Cheapest Car Insurance Quotes for 16 Year Olds in Georgia

Cheapest Car Insurance Quotes for 16 Year Olds in Georgia

One of the key considerations that help determine rate quotes is where you normally keep your vehicle in Georgia. Cities with larger populations like East Point, North Atlanta, and Alpharetta will most likely have higher rates, whereas areas with less crime or weather claims generally have lower rates.

The information below illustrates the priciest cities in Georgia for 16 year olds in which to buy car insurance.

Georgia cities ranked by car insurance cost
Rank City Average Per Year
1 East Point $1,436
2 Atlanta $1,419
3 North Atlanta $1,297
4 Smyrna $1,292
5 Alpharetta $1,284
6 Sandy Springs $1,280
7 Dunwoody $1,268
8 Mableton $1,254
9 Macon $1,253
10 Marietta $1,241
11 Roswell $1,222
12 Gainesville $1,220
13 Augusta $1,209
14 Columbus $1,206
15 Peachtree City $1,192
16 Savannah $1,191
17 Rome $1,182
18 Athens $1,170
19 Dalton $1,145
20 Hinesville $1,123
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Premium costs are estimated as specific location information can lower or raise price quotes substantially.

Determining which insurers offer the most affordable insurance rates for 16 year olds involves a little more effort in order to find the best policy.

Every insurance provider has a proprietary method for filing rates in each state, so let’s look at the rankings for the lowest cost insurance companies in Georgia. It’s important to understand that Georgia insurance rates are calculated based on many things that can increase the price you pay. Simply having another birthday, buying a different vehicle, or getting a ticket for careless driving can trigger rate changes that may make certain companies more affordable than competitors.

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

As shown in the table above, if you are insured with Central Mutual and switched to The Hartford, you could realize a yearly price reduction of roughly $256. Policyholders with MetLife might save as much as $363 a year, and Georgia Farm Bureau insureds might lower prices by $386 a year.

It’s important to note that these estimates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a price increase for 16 year olds. So the car insurance company that can offer you the best rate may not even be included in the chart above. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The car, truck, or SUV that is being insured is a significant factor that determines the availablility of the cheapest auto insurance for 16 year olds in Georgia. Vehicles with higher performance characteristics, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than more modest models. The next table presents car insurance costs for a number of the most economical vehicles to insure in Georgia.

Cheapest Auto Insurance Rates for 16 Year Olds in Georgia
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $4,835
Chevrolet Traverse LS 2WD $4,880
Ford Escape XLT 4WD $4,885
Honda Accord EX-L 4-Dr Sedan $5,174
Toyota Prius $5,221
Subaru Forester X AWD $5,226
Hyundai Tucson GLS 2WD $5,391
Ford Explorer Eddie Bauer 2WD $5,435
Kia Forte LX 4-Dr Sedan $5,441
Subaru Outback 2.5I $5,482
Ford F-150 STX Super Cab 4WD $5,491
Ford Edge SEL AWD $5,685
Hyundai Santa Fe GLS 2WD $5,691
GMC Sierra SLE Regular Cab 2WD $5,730
Chevrolet Equinox LS AWD $5,737
Toyota Sienna XLE $5,730
Nissan Altima 2.5 4-Dr Sedan $5,737
Toyota RAV4 Limited 4WD $5,730
Jeep Grand Cherokee Laredo 4WD $5,740
Chevrolet Malibu LT $5,777
Dodge Grand Caravan SXT $5,783
Ford Focus SEL 4-Dr Sedan $5,982
Honda Civic LX-S 4-Dr Sedan $5,990
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location which can influence insurance rates greatly.

Based upon these rates, you can infer that makes and models like the Honda CR-V, Chevrolet Traverse, Ford Escape, Honda Accord, and Toyota Prius are most likely to be a few of the cheapest vehicles to insure for new drivers. Rates will trend higher because there is more claim exposure for 16 year olds, but overall those particular models will probably have the lowest insurance rates possible.

Impact of citations and accidents on Georgia insurance rates

The ideal way to maintain the cheapest auto insurance for 16 year olds in Georgia is to drive safe and avoid traffic citations and accidents. The information below illustrates how speeding tickets and accidents can raise insurance premiums for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of a car insurance policy in Georgia per year with no accidents and a clean driving record is $2,350. Get two speeding tickets and the average cost increases to $3,146, an increase of $796 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for 16 year olds increases to an average of $6,280. That’s an increase of $3,930, or $327 per month, just for not being attentive to the road!