Cheapest Car Insurance Quotes for Infrequent Drivers in Georgia

It would sure make life easier if we could just tell you the company that has the cheapest coverage in Georgia. It’s not that easy, however, as there are a whole bunch of unknown elements like if your vehicle is for work or personal use, the safety features of your vehicle, and your choice of physical damage deductibles. The content below covers some of these criteria and will hopefully give you a jump start in finding the best auto insurance in Georgia.

The vehicle model on the policy is a large factor when comparing economical car insurance for infrequent drivers. Vehicles with lower performance, good crash test ratings, or a track record of few liability claims will cost significantly less to insure than higher performance models.

The list below outlines coverage rates for some of the cheapest vehicles to insure in Georgia.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific garaging location which can revise coverage prices noticeably.

Looking at the rates, you can assume that models like the Ford Escape, Jeep Wrangler, Honda CR-V, Chevrolet Impala, and Honda Odyssey are going to be some of the cheapest vehicles to insure for low mileage drivers.

For low mileage drivers, one of the big criteria that impact the price you pay for insurance is where your home is located in Georgia. Regions with larger populations or more claims like East Point, Dunwoody, and Macon tend to pay higher rates, whereas more rural areas generally pay lower auto insurance rates.

The illustration below ranks the most costly cities in Georgia for infrequent drivers in which to purchase auto insurance.

Rate quotes are approximated as zip code location can change insurance rates significantly.

Picking the top insurer is difficult considering how many different companies there are to choose from in Georgia. The rank data shown below could help you analyze which car insurance companies to look at buying from.

The ratings below include the largest auto insurers in America, so companies without a large exposure are not included in these rankings. To compare prices from these top insurers and more, follow this link.

Top 10 Major Auto Insurance Providers Overall in Georgia

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Full coverage or liability only

Finding the cheapest car insurance for infrequent drivers in Georgia is important to the majority of people, and one great way to reduce the cost of insurance is to only buy liability coverage. The example below shows the difference between annual premium costs with full physical damage coverage compared to only buying liability only. The information is based on no violations or accidents, $1,000 deductibles, single status, and no discounts are factored in.

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If all age groups are averaged, full coverage on your policy costs $1,650 per year over liability only. Lot’s of drivers question if you should buy full coverage at all. There is no definitive rule to delete full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are currently paying more than $500 annually for full coverage, then it may be the right time to buy liability only.

Geico vs Progressive vs State Farm vs Allstate

If you’re looking for the best car insurance, probably the best companies to start with are Geico, Progressive, State Farm, and Allstate. The following table shows pricing and service ratings, as well as optional policy coverages that are available.

Who has the cheapest insurance quotes for low mileage drivers?

Drivers have a lot of different ways to comparison shop for auto insurance in Georgia, but the most popular ways are through a captive (or exclusive) agent such as Auto-Owners or State Farm, an independent agent, or buying direct from a company like Geico or Progressive. Each way has the same basic steps, but auto insurance shoppers should know the differences in how they work.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from each one. These types of agencies are not restricted to one company and can provide multiple price quotes, which may give you improved chances of finding a lower rate. If premiums increase, they simply move the coverage in-house and you won’t have to switch agencies.

An exlusive, or captive, agency is usually restricted to a single insurance company, examples being a Farmers or Allstate agent. Exclusive agencies are unable to provide multiple price quotes, so you might not find the best rates.

Consumers who buy auto insurance direct forego an independent or exclusive agent and buy buying direct from a company like Esurance or Progressive. This auto insurance option can be a good choice for families who have lower risk management needs and have an above average understanding of what coverage limits and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest car insurance for infrequent drivers in Georgia? It would be easy to say buying direct saves money since that prevents the need to pay agent commissions, but in reality, that is not true. We’d also like to say going through an independent agent saves the most money since they have more companies to choose from, but again, it’s not a sure thing. In the right set of circumstances, the exclusive agents have price quotes that other auto insurance companies cannot touch.

Because there are so many factors that make up auto insurance rates, the one way to ensure the lowest rates is to get rate quotes and compare. Set aside the time to get price quotes all three ways in order to have the best selection to choose from. For a list of auto insurance companies with low rates, click here to view.