For Georgia drivers, one of the things that influence the price of your policy is where your residence is. Regions with more people or even just more weather-related claims like East Point, North Atlanta, and Roswell are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The following table displays the most costly cities in Georgia for Uber drivers to purchase car insurance in.
Rank | City | Annual Premium |
---|---|---|
1 | East Point | $1,450 |
2 | Atlanta | $1,363 |
3 | North Atlanta | $1,310 |
4 | Macon | $1,291 |
5 | Roswell | $1,272 |
6 | Dunwoody | $1,268 |
7 | Mableton | $1,267 |
8 | Alpharetta | $1,246 |
9 | Smyrna | $1,242 |
10 | Marietta | $1,241 |
11 | Sandy Springs | $1,230 |
12 | Savannah | $1,227 |
13 | Gainesville | $1,220 |
14 | Columbus | $1,219 |
15 | Rome | $1,218 |
16 | Augusta | $1,185 |
17 | Peachtree City | $1,168 |
18 | Martinez | $1,164 |
19 | Warner Robins | $1,161 |
20 | Hinesville | $1,145 |
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Information shown are comparative as the specific Georgia residence address can influence rates significantly.
Finding good, cost effective car insurance is confusing at best, and finding out which insurers offer the cheapest insurance rates for Uber drivers will involve even more work. Every insurance company has a proprietary formula for establishing rates, so first we will examine the most competitive insurance companies in Georgia.
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Rank | Company | Cost Per Year |
---|---|---|
1 | Auto-Owners | $855 |
2 | The Hartford | $895 |
3 | USAA | $1,008 |
4 | Central Mutual | $1,193 |
5 | Georgia Farm Bureau | $1,260 |
6 | MetLife | $1,276 |
7 | Travelers | $1,292 |
8 | Safeco | $1,369 |
9 | Mercury | $1,369 |
10 | Country | $1,419 |
11 | Allied | $1,424 |
12 | State Farm | $1,446 |
13 | California Casualty | $1,561 |
14 | Encompass | $1,673 |
15 | Progressive | $1,721 |
16 | Nationwide | $1,901 |
17 | Liberty Mutual | $2,064 |
18 | Allstate | $2,202 |
19 | GEICO | $2,209 |
20 | Victoria | $2,585 |
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Auto-Owners quotes some of the most affordable car insurance rates in Georgia at around $855 annually. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also rank well as some of the cheapest Georgia car insurance companies.
As depicted above, if you are currently insured with Georgia Farm Bureau and switched to The Hartford, you could see a yearly price reduction of roughly $365. Customers with MetLife may save as much as $381 a year, and Travelers policyholders might lower prices by up to $397 a year.
Bear in mind that those premium estimates are averages across all drivers and vehicles in Georgia and are not factoring in a price decrease for Uber drivers. So the insurer that fits your needs best may not even be included in the chart above. That’s why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
The safety and performance level of the vehicle driven is a large consideration when trying to find cheap car insurance for Uber drivers in Georgia. Vehicles with high performance features, poor safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models.
The data below features coverage costs for a number of the most budget-friendly vehicles to insure in Georgia.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu Hybrid | $1,396 | $698 | $116 |
Ford Focus SES 2-Dr Coupe | $1,558 | $779 | $130 |
Honda Civic EX-L 2-Dr Coupe | $1,716 | $858 | $143 |
Hyundai Elantra SE 4-Dr Sedan | $1,468 | $734 | $122 |
Hyundai Sonata Limited 4-Dr Sedan | $1,594 | $797 | $133 |
Kia Optima EX | $1,594 | $797 | $133 |
Nissan Altima 2.5 4-Dr Sedan | $1,396 | $698 | $116 |
Toyota Camry SE | $1,468 | $734 | $122 |
Volkswagen Jetta S 4-Dr Sedan | $1,396 | $698 | $116 |
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in garaging location in Georgia which can change premium rates greatly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX 2WD | $1,292 | $646 | $108 |
Chevrolet Traverse LS AWD | $1,254 | $627 | $105 |
Ford Escape XLT 4WD | $1,218 | $609 | $102 |
Ford Expedition XLT 4WD | $1,328 | $664 | $111 |
Ford Explorer Eddie Bauer AWD | $1,432 | $716 | $119 |
GMC Acadia SL AWD | $1,322 | $661 | $110 |
Honda CR-V EX 4WD | $1,218 | $609 | $102 |
Honda Pilot EX-L 4WD | $1,432 | $716 | $119 |
Hyundai Tucson GLS 4WD | $1,322 | $661 | $110 |
Jeep Grand Cherokee Limited 4WD | $1,504 | $752 | $125 |
Jeep Wrangler Sahara 4WD 2-Dr | $1,322 | $661 | $110 |
Lexus RX 350 4WD | $1,704 | $852 | $142 |
Nissan Pathfinder SE 4WD | $1,322 | $661 | $110 |
Toyota Highlander Hybrid 4WD | $1,540 | $770 | $128 |
Toyota RAV4 4WD | $1,396 | $698 | $116 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in vehicle garaging location which can alter price quotes considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT 4WD | $1,182 | $591 | $99 |
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,504 | $752 | $125 |
Chevrolet Silverado LTZ Extended Cab 4WD | $1,504 | $752 | $125 |
Dodge Ram 2500 Crew Cab ST 2WD | $1,594 | $797 | $133 |
Dodge Ram Quad Cab SLT 2WD | $1,522 | $761 | $127 |
Ford F-150 Lariat Crew Cab Harley 2WD | $1,504 | $752 | $125 |
Ford F-250 XL Super Cab 2WD | $1,594 | $797 | $133 |
GMC Sierra Denali Crew Cab 4WD | $1,614 | $807 | $135 |
Toyota Tacoma Double Cab 4WD | $1,432 | $716 | $119 |
Toyota Tundra Double Cab 4WD | $1,522 | $761 | $127 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in your specific Georgia location which can affect rates substantially.
Buying coverage from the best insurance company can be challenging considering how many companies there are to choose from in Georgia. The company ratings in the lists below could help you decide which car insurance providers to look at comparing price quotes from.
The ratings below include companies that write coverage in many states, so companies that may only write in Georgia are not taken into consideration for these rankings. If you’d like to compare prices from many more Georgia auto insurance companies, simply click here.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
When it comes to buying car insurance for Uber vehicles in Georgia, four companies you’ll want quotes from are State Farm, Progressive, Geico, and Allstate. The table below illustrates ratings and policy coverage options shoppers can find with each company.
State Farm | Progressive | Geico | Allstate | |
---|---|---|---|---|
Price Ranking | 2nd | 3rd | 1st | 4th |
Claims Service | 2nd | 4th | 3rd | 1st |
Number of Discounts | 3rd | 4th | 2nd | 1st |
Customer Satisfaction | 4th | 3rd | 1st | 2nd |
Amount of market share | 18.3% | 8.8% | 11.4% | 10% |
New car replacement insurance | No | No | No | Yes |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Roadside service | Yes | Yes | Yes | Yes |
Usage-based insurance | Yes | Yes | No | Yes |
Breakdown insurance | No | Yes | Yes | No |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Types of agents used | State Farm-only agents | Online or from independent agents | Online or through a Geico agent | Can only buy from Allstate agents |
Number of agents | 18,000+ | 30,000+ | 150+ | 11,000+ |
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