Determining which company offers the most affordable insurance rates for high mileage drivers requires a little more sweat in order to find the lowest price. Each insurer uses their own formula to determine premium rates, so we need to take a look at the insurance companies with the most affordable rates in Atlanta.
It’s important to understand that Atlanta insurance rates are impacted by many things that may substantially change the price of your policy. Simply having another birthday, becoming a homeowner, or getting a driving violation can trigger price changes resulting in some companies being cheaper than competitors.
Cheap Insurance Rates in Georgia
Auto-Owners normally has some of the cheapest car insurance rates in Atlanta at around $864 each year. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the most economical Atlanta, GA insurance companies.
In this example, if you are a policyholder with Central Mutual and switched to The Hartford, you might achieve savings of approximately $283. Georgia drivers with MetLife might save as much as $378 a year, and Georgia Farm Bureau insureds might reduce rates by $387 a year.
To see how much you can save, click here to start your free quote or feel free to get quotes from the companies below.
Bear in mind that those policy rates are averages for all drivers and vehicles in Georgia and do not factor in a specific location for high mileage drivers. So the car insurance company that is best for you may not even be in the top 20 companies shown above. That is why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
For high mileage drivers, one of the largest components that determine the amount you pay for auto insurance is where you keep your car in Atlanta. Areas with more people or higher crime rates likely pay more, whereas areas that tend to be more rural can boast about having cheaper rates.
The table below lists the most costly cities in Georgia for high mileage drivers to purchase a policy in. Atlanta is ranked at #2 with the yearly price of $1,405 on average, which is approximately $117 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | East Point | $1,436 |
| 2 | Atlanta | $1,405 |
| 3 | North Atlanta | $1,310 |
| 4 | Mableton | $1,293 |
| 5 | Smyrna | $1,292 |
| 6 | Sandy Springs | $1,280 |
| 7 | Dunwoody | $1,268 |
| 8 | Alpharetta | $1,246 |
| 9 | Macon | $1,241 |
| 10 | Marietta | $1,241 |
| 11 | Gainesville | $1,232 |
| 12 | Savannah | $1,227 |
| 13 | Roswell | $1,222 |
| 14 | Columbus | $1,219 |
| 15 | Augusta | $1,209 |
| 16 | Rome | $1,170 |
| 17 | Peachtree City | $1,168 |
| 18 | Athens | $1,158 |
| 19 | Warner Robins | $1,149 |
| 20 | Dalton | $1,145 |
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Rates are approximated as the specific area where the vehicle is garaged can lower or raise price quotes considerably.
Violations and accidents raise rates
The ideal way to earn good insurance premiums in Georgia for high mileage drivers is to drive cautiously and have a clean driving record. The illustration below demonstrates how traffic citations and at-fault fender-benders can drive up annual premium costs for different categories of driver ages. The rates are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
In the example above, the average cost of auto insurance in Georgia per year with a clean driving record and no accidents is $1,935. Add in two speeding tickets and the average cost hikes up to $2,764, an increase of $829 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of insurance for high mileage drivers jumps again to an average of $5,574. That’s an increase of $3,639, or $303 per month, just for not driving carefully!
Get discounts on Atlanta insurance
Insurance providers that offer quotes for high mileage drivers may also offer rate discounts that may potentially lower prices by as much as 35% if you are eligible to receive them. Large insurance companies and some of the discounts can be found below.
- GEICO has savings for good student, daytime running lights, federal employee, multi-vehicle, seat belt use, and military active duty.
- USAA offers discounts including multi-vehicle, safe driver, loyalty savings, defensive driver, and good student.
- Progressive may have discounts that include homeowner, continuous coverage, good student, multi-vehicle, multi-policy, and online quote discount.
- American Family may offer discounts for bundled insurance, air bags, multi-vehicle, accident-free, and TimeAway discount.
- Esurance offers discounts for defensive driver, emergency road assistance, online quote, renters, and claim free.
- Farmers Insurance includes discounts for alternative fuel, teen driver, multi-car, distant student, bundle discounts, and electronic funds transfer.
- State Farm discounts include Drive Safe & Save, safe vehicle, defensive driving training, multiple policy, student away at school, and passive restraint.
The information below shows the comparison of insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no tickets, no at-fault accidents, Georgia state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, vehicle safety, multiple policy, defensive driving course, passive restraint, and accident-free discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for high mileage drivers is 28% or $852.
Here’s why price comparisons are so important
Atlanta insurance rates are influenced by many factors that control the price of coverage. Turning one year older, moving across town, or getting a reckless driving citation can produce rate changes that may make certain companies cheaper in comparison to the competition. And not only may your rating factors change, but companies file new rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Heavier than normal losses may result in increased policy costs, while profitable underwriting can cause cheaper Atlanta car insurance rates.
For example, the bar chart below shows which company has the cheapest car insurance in Atlanta, GA for a 30-year-old male driver with no accidents or violations, and a good credit rating. If we look at prices based on his current risk profile, Auto-Owners offers the most affordable car insurance rates in Atlanta at $1,220 per year. This is $309 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the rest of the cheapest Atlanta, GA auto insurance companies.
The example below compares rates after we give the driver from the above example an accident claim, a little lower credit rating, and an imperfect driving record. Since each insurance company has a unique formula for determining rates in each state, comparing quotes may result in a slightly different list of affordable companies as shown below.
The Hartford now has the best car insurance rate in Atlanta with Travelers, Allied, Mercury, and Safeco also having competitive pricing. This shows why drivers need to compare lots of rates to find the most affordable car insurance rates for high mileage drivers. Rates are calculated by many things and can increase or decrease at any time, so the cheapest rate a year ago may now not even be in the top five.
How to find more affordable auto insurance for high mileage drivers
It is possible to find better rates, and here are a few thrifty solutions that can help you buy lower-cost coverage.
- Vehicles with safetly features generally cost less to insure
- Bundle home and auto and save
- Avoid accidents and claims
- Drive safely
- On older vehicles, drop full coverage
- Avoid price increases by not filing claims
- Compare rates and switch if you can find a better deal
That last tip is highly necessary, as we hit on in this write-up. Prices charged by companies vary considerably, so don’t be unwilling to change insurance companies if a lower price can be found. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty ends up costing several hundred dollars every year. It takes less than five minutes to compare rates to find cheaper auto insurance for high mileage drivers in Atlanta.
The agents below can help you decide which car insurance policy is best, since some drivers wish to get some professional input when shopping for the best coverage for high mileage drivers. It can be hard to find the cheapest rates, so insurance agents licensed in the state of Georgia can provide you satisfaction knowing you have enough coverage when you need it. To find an Atlanta insurance agency near you, click the button link following the list or click here to compare price quotes now.
- Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448 - Bryant Thompson – State Farm Insurance Agent
2230 Cascade Rd SW – Atlanta, GA 30311 – (404) 228-6085 - Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821