Cheap Car Insurance Quotes for Felons in Georgia

Cheap Car Insurance Quotes for Felons in Georgia

When shopping for car insurance for felons, one of the many considerations that impact a rate quote is where you normally keep your vehicle in Georgia. Areas that are more densely populated like East Point, North Atlanta, and Macon will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims generally pay lower car insurance rates.

The information below lists the priciest cities in Georgia for felons to purchase car insurance in.

How much is auto insurance in Georgia?
Rank City Average Per Year
1 East Point $1,494
2 Atlanta $1,419
3 North Atlanta $1,349
4 Dunwoody $1,281
5 Macon $1,279
6 Roswell $1,272
7 Mableton $1,254
8 Alpharetta $1,246
9 Columbus $1,243
10 Smyrna $1,242
11 Marietta $1,241
12 Savannah $1,239
13 Sandy Springs $1,230
14 Gainesville $1,220
15 Peachtree City $1,192
16 Augusta $1,173
17 Athens $1,170
18 Rome $1,170
19 Martinez $1,152
20 Albany $1,120
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Premium costs are estimated as the specific Georgia residence address can alter insurance rates noticeably.

Deciphering which company has the cheapest car insurance rates for felons will require a little more effort in order to find coverage that fits your buget. Every car insurance company has a unique formula to determine premium rates, so to begin we’ll rank the most affordable car insurance companies in Georgia.

We do need to point out that Georgia car insurance rates are impacted by many things that can increase the price you have to pay. Turning one year older, getting divorced, or getting a speeding ticket can trigger rate changes that may make certain companies affordable when they were higher priced.

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Cheapest insurance companies in Georgia
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $913
3 USAA $998
4 Central Mutual $1,205
5 MetLife $1,276
6 Travelers $1,292
7 Georgia Farm Bureau $1,299
8 Mercury $1,355
9 State Farm $1,390
10 Safeco $1,397
11 Country $1,433
12 Allied $1,467
13 California Casualty $1,561
14 Encompass $1,623
15 Progressive $1,738
16 Nationwide $1,901
17 Liberty Mutual $2,044
18 GEICO $2,143
19 Allstate $2,180
20 Victoria $2,559
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Auto-Owners normally has some of the best car insurance rates in Georgia at around $839 annually. The Hartford, USAA, Central Mutual, and MetLife are also some of the best Georgia auto insurance companies.

As the example above demonstrates, if you are currently insured with The Hartford and switched to Auto-Owners, you could realize savings of about $74. Insureds with USAA could save as much as $159 a year, and Central Mutual insureds might realize rate reductions of up to $366 a year.

These rates are averaged across all ages of drivers and types of vehicles and are not factoring in a price decrease for felons. So the company that is best for you may not even be shown in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

Discounts on cheap car insurance for felons in Georgia

Car insurance for felons in GeorgiaCar insurance companies that offer cheap quotes for felons may additionally offer premium discounts that can reduce rates by as much as 35% if you can meet the requirements. The best car insurance companies and some of the premium reductions they offer are detailed below.

Auto Insurance Discounts for Popular Insurers
Discount Allstate State Farm Progressive Geico Farmers Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes No Yes
Passive restraint Yes Yes No Yes Yes Yes
Running lights No Yes No Yes Yes No
New vehicle Yes Yes No No Yes No
Accident-free Yes Yes Yes Yes Yes No
Defensive driver Yes Yes Yes Yes Yes No
Armed forces No Yes Yes Yes Yes No
Affinity/occupation No No No Yes Yes Yes
Paid in full Yes No Yes Yes Yes Yes
Paperless billing Yes No Yes Yes Yes Yes
Brand loyalty No Yes Yes No Yes No
Good grades Yes Yes Yes Yes Yes Yes
Student at college Yes Yes Yes No Yes Yes
Own home No No Yes No Yes No
Use seat belts No No No Yes No No
Quote online No No Yes No No No
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The information below compares annual premium costs with and without discounts applied to the premium. The premiums are based on a female driver, no violations or claims, Georgia state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, homeowner, vehicle safety, claim-free, accident-free, and defensive driving course discounts applied. When discounts are applied, the average savings per year on car insurance for felons is 33% or $698.

Tickets and at-fault accidents raise rates

The easiest way to get cheap car insurance for felons in Georgia is to drive attentively and not have accidents or get tickets. The chart below illustrates how traffic citations and at-fault fender-benders can drive up annual premium costs for each age group. The data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied.

In the previous chart, the average cost of car insurance in Georgia per year with no accidents and a clean driving record is $1,591. Factor in two speeding tickets and the average cost jumps to $2,262, an increase of $671 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for felons jumps again to an average of $2,930. That’s an increase of $1,339, or $112 per month, just for not driving attentively!

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

If you want reliable car insurance for felons in Georgia, four good companies to start with are Geico, State Farm, Allstate, and Progressive. When added together, they insure over 48% of the entire U.S. market share. The following table ranks some of the different options that are available from each company.

Largest Car Insurance Companies Compared
Geico State Farm Allstate Progressive
Claims Rank 3rd 2nd 1st 4th
Price Ranking 1st 2nd 4th 3rd
Number of Discounts 2nd 3rd 1st 4th
Customer Satisfaction 1st 4th 2nd 3rd
U.S. market share 11.4% 18.3% 10% 8.8%
Rating from A.M. Best A++ A++ A+ A+
Usage-based insurance No Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
Mechnical breakdown Yes No No Yes
Accident forgiveness Yes No Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
New car replacement coverage No No Yes No
Where to buy Can buy online or use a Geico agent State Farm-only agents Allstate-only agents Indpendent agents or online
Number of agents 150+ 18,000+ 11,000+ 30,000+
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