Who Has the Cheapest Auto Insurance for Drivers with Accidents in Georgia?

Wouldn’t it be great if you could just magically know the one perfect auto insurance company that has the cheapest policy rates for drivers with accidents? It’s not that simple, unfortunately, as there are a whole bunch of unknown factors like your prior traffic citations, what coverage limits you need, your gender, and your choice of physical damage deductibles, that all have an effect on the price of a policy. We are going to cover the things that influence insurance rates and will give you a good start in finding the cheapest insurance in Georgia.

Buying low-priced car insurance is tough enough, and figuring out which companies offer the cheapest car insurance rates for drivers with accidents may require even more work. Coverage rates will most likely be a little bit more expensive than the average policy in Georgia attributed to the posibility of more claims related to selling coverage for drivers with at-fault accidents, but economical insurance may be possible if you compare enough companies.

Each company uses their own method to determine premium rates, so let’s begin by taking a look at the lowest cost car insurance companies in Georgia. We do need to point out that Georgia car insurance rates are based on many factors that will increase or decrease your annual premium. Price variation is why consumers need to take the time to shop around when trying to find the most budget-friendly car insurance rates for drivers with accidents. Insurance prices are made up of many different factors and can change substantially, so the best price the last time you shopped your coverage around may now not even be in the top five.

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Auto-Owners has some of the lowest car insurance rates in Georgia at around $855 each year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau would also be considered some of the cheaper Georgia auto insurance companies.

As shown in the rates above, if you buy coverage from USAA and switched to Auto-Owners, you may see annual savings of about $153. Insureds with Central Mutual could save as much as $314 a year, and Georgia Farm Bureau policyholders might reduce prices by as much as $405 a year.

To find out how your current rates compare, click here to start your custom quote or quote prices from the following companies.

Remember that these policy prices are averaged for all ages of drivers and types of vehicles and are not factoring in a rate surcharge for drivers with accidents. So the insurer that can offer you the best price may not even be in the company chart above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.

For drivers with at-fault accidents, one of the largest things that help set the cost of insurance is where you call home in Georgia. More populated areas like East Point, North Atlanta, and Mableton tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.

The following table ranks the more expensive cities in Georgia for drivers with accidents to buy an auto insurance policy in.

Rate information is comparative as the specific zip code location can impact auto insurance rates noticeably.

The safety and performance level of the vehicle requiring insurance is one of the largest considerations when quoting the cheapest car insurance for drivers with accidents in Georgia. Vehicles with reasonable performance levels, a plethora of safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models.

The data below features insurance costs for a selection of the most budget-friendly automobiles to buy coverage for.

Price data assumes single male driver age 30, no speeding tickets, two at-fault accidents, $500 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 modify auto insurance rates noticeably.

Above prices assume single male driver age 30, no speeding tickets, two at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in garaging location in Georgia which can lower or raise auto insurance rates considerably.

Data based on single male driver age 30, no speeding tickets, two at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific location information which can change rates greatly.

Impact of speeding/accidents on Georgia car insurance rates

The obvious way to maintain the cheapest car insurance for drivers with accidents in Georgia is to be a careful driver and avoid at-fault accidents and violations. The chart below illustrates how speeding tickets and fender-benders can drive up auto insurance costs for different age groups. The premium estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

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The data in the chart shows the average cost of a car insurance policy in Georgia per year with no accidents or violations is $1,923. Factor in one speeding ticket and the average cost jumps to $2,207, an increase of $284 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers with accidents goes up to an average of $3,007. That’s an increase of $1,084, or $90 per month, just for a couple of infractions!

Is the best company Progressive, Allstate, State Farm, or Geico?

When shopping for auto insurance, probably the best companies to start with are Progressive, Allstate, State Farm, and Geico. All offer your standard physical damage and liability coverages, but each one has a unique set of features, discounts, and options that may influence your choice. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.

How to find low-cost insurance for drivers with accidents

Here are some of the recommended thrifty solutions that can help Georgia drivers locate more affordable coverage.

• Good credit scores may make rates cheaper
• Bundle home and auto and save
• Increase physical damage deductibles
• Avoid filing small claims
• Save money by obeying traffic laws and keeping a clean driving record
• Having at-fault accidents will increase rates
• Ensure you have the best deal by shopping around regularly

The last tip is extremely vital, as was affirmed in this article. Insurance rates adjust frequently, so drivers shouldn’t be reluctant to buy from a new company if a cheaper rate is available. Being loyal to a particular company is commendable, but it’s not a great idea if that devotedness results in you overpaying a fortune every year. Take a couple minutes and compare rates to find cheaper car insurance for drivers with accidents.