How Much is Auto Insurance for Good Drivers in Georgia?

You have most likely seen the commercials from insurers like Nationwide and Farmers that promise enormous savings, so drivers just need to choose the one with the best commercial, right?

It’s just not that easy, however, as there are a whole bunch of unknown factors such as if you have ever had a coverage lapse, the vehicle you are insuring, and if you have purchased a home. We will touch on these things and hopefully give you enough understanding to have a good start to your coverage search.

Trying to buy affordable auto insurance is not most people’s favorite thing to do, and finding out which companies have the cheapest insurance rates for good drivers takes even more perseverance. Coverage prices may be a little bit cheaper than the average policy in Georgia due to the potentially lower risk related to offering insurance for safe drivers. Budget-friendly insurance should be achievable from many preferred companies.

Every insurance company uses a slightly different approach to set policy rates, so we need to take a look at the insurance companies that tend to have lower prices in Georgia. It’s important to know that Georgia insurance rates are calculated based on many things that control the price you pay for coverage. This price variability is why Georgia drivers need to compare many different companies to find the lowest insurance quotes for good drivers. Insurance prices can be altered by many different factors and change substantially, so the cheapest company six months ago may now be costing you a lot of money.

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Auto-Owners generally has some of the cheapest car insurance rates in Georgia at around $864 a year. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the lowest-priced Georgia auto insurance companies.

In the above rates, if you are a policyholder with Central Mutual and switched to The Hartford, you might achieve annual savings of about $247. Customers with MetLife might save as much as $304 a year, and Travelers insureds might lower prices by $357 a year.

To find out how your current rates compare, click here or click through to the companies below.

Understand that those premium estimates are averaged for all drivers and vehicles in Georgia and and are not calculated with a rate discount for good drivers. So the auto insurance company that has the cheapest price for you may not even be featured in the rate chart shown above. That point stresses why you need to compare as many prices as possible using your own specific driver information and vehicle.

One of the key components that is looked at to help calculate car insurance rates is where you keep your car in Georgia. Areas that are more densely populated or have higher claim rates like East Point, North Atlanta, and Mableton tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.

The information below displays the more expensive cities in Georgia for good drivers to purchase auto insurance in.

Rates are estimated as specific Georgia zip code can influence insurance rates significantly.

Which major car insurance company is best?

If you’re looking for the cheapest car insurance for safe drivers, four companies to consider are Allstate, Geico, State Farm, and Progressive. All offer liability and physical damage insurance, but each one has slightly different options that may affect your buying decision. The table below breaks down ratings and policy coverage options offered by each company.

Cheapest insurance quotes for safe drivers

Consumers have many ways to buy insurance in Georgia, but the most common methods are using a captive (or exclusive) agent like State Farm or Allstate, an independent agent, or from a direct company like Geico.

They all have the same basic principle, but buyers should know the differences in how they give price quotes.

Independent agencies work with multiple companies and can do rate comparisons with all of them. These types of agents are not locked into one company and can give you more rate choices, which can give you the best shot at cutting your rates. If a cheaper price is found, the business is moved internally which makes it simple for you.

A captive or exclusive agent is able to place business with one company such as a State Farm or Farmers agent. These agents are unable to shop your coverage around, so you need to shop around if the rates are high.

The third popular method of shopping for insurance is direct, which means you do not use an exlusive or independent agent and buy direct from companies such as Progressive or Esurance. Buying insurance direct may be preferred by families who do not need advice for asset protection and understand what insurance covers and what it doesn’t.

Which way is best to buy cheap insurance for good drivers in Georgia? The quick answer would be buying from a direct car insurance company results in the cheapest rates because there is no agent taking a commission, but that is not always the case. We could also assume that using an independent agent is the best way to save due to increased selection, but that’s not always true, either. And occasionally, exclusive agencies may have prices that are impossible to beat.

Since insurance prices vary so much, the best method to buy the cheapest policy is to compare, compare, and compare some more. Money-saving experts recommend you get rate quotes from all three in order to have enough rates to compare. For a list of companies offering online discounts in Georgia, click here to view.