Wouldn’t it be great if we knew the single best car insurance company that has the cheapest policy rates for good drivers? Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects like if you have a spouse, if you need full coverage or liability-only, and whether you are a man or a woman. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to avoid overpriced car insurance and educate you enough to have a good start in finding the cheapest insurance.
One of the many considerations that are looked at to determine the price you pay for insurance is where your car is garaged in Atlanta. Larger areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The following table shows the highest-priced areas in Georgia for good drivers to purchase a policy in. Atlanta is ranked #2 with an annual cost of $1,377 for the average policyholder, which is approximately $115 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | East Point | $1,494 |
| 2 | Atlanta | $1,377 |
| 3 | North Atlanta | $1,336 |
| 4 | Dunwoody | $1,320 |
| 5 | Mableton | $1,293 |
| 6 | Sandy Springs | $1,280 |
| 7 | Marietta | $1,279 |
| 8 | Smyrna | $1,254 |
| 9 | Macon | $1,253 |
| 10 | Alpharetta | $1,246 |
| 11 | Roswell | $1,235 |
| 12 | Gainesville | $1,232 |
| 13 | Savannah | $1,227 |
| 14 | Augusta | $1,221 |
| 15 | Columbus | $1,219 |
| 16 | Peachtree City | $1,192 |
| 17 | Rome | $1,170 |
| 18 | Athens | $1,136 |
| 19 | Warner Robins | $1,127 |
| 20 | Hinesville | $1,123 |
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Rate information is comparative as the specific area where the vehicle is garaged can decrease or increase auto insurance rates noticeably.
The make and model of vehicle you are insuring is probably the largest consideration when shopping for cheaper auto insurance for good drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a track record of few liability claims will cost less to insure than adrenaline junky models. The information below estimates coverage premiums for a selection of the cheapest automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,396 |
| Ford Explorer XLT AWD | $1,567 |
| Ford Edge SEL AWD | $1,621 |
| Ford F-150 FX4 4WD | $1,685 |
| Dodge Grand Caravan SXT | $1,695 |
| Ford Focus SES 4-Dr Sedan | $1,707 |
| Honda CR-V EX 2WD | $1,715 |
| Ford Escape XLS 2WD | $1,720 |
| Hyundai Elantra SE Touring Station Wagon | $1,739 |
| Toyota Camry XLE | $1,745 |
| Ford Fusion SE 4-Dr Sedan | $1,771 |
| GMC Sierra SLE Extended Cab 4WD | $1,776 |
| Chevrolet Equinox LTZ AWD | $1,771 |
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific location which can raise or lower coverage rates greatly.
Based upon the rates shown, you can conclude that models like the Honda Accord, Ford Explorer, Ford Edge, Ford F-150, and Dodge Grand Caravan should be a few of the cheaper vehicles to insure for safe drivers.
Finding dependable, low-priced auto insurance is not the easiest thing to do, and deciding which company offers the cheapest car insurance rates for good drivers will involve a little more work. Each company has a different formula for establishing rates, so to begin we’ll rank the most competitive car insurance companies in Atlanta, GA.
Keep in mind that Atlanta, GA car insurance rates are determined by lots of factors which can substantially decrease or increase the price of your policy. Simply improving your credit, buying a home, or having an at-fault accident may cause policy rate changes that can make some companies way too expensive in comparison to the competition.
Best Car Insurance Prices for Good Drivers
Auto-Owners quotes some of the best car insurance rates in Atlanta at around $839 per year. This is $690 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the most economical Atlanta, GA insurance companies.
As shown in the table above, if you are a policyholder with The Hartford and switched to Auto-Owners, you could see annual savings of roughly $47. Insureds with USAA may save as much as $129 a year, and Central Mutual insureds might lower prices by up to $330 a year.
If you want to see how much you could save, click here to start your free quote or visit several of the following companies.
Bear in mind that those policy prices are averages across all insureds and vehicles and do not factor in an exact zip code location for good drivers. So the company that has the lowest price for you may not even be in the top 20 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
How to find a good Atlanta car insurance company
Finding a good quality auto insurance company can be a challenge considering how many companies there are to choose from in Georgia. The ranking data shown below can help you analyze which auto insurance companies to look at when shopping around.
The rankings below are only comprised of large, nationwide insurance companies, so companies that may only write in Georgia are not taken into consideration for these rankings. To view rates from these and other top-rated companies, simply click here.
Top 10 Large Auto Insurance Providers in Atlanta Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Providers in Atlanta Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Full coverage versus liability only rates
Paying a lower price for car insurance is important to the majority of drivers, and one great way to lower the cost of insurance for good drivers is to only pay for liability coverage. The illustration below shows the difference between insurance prices with full coverage and liability only. The costs are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no policy discounts are applied.
As an average, physical damage coverage on your policy costs an extra $1,852 per year over and above liability only. A very common question is when is it safe to stop buying full coverage. There is no clear-cut rule of when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $6,500 after paying your deductible. If you are currently paying more than $650 annually to have full coverage, then you may need to consider dropping full coverage.
There are a few cases where only buying liability is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Insurance rate increases from tickets or accidents
One of the best ways to obtain good car insurance rates in Atlanta for safe drivers is to drive carefully and not get tickets or have accidents. The diagram below demonstrates how traffic citations and at-fault fender-benders can drive up insurance rates for different age groups of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance per year with a clean driving record and no accidents is $1,424. Get two speeding tickets and the average cost surges to $2,018, an increase of $594 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for good drivers jumps again to an average of $2,614. That’s an increase of $1,190, or $99 per month, just for a couple of infractions!
The insurance agents in Atlanta listed below can probably help you decide which coverages you need, since lots of people like to get some help when buying car insurance for good drivers. It’s not always simple to find the cheapest rate yourself, so a professional agent can give you satisfaction knowing your policy gives you decent coverage if you have a claim.
To find an Atlanta insurance agency in your neighborhood, click the link after the list or click here to compare prices now.
Valerie Primas – State Farm Insurance Agent
2798 Lakewood Ave SW a – Atlanta, GA 30315 – (404) 209-1225
Carter Nicholson – State Farm Insurance Agent
3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739
Geoff Carlson – State Farm Insurance Agent
1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977
Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881
Allstate Insurance: Enrico Lewis
777 Cleveland Ave SW Ste 104 – Atlanta, GA 30315 – (404) 761-9556