Cheapest Car Insurance for High Mileage Drivers in Georgia

In a perfect world, we could just give you the name of the one best car insurance company that has the cheapest rate quotes in Georgia. Regrettably, it’s not quite that easy, as there are a whole bunch of unknown aspects such as if you are a renter or homeowner, if you have ever had a gap in coverage, and the miles you drive each year, that help determine the price you have to pay. In this article, we will cover these things and also should give you a good start to your coverage search.

One of the more important components that is looked at to determine rate quotes is where you normally keep your vehicle in Georgia. Larger areas like East Point, North Atlanta, and Marietta tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.

The information below lists the highest-priced places in Georgia for high mileage drivers in which to purchase auto insurance.

Rate quotes are estimated as the specific garaging location can lower or raise price quotes noticeably.

Deciding which companies have the most affordable car insurance rates for high mileage drivers may require a bit more effort in order to find the best price.

Every insurance provider uses a little different formula for establishing rates, so let’s look at the rankings for the car insurance companies that tend to be cheaper in Georgia. It’s important that readers know that Georgia car insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. Improving your credit score, increasing deductibles, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than competitors.

Cheapest Insurance Rates in Georgia

Click to Compare Rates Now

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Auto-Owners generally has some of the cheapest car insurance rates in Georgia at around $839 annually. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the cheapest Georgia auto insurance companies.

In the rate table above, if you are currently insured with Central Mutual and switched to Auto-Owners, you could earn savings of in the vicinity of $330. Customers with MetLife might save as much as $387 a year, and Travelers policyholders might cut rates by $453 a year.

To find out how much you can save, click here or quote prices from the following companies.

These rates are averaged across all insureds and vehicles and are not factoring in a price decrease for high mileage drivers. So the company that is best suited for you may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.

Drive safe and save

The recommended way to snag cheap car insurance premiums in Georgia for high mileage drivers is to drive safe and avoid getting tickets or having accidents. The chart below highlights how traffic violations and fender-benders can impact auto insurance costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

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The data charted above shows the average cost of an auto insurance policy in Georgia per year with no accidents or violations is $1,891. Get written up for two speeding tickets and the average cost surges to $2,687, an increase of $796 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for high mileage drivers jumps again to an average of $5,820. That’s an increase of $3,929, or $327 per month, just for not driving attentively!

Discounts on the cheapest car insurance for high mileage drivers in Georgia

Insurers that offer quotes for high mileage drivers may additionally offer rate discounts that could lower prices by 35% or more if you are eligible for them. The best car insurance companies and their offered discounts are outlined below.

The information below visualizes the comparison of auto insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no accidents, no driving violations, Georgia state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, multiple vehicle, homeowner, safe-driver, anti-theft, and passive restraint discounts applied. When these discounts are applied, the average savings per year on car insurance for high mileage drivers is % or $.

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Who is cheaper: State Farm, Geico, Progressive, or Allstate?

If you’re looking for the cheapest car insurance for high mileage drivers in Georgia, the top insurers to get price quotes from are State Farm, Geico, Progressive, and Allstate. When combined, they make up over 45% of all policies written. The next table compares price, claims, and customer service ratings, as well as some optional coverages that may be available in your state.