The car, truck, or SUV you are buying coverage for is a significant factor in finding the most economical coverage for a school permit. Vehicles with economical engines, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models.
The list below outlines auto insurance premiums for a selection of the most affordable vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $5,484 |
| Honda Accord LX-P 4-Dr Sedan | $5,489 |
| Ford Escape Limited 2WD | $5,537 |
| Toyota Prius | $5,935 |
| Dodge Grand Caravan SE | $6,157 |
| Ford F-150 XL Regular Cab 4WD | $6,167 |
| Honda Civic DX 4-Dr Sedan | $6,450 |
| Chevrolet Silverado LT Extended Cab 4WD | $6,502 |
| Toyota RAV4 2WD | $6,511 |
| Chevrolet Impala LT | $6,502 |
| Chevrolet Malibu LS | $6,507 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $6,555 |
| Ford Explorer Eddie Bauer 4WD | $6,564 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $6,845 |
| Honda Odyssey EX-L W/Rear Entertainment | $6,848 |
| Hyundai Elantra GLS 4-Dr Sedan | $6,856 |
| Toyota Corolla LE | $6,848 |
| Ford Edge Limited AWD | $6,853 |
| Jeep Grand Cherokee SRT-8 4WD | $6,901 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $6,906 |
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Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific Atlanta, GA garaging location which can modify price quotes considerably.
Looking at the rates, makes and models like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Dodge Grand Caravan will definitely be the most affordable vehicles to insure for a learners permit. Car insurance rates will be more expensive because of the fact that there is a higher risk for a school permit, but generally speaking those particular models will have the lowest prices that you are likely to find.
For a learners permit, one of the big considerations that help determine the price you pay for insurance is where you live. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas areas that tend to be more rural get the luxury of paying less.
The following table rates the highest-priced places in Georgia for a school permit to buy auto insurance in. Atlanta is ranked #2 with a yearly premium of $1,377 for the average policy, which is about $115 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | East Point | $1,494 |
| 2 | Atlanta | $1,377 |
| 3 | North Atlanta | $1,310 |
| 4 | Dunwoody | $1,307 |
| 5 | Smyrna | $1,292 |
| 6 | Roswell | $1,272 |
| 7 | Sandy Springs | $1,268 |
| 8 | Mableton | $1,267 |
| 9 | Columbus | $1,256 |
| 10 | Marietta | $1,241 |
| 11 | Macon | $1,241 |
| 12 | Alpharetta | $1,234 |
| 13 | Gainesville | $1,220 |
| 14 | Peachtree City | $1,192 |
| 15 | Savannah | $1,191 |
| 16 | Augusta | $1,173 |
| 17 | Rome | $1,170 |
| 18 | Warner Robins | $1,161 |
| 19 | Hinesville | $1,157 |
| 20 | Albany | $1,154 |
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Table data uses approximated as the vehicle garaging location can raise or lower coverage prices substantially.
Finding dependable, reasonably-priced car insurance is difficult, and figuring out which company quotes the cheapest car insurance rates for a school permit may require more quotes for comparison. Every car insurance company has a unique approach to determine premium rates, so let’s rank the lowest cost car insurance companies in Georgia.
Cheapest Insurance Rates for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $839 |
| 2 | The Hartford | $922 |
| 3 | USAA | $968 |
| 4 | Central Mutual | $1,205 |
| 5 | MetLife | $1,226 |
| 6 | Georgia Farm Bureau | $1,299 |
| 7 | Travelers | $1,331 |
| 8 | Country | $1,391 |
| 9 | State Farm | $1,404 |
| 10 | Safeco | $1,411 |
| 11 | Mercury | $1,411 |
| 12 | Allied | $1,452 |
| 13 | California Casualty | $1,531 |
| 14 | Encompass | $1,673 |
| 15 | Progressive | $1,738 |
| 16 | Nationwide | $1,901 |
| 17 | Liberty Mutual | $2,044 |
| 18 | Allstate | $2,180 |
| 19 | GEICO | $2,231 |
| 20 | Victoria | $2,585 |
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Auto-Owners offers some of the cheapest car insurance rates in Atlanta at around $839 each year. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the lowest-priced Atlanta, GA car insurance companies.
