Who Has Cheap Insurance for a Chevrolet Malibu in Georgia?

When writing about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Chevrolet Malibu can be hard, if not impossible, to find. Don’t let that ruin your day, because we will teach you how you can find and buy auto insurance that works with your budget.

The chances of finding the cheapest auto insurance for a Chevrolet Malibu in Georgia depends on many rating factors like your marital status, if you have a coverage lapse, and any prior driving offenses. Drivers in Georgia on average pay around $1,220 annually for Malibu insurance, but that rate is an estimate using a 30-year-old married female who needs full coverage and $100 physical damage deductibles.

There is a high probability that you are not a 30-year-old female, maybe you are single instead of married, and you may just want the cheapest liability coverage you can find. Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap car insurance rates for your Chevrolet is to do a thorough rate comparison.

Cheapest Chevrolet Malibu Insurance Rates

The specific model of Malibu tends to have a direct impact on the yearly cost, so the price you will be charged to insure a Malibu LS trim level will be $148 cheaper than the insurance cost for the higher-end Malibu LTZ trim level, as shown in the chart below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can lower or raise rates noticeably.

Ratings for Georgia car insurance companies

Buying coverage from a highly-rated auto insurance provider is hard considering how many companies are available to choose from in Georgia. The company ratings listed below may help you analyze which coverage providers to look at putting your business with.

The ratings below include large insurance companies, so companies that focus mainly on Georgia business are not factored into these rankings. To compare prices from these top-rated insurers and more, follow this link.

Top 10 Major Car Insurance Companies in Georgia Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Major Car Insurance Companies in Georgia Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top Companies for Chevrolet Malibu Insurance in Georgia

Responsible drivers pay cheaper Georgia car insurance rates

In a perfect world, the best way to enjoy the most affordable car insurance prices in Georgia for a Malibu is to be a good driver and avoid getting tickets or having accidents. The chart below demonstrates how traffic citations and accidents can influence auto insurance costs for each age group. The premiums assume a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of an auto insurance policy in Georgia per year with a clean driving record and no accidents is $1,684. Get written up for one speeding ticket and the average cost rises to $1,964, an increase of $280 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for a Chevrolet Malibu goes up to an average of $2,742. That’s an increase of $1,058, or $88 per month, just for not driving safely!

The diagram below demonstrates how deductible levels can affect insurance prices when quoting cheap insurance for a Chevrolet Malibu. Data assumes a single male driver, full coverage, and no discounts are applied to the premium.

The data above shows that a 30-year-old driver could cut expenses by $508 a year by changing from a $100 deductible up to a $500 deductible, or save $764 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could save as much as $1,490 every year by selecting a higher deductible.

When using a larger deductible, it’s a good idea to have spare funds to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Cheapest car insurance: Progressive, Allstate, Geico, or State Farm

When comparing rates for insurance for a Malibu, probably the best companies to start with are Progressive, Allstate, Geico, and State Farm. When added together, they make up over 48% of the entire U.S. car insurance market. All offer your standard physical damage and liability coverages, but each one has different optional coverages and features that buyers can select from. The next table compares some of the different options and features that are available for buyers.