How Much are Car Insurance Quotes for Uninsured Drivers in Georgia?

In a perfect world, we could tell you the company that has the cheapest rates in Georgia. Unfortunately, it’s just not that easy, as there are a whole slew of unknown aspects such as the crime level of your neighborhood, the liability limit you need, if you have a lapse in coverage, and what level of deductibles you need, that all impact the cost of your policy. The information below will cover the best ways to find cheap car insurance and will hopefully give the reader a solid foundation to find cheaper car insurance.

One of the many components used to establish the price of your policy is your zip code in Georgia. Areas that are more densely populated like East Point, North Atlanta, and Macon will most likely pay more, whereas areas with less traffic congestion and claims enjoy lower car insurance rates.

The information below displays the most expensive places in Georgia for uninsured drivers in which to purchase auto insurance.

Premium costs are estimated as the garaging address in Georgia can raise or lower premium rates substantially.

We all have different tastes in cars, and the vehicle you are seeking coverage for is one of the primary factors that determines the availablility of the most affordable car insurance for uninsured drivers. Vehicles with higher performance, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The data below presents auto insurance premiums for a number of the cheaper vehicles to insure in Georgia.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific Georgia garaging location which can alter prices substantially.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in zip code location which can lower or raise premiums noticeably.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific location which can decrease or increase insurance rates substantially.

Determining which companies have the cheapest car insurance rates for uninsured drivers requires a tad more effort than just picking a company at random. Each insurer has a different formula to establish rates, so let’s rank the lowest cost car insurance companies in Georgia.

We do need to point out that Georgia car insurance rates are calculated based on many things that control the price of your policy. Simply having a birthday, increasing deductibles, or getting into an accident may generate price changes that can cause some rates to be much cheaper than others.

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Auto-Owners normally has some of the lowest car insurance rates in Georgia at around $864 each year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the cheapest Georgia insurance companies.

In the above example, if you are a policyholder with USAA and switched to Auto-Owners, you might see savings of upwards of $104. Customers with Central Mutual could save as much as $305 a year, and MetLife insureds might cut rates by $362 a year.

Be aware that those estimates are averages for all types of drivers and the different vehicles they drive and and are not figured with a rate discount for uninsured drivers. So the insurer that can offer you the lowest price may not even be featured in the company chart above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.

Irresponsible driving raises your rates

The easiest method to receive the best car insurance premiums for drivers with no prior coverage is to be a cautious driver and not have accidents or get tickets. The information below demonstrates how speeding tickets and at-fault fender-benders impact auto insurance rates for each age group. The premiums are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

In the prior example, the average cost of auto insurance in Georgia per year with a clean driving record and no accidents is $1,926. Get one speeding ticket and the average cost jumps to $2,247, an increase of $321 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for uninsured drivers goes up to an average of $5,119. That’s an increase of $3,193, or $266 per month, just for not driving attentively!

Full coverage rates compared to liability only

Finding cheap car insurance for uninsured drivers in Georgia should be important to the majority of drivers, and a great way to find cheap insurance is to only pay for liability coverage. The illustration below visualizes the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

If we average all the age groups together, comprehensive and collision coverage on your policy costs $2,199 per year over and above liability coverage. That brings up the question if paying for full coverage is worth it. There is no written rule to drop full coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $10,500 after paying your deductible. If it’s costing in excess of $1,050 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

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

When buying car insurance for drivers with no prior coverage in Georgia, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. When added together, they make up over 45% of the entire U.S. car insurance market. Each one has slightly different options that may influence your choice. The next table rates ratings for price and service, as well as some optional coverages that policyholders can buy.

Cheap insurance quotes for drivers with no prior coverage

Consumers have many ways to buy car insurance in Georgia, but the most frequently used methods are from an independent agent, an exclusive insurance agent such as Auto-Owners or State Farm, or direct either online or via phone. They all follow the same basic process, but they differ in how they price policies.

Independent agents write business for many companies and can compare rates with every one. Agents of this type have the option to get prices from more than one company, which may provide you with a better chance of saving money. If they find a cheaper price, your agent can switch companies and you can remain with the same agent.

A captive or exclusive agent is contracted to just one company like Allstate or Farmers Insurance agents. Exclusive agents are unable to compare rates from other companies, so if rates are not competitive, they cannot give other choices.

The third popular method of shopping for car insurance is direct, which means you bypass an agent and buy buying direct from a company like Progressive or Esurance. This car insurance option is a good choice for drivers who do not need advice for asset protection and have knowledge of what car insurance covers.

So which of the methods works best for finding cheap car insurance for uninsured drivers in Georgia? We’d like to say buying direct results in the best prices because there isn’t an agent involved, but that is generally not the case. It would also be easy to say an independent agent guarantees the cheapest rates since they can quote with many companies, but again, that’s not accurate. And occasionally, exclusive agents have price quotes that are the cheapest.

Because of the variability of car insurance rates, the best way to ensure you are not overpaying for car insurance is to get quotes and compare. It’s recommended that drivers get prices from all three to get a good idea who is cheapest. For a list of companies with cheap rates in Georgia, click here to view.