Cheap Car Insurance for Business Use in Georgia

Cheap Car Insurance for Business Use in Georgia

The words “economical” and “insurance” probably shouldn’t be used together, specifically when you are searching for the lowest insurance rates for business use. Because it’s not cheap, let’s open your eyes to some of the things that determine insurance prices, and see if we can help you slash the price of your next policy.

The vehicle that is being insured is one of the primary factors that determines if you can find cheap car insurance for business use in Georgia. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The data below ranks car insurance prices for a number of the more afforable vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Business Use in Georgia
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,116
Ford Escape XLT 4WD $1,125
Honda Accord EX 4-Dr Sedan $1,231
Chevrolet Traverse LS 2WD $1,264
Chevrolet Equinox LS 2WD $1,292
Ford F-150 XL Super Cab 2WD $1,306
Subaru Outback 3.6R Premium $1,316
Toyota Prius $1,328
Toyota Tacoma 4WD $1,335
Honda Odyssey EX-L $1,363
Toyota Corolla LE $1,368
Hyundai Santa Fe SE 4WD $1,363
Nissan Rogue S 2WD $1,384
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can modify prices substantially.

Looking at the rates, you can presume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Chevrolet Traverse, and Chevrolet Equinox are most likely going to be some of the most economical vehicles to insure for using your car for business. Prices will be higher anyway because there is more claim exposure for business use, but overall those vehicles will probably have the lowest insurance rates that you’ll find.

For using your car for business, one of the more important components that auto insurance companies use when figuring the price of your policy is where you choose to live in Georgia. Urban areas that are densely populated like East Point, North Atlanta, and Smyrna will most likely have higher rates, whereas areas with less traffic congestion and claims receive better rates.

The table below displays the most expensive areas in Georgia for business use to buy an auto insurance policy in.

How much does car insurance cost in Georgia?
Rank City Annual Rate
1 East Point $1,480
2 Atlanta $1,419
3 North Atlanta $1,336
4 Dunwoody $1,307
5 Smyrna $1,292
6 Roswell $1,272
7 Mableton $1,267
8 Marietta $1,253
9 Alpharetta $1,246
10 Macon $1,241
11 Savannah $1,239
12 Sandy Springs $1,230
13 Gainesville $1,220
14 Columbus $1,206
15 Peachtree City $1,204
16 Augusta $1,185
17 Rome $1,170
18 Hinesville $1,157
19 Dalton $1,134
20 Martinez $1,130
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Information shown are approximated as the specific Georgia residence address can lower or raise price quotes substantially.

Buying coverage from the right auto insurance provider can be difficult considering how many different companies sell coverage in Georgia. The ranking data displayed below can help you choose which insurers to look at purchasing a policy from.

The rankings below include the largest companies in the United States, so companies that focus mainly on Georgia business are not included in the list. To check rates from these top insurers and more, simply click here.

Top 15 Insurance Companies in Georgia
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
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Data Source: Insure.com Best Car Insurance Companies

Tips to find economical insurance for business use

The list below summarizes some of the recommended money-saving solutions that can help Georgia drivers quote cheap car insurance.

  • Higher deductibles mean lower rates
  • Increase your credit rating
  • Ensure your driving record is clean
  • Drop full coverage on older vehicles
  • Safe vehicles cost less to insure
  • Prevent rate increases by staying accident-free
  • Look for cheaper rates once a year by shopping around

That final tip is extremely significant, as was noted in this piece. Car insurance rates can be modified anytime, so you should be ready to buy a different policy if a more affordable price is available. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you a lot of money. Now is a great time to compare rates to find cheaper auto insurance for business use.