Best Cheap Car Insurance with Multiple Speeding Tickets in Georgia

One of the more important criteria that control auto insurance rates is your zip code in Georgia. Densely populated urban areas like East Point, North Atlanta, and Smyrna tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims profit from lower rates.

The table below sorts the higher priced cities in Georgia with multiple speeding tickets to purchase car insurance in.

Price information shown is estimated as specific Georgia garaging address can influence premium rates significantly.

Performance level and cost of the vehicle you are trying to insure is probably the biggest factor in finding cheap auto insurance with multiple speeding tickets. Vehicles with average performance, excellent safety ratings, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.

The lists below shows car insurance premiums for a handful of the most affordable automobiles to buy insurance for.

Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in your specific Georgia location which can change prices noticeably.

Cost estimates assume single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can revise rates substantially.

Table data represents single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can influence coverage prices significantly.

Discounts on Georgia auto insurance

Auto insurance companies that offer the best cheap auto insurance with multiple speeding tickets in Georgia may additionally offer rate discounts that can reduce rates by as much as 35% if you qualify for them. Large auto insurance companies and some of the discounts can be read below.

• Farm Bureau may offer discounts for driver training, good student, safe driver, 55 and retired, youthful driver, multi-policy, and renewal discount.
• Liberty Mutual has discounts for good student, new vehicle discount, new move discount, hybrid vehicle, and new graduate.
• State Farm offers premium reductions for safe vehicle, student away at school, defensive driving training, Steer Clear safe driver discount, good student, and accident-free.
• Auto-Owners Insurance includes discounts for air bags, student away at school, anti-theft, good student, and paperless.
• GEICO offers discounts for membership and employees, five-year accident-free, air bags, anti-theft, emergency military deployment, good student, and federal employee.
• SAFECO policyholders can earn discounts including teen safe driver, anti-theft, drive less, safe driver, and homeowner.

The example below illustrates the comparison of car insurance rates with and without some available policy discounts. The prices are based on a female driver, two traffic citations and no accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, multiple vehicle, vehicle safety, paperless filing, continuous coverage, and homeowner discounts applied. When drivers take advantage of discounts, the the average amount saved on auto insurance with multiple speeding tickets is 28% or $981.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4781,3435],[‘Age 30’, 3553,2567],[‘Age 40’, 3369,2429],[‘Age 50’, 3055,2207],[‘Age 60’, 2985,2155],[‘Age 70’, 3345,2409]]);var options = {title: ‘Insurance Premium Comparison with Multiple Speeding Tickets’,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);}

Irresponsible driving raises your rates

In a perfect world, the ideal way to receive the best cheap auto insurance with multiple speeding tickets in Georgia is to drive safely and not have accidents or get tickets. The illustration below illustrates how speeding tickets and at-fault accidents can affect auto insurance costs for each age group. The rate quotes are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4485,4865,5959],[‘Age 30’, 2327,2707,3803],[‘Age 40’, 2231,2613,3707],[‘Age 50’, 2043,2429,3521],[‘Age 60’, 2011,2393,3485],[‘Age 70’, 2321,2701,3795]]);var options = {title: ‘Violations, Accidents, and Georgia Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of a car insurance policy per year with no violations or accidents is $2,570. Get written up for one speeding ticket and the average cost jumps to $2,951, an increase of $382 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance with multiple speeding tickets increases to an average of $4,045. That’s an increase of $1,475, or $123 per month, just for not keeping your driving record clean!

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

If you’re looking for the cheapest car insurance after a few driving violations in Georgia, the companies that insure more vehicles than anyone else are State Farm, Allstate, Geico, and Progressive. If you put them all together, they insure nearly half of the car insurance market in the United States. Each one has different options that may influence your buying decision. The data below compares and contrasts pricing and service ratings, as well as optional policy coverages you can expect with each one.