cheaper auto insurance for drivers with a bad driving record
The list below details some of the recommended penny-pinching solutions that can help Georgia drivers find cheap coverage.
- Drivers with good credit often pay less
- Discounts for being claim-free can be substantial
- Prevent price hikes by avoiding at-fault accidents
- Vehicles with safetly features generally cost less to insure
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Shop your coverage around for the best deal
That last idea is very vital, as was emphasized in this write-up. Auto insurance rates in Atlanta fluctuate constantly, so don’t be unwilling to buy a different policy if you find a cheaper price. Staying with the same company for years is fine, but we do not recommend it if that loyalty ends up costing a wad of cash every year. In just a couple of minutes you could shop around and find cheaper car insurance for drivers with a bad driving record.
If you aren’t sure which coverage to buy and prefer to have a little guidance when buying car insurance for bad drivers, the agents listed below can answer your questions and help you decide which coverage fits your budget. To find an Atlanta insurance agent near you, click the link at the bottom or click here to compare rates now.
- Yates Insurance Agency
2800 Century Pkwy NE #300 – Atlanta, GA 30345 – (404) 633-4321 - InsuranceHub | Nationwide Insurance | Atlanta Office
1830 Water Pl #105 – Atlanta, GA 30339 – (404) 892-2864 - Five Star Insurance Agency
191 Peachtree St NE Suite 3300 – Atlanta, GA 30303 – (678) 526-7979