Who Has Cheap Auto Insurance for Welfare Recipients in Georgia?

The vehicle model you are buying coverage for is probably the biggest factor that determines whether or not you find cheap car insurance for welfare recipients in Georgia. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models. The next table illustrates insurance premiums for a selection of the cheaper vehicles to buy insurance for.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific zip code location which can lower or raise price quotes significantly.

Looking at the data, makes and models like the Ford Escape, Ford F-150, Toyota Prius, and Jeep Wrangler are most likely going to be the most affordable vehicles to insure for drivers on welfare.

For drivers on welfare, one of the largest factors that is looked at to determine insurance cost is where you live. Cities that have higher claim levels or more people like East Point, North Atlanta, and Smyrna tend to pay slightly more, whereas areas with less congestion tend to receive cheaper rates.

The table below displays the most expensive cities in Georgia for welfare recipients to purchase auto insurance in.

Rates are estimated as the specific Georgia residence address can affect price quotes considerably.

Insurance rate increases from tickets or accidents

One of the best ways to enjoy good insurance premiums for drivers on welfare is to pay attention while driving and avoid traffic citations and accidents. The diagram below shows how speeding tickets and accident claims can increase premium costs for different age groups of insureds. The data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

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The data in the chart shows the average cost of car insurance in Georgia per year with a clean driving record and no accidents is $1,577. Receive two speeding tickets and the average cost swells to $2,172, an increase of $595 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for welfare recipients goes up to an average of $4,492. That’s an increase of $2,915, or $243 per month, just for not being attentive to the road!

Discounts on Georgia auto insurance rates

Insurers that provide cheap car insurance for welfare recipients in Georgia may also offer discounts that could lower prices by as much as 30% if you are eligible for them. The best insurance companies and their possible discounts are included below.

• The Hartford discounts include anti-theft, driver training, good student, air bag, and bundle.
• American Family may include discounts for good driver, defensive driver, accident-free, early bird, air bags, and TimeAway discount.
• Progressive may offer discounts for continuous coverage, homeowner, online signing, multi-vehicle, and online quote discount.
• Travelers has discounts for good student, new car, IntelliDrive, driver training, early quote, and payment discounts.
• Farmers Insurance offers discounts for multi-car, switch companies, good student, teen driver, distant student, youthful driver, and pay in full.
• USAA has savings for family discount, vehicle storage, annual mileage, good student, military installation, and multi-policy.
• Liberty Mutual offers premium reductions for new move discount, newly married, preferred payment discount, new graduate, new vehicle discount, and teen driver discount.

The illustration below shows the difference between auto insurance costs with and without discounts applied to the rates. The rates are based on a female driver, a clean driving record, no claims, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, safe-driver, multiple vehicle, homeowner, anti-theft, and defensive driving course discounts applied. In this example, the average amount saved each year on insurance for welfare recipients is 28% or $590.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3147,2253],[‘Age 30’, 2101,1515],[‘Age 40’, 1971,1419],[‘Age 50’, 1721,1241],[‘Age 60’, 1667,1199],[‘Age 70’, 1981,1423]]);var options = {title: ‘Insurance Rate Comparison for Welfare Recipients’,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 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(‘qcibdisc’));chart.draw(data, options);}

Does State Farm, Allstate, Progressive, or Geico have the cheapest car insurance?

If you are looking for the best auto insurance for drivers on welfare in Georgia, the companies with the most market share are State Farm, Allstate, Progressive, and Geico. When combined, they make up almost 50% of all car insurance policies in America. The following table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.