Cheap Insurance for Ride Shares in Georgia

Cheap Insurance for Ride Shares in Georgia

Wouldn’t it be so easy if we could instantly tell you the one best car insurance company that has the best insurance prices for a Kia Forte? It’s not that easy, however, as there are a whole slew of unknown elements such as what deductibles to use for physical damage coverage, if you have a clean driving record, the vehicle you are insuring, and if you own your own home. If you keep reading, we will teach you about the best ways to save on auto insurance and also should give you a solid foundation to find cheaper car insurance.

Finding dependable, low-priced insurance is confusing at best, and determining which companies offer the cheapest auto insurance rates for a Kia Forte will require even more shopping around. Each auto insurance company has a different process to determine premium rates, so let’s begin by examining the auto insurance companies with the most affordable rates in Georgia.

It’s important to understand that Georgia auto insurance rates are impacted by many factors that will increase or decrease the price you pay. Taking a driver safety course, buying a higher-value vehicle, or getting a speeding ticket may prompt premium changes that can now make some companies cheaper than competitors.

Cheap Insurance Rates for Your Forte

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Georgia auto insurance company rankings
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $895
3 USAA $1,008
4 Central Mutual $1,205
5 MetLife $1,226
6 Travelers $1,292
7 Georgia Farm Bureau $1,312
8 Mercury $1,369
9 Country $1,391
10 State Farm $1,404
11 Safeco $1,411
12 Allied $1,424
13 California Casualty $1,531
14 Encompass $1,639
15 Progressive $1,721
16 Nationwide $1,883
17 Liberty Mutual $2,044
18 GEICO $2,231
19 Allstate $2,246
20 Victoria $2,483
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Auto-Owners may offer some of the most affordable car insurance rates in Georgia at around $855 each year. The Hartford, USAA, Central Mutual, and MetLife also are some of the best Georgia car insurance companies.

As the rates illustrate above, if you buy coverage from Central Mutual and switched to Auto-Owners, you may realize a yearly price reduction of in the vicinity of $350. Policyholders with MetLife may save as much as $371 a year, and Travelers insureds might realize rate reductions of up to $437 a year.

To discover how much you can save, click here or visit any of the companies below.

It’s important to note that these policy rates are averaged for all ages of drivers and types of vehicles and and are not calculated with a rate decrease for a Kia Forte. So the auto insurance company that can offer you the best price may not even be in the list of companies above. That helps illustrate why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

When shopping for cheaper car insurance for a Forte, one of the many factors that influence the policy price is where you choose to live in Georgia. Areas that are more densely populated or have higher claim rates like East Point, North Atlanta, and Roswell tend to pay slightly more, whereas areas that tend to be more rural benefit from lower rates.

The following table sorts the most expensive areas in Georgia for a Kia Forte in which to purchase auto insurance.

Georgia cities ranked by car insurance cost
Rank City Annual Rate
1 East Point $1,450
2 Atlanta $1,419
3 North Atlanta $1,349
4 Marietta $1,291
5 Roswell $1,272
6 Sandy Springs $1,268
7 Dunwoody $1,268
8 Mableton $1,254
9 Macon $1,253
10 Alpharetta $1,246
11 Columbus $1,243
12 Smyrna $1,242
13 Savannah $1,227
14 Gainesville $1,220
15 Peachtree City $1,204
16 Augusta $1,185
17 Rome $1,182
18 Albany $1,154
19 Martinez $1,152
20 Warner Robins $1,149
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Price information shown is comparative as specific Georgia garaging address can increase or decrease auto insurance rates significantly.

Buying coverage from the best car insurance company can be difficult considering how many different insurance companies sell coverage in Georgia. The company rank data listed below could help you analyze which car insurance companies to look at when trying to find the cheapest insurance for a Kia Forte. These ratings include large, nationwide insurance companies, so smaller regional companies are not factored into the list.

Georgia Auto Insurance Company Rankings
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

Progressive, State Farm, Geico, or Allstate: Which is best?

When it comes to auto insurance for a Forte, the first places to look would be Progressive, State Farm, Geico, and Allstate. They all have the same basic coverages, but each one has a distict selection of optional coverages and features that buyers can select from. The table below breaks down some of the different options that are available for customers.

Car Insurance Company Comparison
Progressive State Farm Geico Allstate
Overall Satisfaction 3rd 4th 1st 2nd
Policy Discounts 4th 3rd 2nd 1st
Claims Service 4th 2nd 3rd 1st
Price Ranking 3rd 2nd 1st 4th
Amount of market share 8.8% 18.3% 11.4% 10%
Percent of customers who recommend 88% 88% 87% 86%
A.M. Best rating A+ A++ A++ A+
Standard & Poor’s rating AA AA AA+ AA-
Emergency roadside service Yes Yes Yes Yes
Mechanical breakdown insurance Yes No Yes No
Uber and Lyft insurance Yes Yes Yes Yes
Usage-based rating Yes Yes No Yes
Accident forgiveness coverage Yes No Yes Yes
New car replacement No No No Yes
Coverage in Georgia Yes Yes Yes Yes
Types of agents used Buy online or from an independent agent Only from State Farm agents Both online and from Geico agents Only buy from Allstate agents
Number of agents 30,000+ 18,000+ 150+ 11,000+
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