As the example above demonstrates, if you currently have coverage with The Hartford and switched to Auto-Owners, you may realize an annual premium reduction of in the vicinity of $83. Georgia drivers with USAA may save as much as $129 a year, and Central Mutual customers might reduce prices by as much as $366 a year.
If you would like to find cheaper car insurance rates, click here or click through to the companies below.
It’s important to note that these policy prices are averages across all insureds and vehicles and are not factoring in a vehicle location for a school permit. So the insurer that has the lowest price for you may not even be in the top 20 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
Discounts on Atlanta car insurance rates
Insurers that provide coverage for a school permit may also provide special discounts that could reduce prices by as much as 30% if you meet the requirements. Larger car insurance companies and their offered discounts can be found below.
- Farm Bureau includes discounts for driver training, youthful driver, 55 and retired, multi-vehicle, safe driver, multi-policy, and renewal discount.
- Liberty Mutual policyholders can earn discounts including new move discount, exclusive group savings, new graduate, good student, hybrid vehicle, and newly married.
- State Farm discounts include safe vehicle, multiple autos, defensive driving training, Drive Safe & Save, anti-theft, multiple policy, and good student.
- Auto-Owners Insurance offers premium reductions for air bags, good student, safe driver, group or association, company car, and anti-lock brakes.
- GEICO offers discounts including good student, five-year accident-free, anti-lock brakes, membership and employees, federal employee, and daytime running lights.
- SAFECO may include discounts for bundle discounts, anti-theft, drive less, safe driver, and teen safe driver.
The illustration below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no accidents or driving violations, Georgia state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with good student, continuous coverage, passive restraint, vehicle safety, anti-theft, and paperless filing discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for a school permit is 28% or $618.
Violations and accidents raise rates
The easiest method to maintain good car insurance premiums in Atlanta for a learners permit is to be a careful driver and avoid traffic citations and accidents. The chart below demonstrates how traffic citations and at-fault claims raise insurance costs for different ages of insureds. The premiums assume a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of car insurance in Georgia per year with no violations or accidents is $2,616. Receive one speeding ticket and the average cost jumps to $2,966, an increase of $350 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a school permit goes up to an average of $6,017. That’s an increase of $3,401, or $283 per month, just for not driving attentively!
Last year’s bargain might be this year’s rip off
Georgia car insurance rates are impacted by many things that can increase the price you pay. Turning one year older, having a claim, or getting a couple of tickets can trigger rate changes resulting in some rates now being more affordable than competitors.
Not only may things change on your end, but insurance companies file new Georgia auto insurance rates at least once a year to help ensure profitability. Higher than usual claims may result in more expensive prices, while long-term profits can produce cheaper Atlanta car insurance rates.
To illustrate this example, the graph below shows a variety of companies that have the cheapest car insurance in Atlanta, GA for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. When comparing rates based on her current risk factors, Auto-Owners offers the most affordable car insurance rates in Atlanta at $1,183 annually. This is $346 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are the remainder of the cheapest Atlanta, GA auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident claim, poor credit, and a couple of points charged on her driving record. Due to the fact that each insurance company has their own process for establishing rates, comparing prices could result in a slightly different list of affordable Atlanta car insurance companies as shown below.
Travelers now has the best car insurance rate in Atlanta, GA with The Hartford, Safeco, Mercury, and Country completing the list. This example illustrates why it is critical to perform a complete rate comparison to get the most affordable car insurance rates for a school permit.
Insurance rates are influenced by many risk factors and can change without notice, so the most economical company the last time you checked may now cost much more than other companies.