How Much Does Car Insurance Cost for High School Students in Georgia?

You have most likely watched the captivating ads from companies like The General and Liberty Mutual that make promises of the cheapest rates. So you should just choose the one with the most memorable commercial, right?

It’s just not that simple, as there are a whole slew of unknown elements such as traffic citations and accidents, if your vehicle is used for personal use or work, and the amount of driving experience you have. If you keep reading, we will teach you about the best ways to compare rates and also should give you a solid foundation to find cheaper car insurance.

Comparing rates for affordable auto insurance is not the easiest thing to do, and deciding which companies have the most affordable insurance rates for high school students calls for additional perseverance. Prices may be much greater than the average rate in Georgia due to the added risk that comes with offering insurance for teenagers, but reasonable coverage should be obtainable if you carefully shop around. Each auto insurance company has their own formula for determining prices, so first we will examine the insurance companies with the most affordable rates in Georgia.

We do need to point out that Georgia insurance rates are impacted by many things that will increase or decrease the price of your policy. That is why Georgia drivers need to compare as many rates as possible when trying to get affordable insurance quotes for high school students. Rates are determined by many things and change frequently, so the cheapest rate two years ago may now be quite expensive.

Cheap Insurance Rates for Students

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Auto-Owners generally has some of the best car insurance rates in Georgia at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the lowest-priced Georgia car insurance companies.

In the above example, if you have coverage with Central Mutual and switched to The Hartford, you may realize a yearly price reduction of around $298. Policyholders with MetLife might save as much as $381 a year, and Travelers policyholders might lower prices by $397 a year.

To see if your current coverage is too expensive, click here to begin a quote or click through to the companies below.

It’s important to note that these prices are averaged across all types of insureds and vehicles and do not take into consideration a rate increase for high school students. So the car insurance company that is best suited for you may not even be featured in the list of companies shown earlier. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Everyone has different tastes in autos, and the style of vehicle you are trying to insure is one of the primary factors when comparing quotes for cheap car insurance for high school students. Vehicles with high performance, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than more modest models.

The data below features coverage prices for a selection of the cheapest vehicles to insure.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in Georgia location which can change insurance rates substantially.

Table data represents single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can affect prices greatly.

Above prices assume single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific Georgia garaging location which can raise or lower coverage prices significantly.

For teenagers, one of the more important things that aid in calculating the price of your policy is where you keep your car in Georgia. Areas with more people or more claims like East Point, North Atlanta, and Smyrna are more likely to pay higher prices, whereas areas with less people or fewer weather incidents profit from lower rates.

The illustration below ranks the priciest cities in Georgia for high school students to purchase a policy in.

Rate information is comparative as the specific geographic location can impact prices noticeably.

The information below demonstrates how deductibles can influence insurance costs when trying to find cheap insurance for high school students. The rate quotes are based on a married female driver, comp and collision included, and no other discounts are factored in.

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The chart above illustrates that a 40-year-old driver could cut expenses by $268 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $406 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save $666 or more by using a higher deductible. When raising deductibles, it is important to have enough savings set aside to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.