Cheapest Auto Insurance for 19 Year Olds in Georgia

For teenage drivers, one of the largest things that is used by car insurance companies to calculate the policy price is where you live. Areas with increased crime or more people like East Point, Dunwoody, and Marietta are more likely to pay higher prices, whereas less populated areas benefit from having to pay less for coverage.

The next table displays the most expensive areas in Georgia for 19 year olds to buy auto insurance in.

Annual rates are estimated as the specific area where the vehicle is garaged can decrease or increase prices considerably.

Everyone has different tastes in autos, and the style of vehicle on the policy is a large factor when comparing quotes for the most affordable coverage for 19 year olds. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than safer models.

The tables below illustrates car insurance costs for a handful of the most cost-effective vehicles to insure in Georgia.

Data rating is based on single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in garaging location in Georgia which can alter premiums greatly.

Data rating is based on single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in vehicle location which can increase or decrease premiums considerably.

Data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in vehicle location which can lower or raise prices significantly.

Comparing rates for cheap car insurance is not easy, and determining which company quotes the most affordable car insurance rates for 19 year olds takes more quotes for comparison. Policy prices will be quite a bit greater than the average price in Georgia, with the extra cost attributed to the potentially higher risk associated with selling coverage for teenage drivers, but economical coverage should be obtainable if you are thorough. Each insurance company has a proprietary method to establish rates, so we’ll go over the most affordable car insurance companies in Georgia.

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Auto-Owners generally has some of the most affordable car insurance rates in Georgia at around $830 a year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the most economical Georgia insurance companies.

As shown in the rates above, if you are a customer of USAA and switched to Auto-Owners, you could realize annual savings of about $178. Customers with Central Mutual might save as much as $363 a year, and MetLife customers might realize rate reductions of up to $408 a year.

To see how much you can save, click here to begin a quote or feel free to get quotes from the companies below.

Remember that these premiums are averaged across all insureds and vehicles and do not take into consideration a price surcharge for 19 year olds. So the insurer that can offer you the lowest price may not even be featured in the above rate chart. That point stresses why you need to compare rates from multiple companies using your own individual information.

The example below demonstrates how deductible levels can affect insurance prices when searching for cheap insurance for 19 year olds. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could cut expenses by $370 a year by switching from a $100 deductible up to a $500 deductible, or save $558 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could possibly save $1,244 or more by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it will be necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Full coverage or liability only

Finding the cheapest auto insurance for 19 year olds in Georgia should be important to most drivers, and one good way to find cheaper insurance is to only buy liability coverage. The example below shows the difference between yearly insurance costs with full coverage and liability only. The rates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

If we average all the age groups together, full coverage on your policy costs $2,229 per year over having just liability coverage. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no specific rule of when to exclude comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s say your vehicle’s book value is $7,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,500 after the policy deductible has been paid. If it’s costing in excess of $650 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

How to find the cheapest auto insurance for 19 year olds in Georgia

The list below summarizes some thrifty suggestions that can help you buy cheaper coverage.

• At-fault accidents will increase rates
• Ensure your driving record is clean
• Discounts for being claim-free can be substantial
• Save money by insuring older vehicles for liability only
• Raise physical damage deductibles
• Compare quotes from other companies often

That last tip is incredibly critical, as was discussed in the prior information. Prices charged by car insurance companies in Georgia adjust frequently, so don’t hesitate to change insurance companies if you can find a cheaper rate. Having a favorite company is great, but is isn’t recommended if your bullheadedness ends up costing you big bucks every year. If you have a few minutes, shop around and find cheaper car insurance for 19 year olds.

Who has the cheapest insurance quotes for teenage drivers?

Consumers have many ways to find cheaper car insurance in Georgia, but the three most common are either through a non-exclusive or independent agent, an exclusive insurance agent such as Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive.

All three ways are similar, but each is slightly different in how they price policies.

Independent insurance agents have contracts with multiple insurance companies and can compare coverage rates with each one. These agents can quote rates with many companies, which may give you the best shot at cutting your rates. If your premiums go up, your policy is moved internally which makes it easier to save money.

An exclusive agent is only able to write business for one insurance company, a couple examples are a State Farm or Allstate agent. They are unable to quote prices from more than a single company, so if their prices are high, they cannot shop around.

The third popular method of shopping for car insurance is direct, which means you forego a local insurance agent and instead shop from a direct company like Geico. This option is good for families who have little risk and have a decent understanding of how car insurance works.

Which way works best for finding the cheapest auto insurance for 19 year olds in Georgia? We’d like to say shopping direct saves the most money since that eliminates agent commissions, but unfortunately, that is not always true. An argument could also be made that an independent agency saves the most money because they can quote many companies, but that idea is not necessarily true either. And occasionally, exclusive agencies may have prices that are well below what direct and independents offer.

Since car insurance prices are based on many different factors, the best method to get rock-bottom rates is to get quotes and compare. Be sure to get price quotes all three ways to give yourself enough choices. For a list of companies with online discounts, click here to view.