The words “low-cost” and “insurance” probably shouldn’t be used in the same sentence, in particular when comparison shopping for the lowest insurance prices for uninsured drivers. Let’s introduce you to a few of the factors that have an impact on insurance prices, and find out if we can help you take the bite out of your next policy.
Figuring out which insurers offer the cheapest auto insurance rates for uninsured drivers may require a bit more effort in order to find the best policy. Every insurance company has their own formula to determine premium rates, so we’ll go over the auto insurance companies with the overall cheapest rates in Atlanta, GA.
Keep in mind that Georgia auto insurance rates are impacted by many things that can increase the price you pay. Simply having another birthday, getting divorced, or getting a couple of tickets may cause policy rate changes that may make certain companies more affordable than others.
Cheap Insurance Rates in Georgia
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $864 |
| 2 | The Hartford | $922 |
| 3 | USAA | $998 |
| 4 | Central Mutual | $1,169 |
| 5 | MetLife | $1,264 |
| 6 | Georgia Farm Bureau | $1,273 |
| 7 | Travelers | $1,331 |
| 8 | Mercury | $1,369 |
| 9 | Safeco | $1,397 |
| 10 | Country | $1,419 |
| 11 | Allied | $1,424 |
| 12 | State Farm | $1,446 |
| 13 | California Casualty | $1,531 |
| 14 | Encompass | $1,673 |
| 15 | Progressive | $1,738 |
| 16 | Nationwide | $1,845 |
| 17 | Liberty Mutual | $2,064 |
| 18 | Allstate | $2,202 |
| 19 | GEICO | $2,209 |
| 20 | Victoria | $2,509 |
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Auto-Owners generally has some of the most affordable car insurance rates in Atlanta at around $864 per year. This is $665 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 cheaper Atlanta, GA car insurance companies.
As the rates illustrate above, if you currently have coverage with MetLife and switched to The Hartford, you might see savings of approximately $342. Insureds with Georgia Farm Bureau may save as much as $351 a year, and Travelers insureds might reduce prices by as much as $409 a year.
Remember that these policy prices are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for uninsured drivers. So the insurer that is most affordable for your situation may not even be in the list above. That is why you need to get rate quotes using your own individual information.
The car, truck, or SUV requiring insurance is a large factor when quoting the most affordable insurance for uninsured drivers. Vehicles with reasonable performance levels, a great safety record, or a low likelihood of having liability claims will cost less to insure than higher performance models.
The next list shows coverage premiums for a selection of the cheapest automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,457 |
| Ford Escape XLT 2WD | $1,467 |
| Toyota Prius | $1,613 |
| Hyundai Elantra GLS Touring Station Wagon | $1,668 |
| Ford Focus SE 4-Dr Sedan | $1,690 |
| Chevrolet Malibu LT | $1,756 |
| Honda Accord EX 4-Dr Sedan | $1,792 |
| Toyota Corolla LE | $1,811 |
| Jeep Grand Cherokee SRT-8 4WD | $1,844 |
| Dodge Grand Caravan SE | $1,874 |
| Chevrolet Silverado LTZ Crew Cab 2WD | $1,967 |
| Ford F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $2,000 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $2,007 |
| Dodge Ram Quad Cab Sport 2WD | $2,000 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,002 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific location information which can affect insurance rates substantially.
Looking at the rates, cars like the Honda CR-V, Ford Escape, Toyota Prius, and Hyundai Elantra are likely to be a few of the most budget-friendly vehicles to insure for drivers with no prior coverage.
Discount Atlanta auto insurance
Car insurance companies that offer quotes for uninsured drivers may also give you special discounts that could lower prices by as much as 35% or more if you are eligible. Companies and a partial list of their discounts are detailed below.
- State Farm may offer discounts for passive restraint, Steer Clear safe driver discount, student away at school, safe vehicle, anti-theft, and driver’s education.
- Nationwide discounts include Farm Bureau membership, multi-policy, anti-theft, defensive driving, easy pay, family plan, and business or organization.
- GEICO has savings for emergency military deployment, federal employee, driver training, membership and employees, anti-theft, and daytime running lights.
- AAA may include discounts for AAA membership discount, good student, pay-in-full, multi-car, anti-theft, and education and occupation.
- 21st Century offers discounts for teen driver, defensive driver, theft prevention, 55 and older, anti-lock brakes, homeowners, and student driver.
- The Hartford policyholders can earn discounts including driver training, bundle, vehicle fuel type, anti-theft, good student, and air bag.
The example below shows the difference between car insurance rates with and without discounts applied to the rates. The premiums assume a female driver, no accidents, no driving violations, Georgia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, marriage, multiple policy, multiple vehicle, homeowner, and defensive driving course discounts applied. When these discounts are applied, the average savings per year on auto insurance for uninsured drivers is 28% or $729.
Picking the top insurer can be challenging considering how many choices you have in Georgia. The rank data shown below can help you pick which car insurance providers to look at comparing prices from.
These ratings are only made up of companies that insure vehicles nationwide, so smaller companies are not included in this list. To compare prices from these top-rated insurers and more, follow this link.
Top 10 Large Auto Insurance Companies in Atlanta Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
The chart below demonstrates how deductibles can increase or decrease premium costs when trying to find cheap insurance for uninsured drivers. Data assumes a married female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 50-year-old driver could lower rates by $268 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $406 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could potentially save $666 or more just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Are you paying too much for car insurance in Atlanta?
Georgia auto insurance rates are impacted by many things that may substantially change the price of coverage. Simply turning a year older, moving across town, or getting a couple of tickets may generate price changes that can cause some rates to be more affordable than before. Additionally, auto insurance companies change the rates they charge in Georgia as needed to ensure their profitability. A period of higher than normal claims may result in increased policy costs, while less frequent claims can result in more affordable Atlanta car insurance rates.
To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with no violations or accidents, and a high credit rating. If we look at prices based on his current rating profile, Auto-Owners might offer the most affordable car insurance rates in Atlanta at $1,149 a year. This is $380 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau round out the rest of the cheapest Atlanta, GA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates an accident surcharge, a little lower credit rating, and an imperfect driving record. Since each company uses their own calculation to determine rates, getting updated rate quotes may now result in a new list of the cheapest car insurance companies in Atlanta as shown below.
The Hartford now has the cheapest car insurance in Atlanta with Travelers, USAA, Country, and Mercury now rounding out the top five. This example illustrates why it is critical to shop around with many companies to get the best insurance quotes for uninsured drivers.
Prices are determined by many different factors and change substantially, so the cheapest option when you last compared rates may now be quite expensive.