Cheap Auto Insurance for First-time Drivers in Georgia

Everyone has different tastes in autos, and the style of vehicle you are trying to insure is a large factor when comparing economical auto insurance for first-time drivers. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost more to insure than more economical and safe models. The tables below estimates coverage prices for some of the most economical automobiles to insure.

Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in Georgia location which can modify prices noticeably.

Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in zip code location which can alter coverage rates substantially.

Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific garaging location which can alter auto insurance rates noticeably.

For new drivers, one of the big factors that helps car insurance companies calculate the cost of insurance is where you keep your car. Cities with larger populations or higher claim trends like East Point, Dunwoody, and Mableton tend to have more expensive auto insurance rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The information below shows the more expensive cities in Georgia for first-time drivers to buy auto insurance in.

Premium costs are approximated as the specific Georgia residence address can influence price quotes significantly.

Deciding which companies offer the best insurance rates for first-time drivers takes a little more effort in order to find the best policy. Each auto insurer uses a different method for setting prices, so to begin we’ll rank the insurance companies with the overall best prices in Georgia.

It’s important that you understand Georgia insurance rates are influenced by many factors that may substantially change your annual premium. Simply turning a year older, marrying your spouse, or getting caught speeding can trigger rate changes resulting in some companies being cheaper than others.

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Auto-Owners normally has some of the most affordable car insurance rates in Georgia at around $830 each year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also rank well as some of the cheapest Georgia car insurance companies.

As the example above demonstrates, if you are currently insured with Central Mutual and switched to Auto-Owners, you may see a yearly savings of upwards of $375. Drivers with Georgia Farm Bureau could save as much as $443 a year, and MetLife customers might reduce rates by $446 a year.

Understand that those prices are averaged across all ages of drivers and types of vehicles and and are not figured with a price surcharge for first-time drivers. So the auto insurance company that has the lowest price for you may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Full coverage rates compared to liability only

Finding cheap car insurance for first-time drivers in Georgia should be important to most vehicle owners, and a great way to reduce the cost of insurance is to only pay for liability coverage. The illustration below shows the comparison of car insurance costs with liability coverage only compared to full coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are taken into consideration.

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As an average, physical damage insurance costs an extra $2,757 per year more than buying just liability insurance. That may make you wonder if buying full coverage is worth the expense. There is no specific rule for phasing out physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

Georgia insurance companies

Insuring your vehicle with a high-quality insurer is hard considering how many companies sell insurance in Georgia. The company information in the lists below may help you analyze which auto insurance companies to look at comparing prices from.

These ratings are for companies that insure vehicles across America, so companies without a large exposure will not be included in these rankings. If you wish to compare prices from these top insurers and more, click here.

How to find budget-friendly auto insurance for first-time drivers

The list below summarizes some of the recommended money-saving solutions that can help you get cheaper coverage.

• Higher physical damage deductibles lower rates
• Maintain a clean driving record
• Claim-free policyholders usually earn a discount
• Having at-fault accidents will increase rates
• On older vehicles, drop full coverage
• Compare prices as often as possible

The final tip is especially crucial, as was emphasized in the article above. Car insurance prices in Georgia vary considerably, so don’t hesitate to buy from a new company if a better deal can be had.

Having brand loyalty is commendable, but it’s not recommended if your bullheadedness ends up costing you a wad of cash every year. It only take a few minutes to compare prices and find cheaper auto insurance for first-time drivers.

Who has the cheapest insurance quotes for new drivers?

Drivers have a lot of ways to find cheaper insurance in Georgia, but the most preferred are through an independent agent, an exclusive insurance agency such as State Farm or Liberty Mutual, or from a direct company like Geico or Progressive. Each way has the same basic steps, but it’s good to know the differences in how they price policies.

Independent insurance agencies write for multiple companies and can compare rates with all of them. Independent agents are appointed with more than one company and can give you a larger rate selection, which can give you a better chance of finding cheaper coverage. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.

An agent who is captive is only able to give rates for one company, two of the more popular are State Farm and Allstate agents. These agents usually cannot provide multiple price quotes, so if finding the cheapest coverage is your goal, you will need to shop around.

Buying direct means you forego either of the other two types of agents and instead buy from a direct company like Progressive or Geico. This option is good for families who do not need complex risk management and have knowledge of what is covered and what is not.

When shopping for insurance, which way works best for finding cheap car insurance for first-time drivers in Georgia? The quick answer would be buying from a direct car insurance company saves money since it doesn’t require paying agent commissions, but that turns out to not be true. We’d also like to say an independent agency guarantees the cheapest rates since they have more companies to choose from, but again, it’s not necessarily true. And occasionally, exclusive agencies have price quotes that other insurance companies cannot touch.

Due to the large number of rating factors, really the best method to make sure you’re not overpaying for insurance is to get as many comparison quotes as possible. We highly recommend getting prices from all three to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.