Cheapest Car Insurance Quotes for High Risk Drivers in Georgia

Comparing rates for cheap car insurance is not the easiest thing to accomplish, and figuring out which company offers the best insurance rates for high risk drivers involves a little more work. Policy prices will most likely be significantly higher than the average policy in Georgia because of the extra risk that goes along with offering coverage for high risk drivers, but reasonably-priced coverage should be attainable if you do a thorough comparison. Each auto insurance company has their own formula to set policy rates, so let’s begin by examining the lowest cost insurance companies in Georgia.

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Auto-Owners quotes some of the best car insurance rates in Georgia at around $839 annually. The Hartford, USAA, Central Mutual, and MetLife also are some of the lowest-priced Georgia insurance companies.

In the rate table above, if you are a policyholder with The Hartford and switched to Auto-Owners, you might see a yearly price reduction of around $83. Customers with USAA might save as much as $129 a year, and Central Mutual insureds might reduce rates by $354 a year.

To see how much you can save, click here to get quotes or visit any of the low-priced companies below.

Be aware that those premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a price surcharge for high risk drivers. So the insurer that is best suited for you may not even be in the list of companies above. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

The vehicle requiring coverage is probably the biggest factor when quoting the cheapest auto insurance for high risk drivers in Georgia. Vehicles with lots of horsepower, poor safety ratings, or a track record of large liability claims will cost much more to insure than more modest models.

The next lists outlines coverage costs for the most budget-friendly automobiles to insure.

Cost estimates assume married male driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in garaging location in Georgia which can revise premium rates significantly.

Data based on married male driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in Georgia location which can revise insurance rates significantly.

Data variables include married male driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can decrease or increase rates noticeably.

When shopping for cheaper auto insurance for high risk drivers, one of the many factors that auto insurance companies use to calculate the policy price is your address in Georgia. Regions with larger populations or more claims like East Point, North Atlanta, and Sandy Springs will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The illustration below shows the highest-priced places in Georgia for high risk drivers to purchase auto insurance in.

Premium amounts are approximated as vehicle location can change coverage rates greatly.

Reckless driving habits raise insurance rates

The easiest method to enjoy good insurance rates in Georgia for high risk drivers is to be a careful driver and avoid accidents and violations. The information below highlights how traffic violations and fender-benders impact auto insurance rates for different age groups. The prices are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4087,4437,5429],[‘Age 30’, 2117,2467,3465],[‘Age 40’, 2041,2391,3385],[‘Age 50’, 1869,2223,3217],[‘Age 60’, 1841,2189,3183],[‘Age 70’, 2131,2483,3475]]);var options = {title: ‘Impact of Violations and Accidents on Georgia Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Georgia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance per year with a clean driving record and no accidents is $2,348. Get written up for one speeding ticket and the average cost jumps to $2,698, an increase of $351 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for high risk drivers goes up to an average of $3,692. That’s an increase of $1,345, or $112 per month, just for not being more responsible behind the wheel!

How to get discounts on Georgia auto insurance rates

Insurers that offer the cheapest auto insurance for high risk drivers in Georgia may also offer price discounts that can lower rates by 25% or more if you can meet the requirements. The best insurance companies and their possible discounts include:

The information below shows the difference between car insurance costs with and without discounts applied to the premium. The prices are based on a female driver, two violations and one at-fault accident, Georgia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with paid-in-full, marriage, paperless filing, multiple vehicle, multiple policy, and vehicle safety discounts applied. When taking advantage of discounts, the average savings per year on insurance for high risk drivers is 37% or $767.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3803,2731],[‘Age 30’, 2979,2147],[‘Age 40’, 2855,2055],[‘Age 50’, 2649,1907],[‘Age 60’, 2599,1871],[‘Age 70’, 2841,2043]]);var options = {title: ‘Effect of Discounts on Insurance Rates for High Risk Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Find the cheapest auto insurance for high risk drivers in Georgia

The list below details some of the recommended thrifty ideas that can help Georgia drivers find cheap auto insurance.

• Drop full coverage on older vehicles
• Safer vehicles cost less to insure
• Maintaining good credit helps earn cheaper rates
• Buying home and auto together can help save money
• Do not get into accidents
• Comparison shop at least once a year

That final tip is certainly crucial, as we pointed out in this article. Coverage prices can change in a short period of time, so don’t be hesitant to change insurance companies if a lower price can be found. Staying with the same car insurance company is fine, but it’s not a great idea if that stubbornness costs you a considerable chunk of change every month. Spend a few minutes and shop around and find cheaper car insurance for high risk drivers.