Who Has the Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Georgia?

Wouldn’t life be so easy if you could just magically know the one perfect auto insurance company that has the cheapest coverage for drivers with a bad driving record? That is not the case, however, as there are a whole bunch of unknown aspects like if you are insuring for full coverage or just liability only, if you have ever let your coverage lapse, if you are married, and if you own your home, that all impact the cost of your policy. The content below covers the different scenarios that increase car insurance cost and will give you a good start in finding the cheapest insurance in Georgia.

Comparing quotes for low-cost insurance is hard enough, and finding out which companies offer the cheapest insurance rates for drivers with a bad driving record will take even more work. Rates will probably be much higher than the average rate in Georgia, with the higher price attributed to the higher likelihood of claims that goes along with offering coverage for bad drivers, but affordable insurance should be achievable if you carefully shop around. Every car insurance company has a unique formula for establishing rates, so let’s take a look at the most budget-friendly insurance companies in Georgia.

Lowest Insurance Price Quotes for Imperfect Drivers

Click Here to Start Your Quote

Auto-Owners quotes some of the cheapest car insurance rates in Georgia at around $830 a year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are also some of the lowest-priced Georgia auto insurance companies.

As the rates illustrate above, if you are insured with Central Mutual and switched to Auto-Owners, you might see an annual savings of upwards of $363. Insureds with Georgia Farm Bureau may save as much as $443 a year, and MetLife insureds might lower prices by $446 a year.

Bear in mind that those prices are averages across all insureds and vehicles and and are not figured with a price increase for drivers with a bad driving record. So the company that is best suited for you may not even be included in the rate chart shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

For bad drivers, one of the largest factors that insurance companies take into consideration when calculating rate quotes is where you live 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 auto insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The illustration below shows the highest-priced places in Georgia for drivers with a bad driving record to buy car insurance in.

Annual rates are approximated as the specific geographic location can impact price quotes noticeably.

Rate comparison of full coverage and liability-only

Finding the cheapest car insurance for drivers with a bad driving record in Georgia is probably important to most vehicle owners, and one of the fastest ways to reduce the cost of insurance is to not insure for full coverage. The example below compares car insurance rates with full coverage compared to only the Georgia minimum liability coverage. The data assumes a clean driving record, no claims, $250 deductibles, drivers are single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4813,1571],[‘Age 30’, 2493,859],[‘Age 40’, 2467,797],[‘Age 50’, 2243,745],[‘Age 60’, 2169,733],[‘Age 70’, 2647,981]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Georgia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, physical damage insurance costs an additional $2,805 per year more than just buying liability insurance. That touches on the question if you should buy full coverage at all. There is no exact formula to drop physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

The example below illustrates how your choice of deductibles can raise or lower annual premium costs when quoting cheap insurance for drivers with a bad driving record. Data assumes a married female driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2481,2275,2039,1815],[‘Age 30’, 1739,1589,1415,1249],[‘Age 40’, 1719,1573,1407,1247],[‘Age 50’, 1505,1381,1237,1099],[‘Age 60’, 1435,1315,1177,1045],[‘Age 70’, 1539,1411,1269,1135]]);var options = {title: ‘Effect of Deductibles on Auto Insurance Rates in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could save $268 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $406 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save up to $666 annually by choosing a larger deductible amount. If you do decide to increase your deductibles, it will be necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense associated with higher deductibles.