Best Cheap Car Insurance Quotes After a Speeding Ticket in Georgia

The make and model of vehicle that is being insured is one of the largest considerations that determines if you can find the best cheap auto insurance after a speeding ticket in Georgia. Vehicles with average performance, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than higher performance models.

The list below features insurance prices for a selection of the most economical automobiles to insure in Georgia.

Price data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location which can raise or lower rates considerably.

Looking at the numbers, you can infer that makes and models like the Hyundai Elantra, Honda CR-V, and Toyota Tacoma will be some of the most affordable vehicles to insure after a few driving violations.

Determining which companies quote the lowest-priced auto insurance rates after a speeding ticket may require a little more work than just comparing a company or two. Every auto insurer has a unique formula to establish rates, so let’s look at the rankings for the auto insurance companies that tend to be cheaper in Georgia.

It’s important that you understand Georgia auto insurance rates are impacted by many factors that control the cost of coverage. Improving your credit rating, becoming a homeowner, or having a fender bender can produce rate changes that can cause some rates to be cheaper than before.

Cheapest Insurance Rates with Licence Points

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Auto-Owners offers some of the cheapest car insurance rates in Georgia at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the cheapest Georgia insurance companies.

In the above rates, if you are currently insured with Central Mutual and switched to The Hartford, you might achieve savings of roughly $319. Policyholders with MetLife might save as much as $340 a year, and Travelers policyholders might reduce prices by as much as $393 a year.

Understand that those policy prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in a rate decrease after a speeding ticket. So the insurer that can offer you the lowest price may not even be featured in the above list. That helps illustrate why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

When shopping for the cheapest car insurance after a few driving violations, one of the many criteria that is looked at to help calculate insurance cost is the neighborhood you call home. Cities with larger populations like East Point, North Atlanta, and Macon tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from lower coverage costs.

The following table lists the highest-priced areas in Georgia after a speeding ticket to buy an auto insurance policy in.

Premium amounts are estimated as the garaging address in Georgia can raise or lower coverage prices substantially.

How violations and accidents impact rates

The easiest way to receive cheap auto insurance prices in Georgia after a few driving violations is to be a safe driver and avoid traffic citations and accidents. The example below illustrates how violations and at-fault collisions can raise yearly insurance costs for different age groups. The premiums assume a single male driver, full coverage, $100 deductibles, and no discounts are applied.

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In the example above, the average cost of a car insurance policy in Georgia per year with no violations or accidents is $2,252. Get one speeding ticket and the average cost jumps to $2,535, an increase of $283 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance after a speeding ticket increases to an average of $3,336. That’s an increase of $1,084, or $90 per month, just for being a careless driver!

Get discounts on Georgia car insurance

Auto insurance companies that sell the best cheap auto insurance after a speeding ticket in Georgia may also give you discounts that could lower prices by as much as 35% or more if you are eligible for them. A list of auto insurance companies and their possible discounts include:

• The Hartford policyholders can earn discounts including driver training, air bag, vehicle fuel type, defensive driver, and bundle.
• American Family may have discounts that include Steer into Savings, bundled insurance, accident-free, TimeAway discount, and air bags.
• Progressive offers discounts for good student, homeowner, continuous coverage, multi-vehicle, and multi-policy.
• Travelers may include discounts for early quote, save driver, good student, payment discounts, continuous insurance, and new car.
• Farmers Insurance has discounts for youthful driver, switch companies, homeowner, electronic funds transfer, multi-car, and bundle discounts.
• USAA has savings for vehicle storage, loyalty savings, safe driver, military installation, family discount, and defensive driver.
• Liberty Mutual offers discounts including exclusive group savings, teen driver discount, newly retired, preferred payment discount, new vehicle discount, and new graduate.

The diagram below illustrates the comparison of insurance rates with and without discounts applied to the premium. The rates are based on a female driver, three citations and no at-fault accidents, Georgia state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with continuous coverage, multiple policy, paperless filing, homeowner, passive restraint, and anti-theft discounts applied. With discounts applied, the average amount saved each year on auto insurance after a speeding ticket is 28% or $927.

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Who has the cheapest insurance quotes after a few driving violations?

Drivers have a lot of ways to get cheap auto insurance quotes in Georgia, but the most popular methods are from an independent or non-exclusive agent, a captive (or exclusive) agency like Allstate or Liberty Mutual, or direct either online or via phone.

They all follow the same basic process, but they are slightly different in how they price policies.

Independent agencies are appointed by several companies and can compare rates with each one. These types of agents are not restricted to one company and can give you more rates, which can give you the best idea of how your rates compare. If they find a cheaper price, your policy can be moved which is easy for the insured.

An agent who is captive is only able to write with one company, two popular examples being a State Farm or Farmers agent. They generally cannot compare rates from other companies, so always compare other rates.

Auto insurance from a direct company means you do not use a local insurance agent and instead buy direct from companies such as Geico or Progressive. Buying direct may be preferred by people who have little risk and know more than average about what specific coverages they need.

Which method is best for finding the best cheap auto insurance after a speeding ticket in Georgia? Our initial answer would be buying from a direct company saves the most money because you bypass the agent, but unfortunately, it’s not that simple. An argument could also be made that an independent agency guarantees the lowest rates due to having more companies to select from, but again, it’s not necessarily true. And often times, the exclusive agents have extremely competitive rates that are the cheapest.

Because there is so much variation in auto insurance prices, really the only way to ensure the lowest rates is to compare, compare, and compare some more. The best approach is to get prices from all three types to give yourself the best selection. For a list of companies with some of the cheapest Georgia auto insurance rates, click here to view.