The words “low-priced” and “insurance” really shouldn’t be used together, in particular when you are searching for the cheapest auto insurance for Lyft drivers. In an attempt to save some money, let’s start the ball rolling by going over some of the things that significantly impact insurance prices, and find out if we can help you lower the price of your next policy.
Comparing quotes for affordable car insurance is difficult, and deciding which insurers offer the cheapest car insurance rates for Lyft drivers will require even more work. Every car insurance company uses their own formula for determining rates, so let’s take a look at the car insurance companies with the overall best prices in Georgia.
It’s important to know that Georgia car insurance rates are based on many factors which can significantly increase or decrease the policy premium. This price variation is why drivers need to compare lots of rates to get the most economical auto insurance rates for Lyft drivers. Insurance prices are calculated by many different factors and change substantially, so the best company the last time you shopped around may now be quite expensive.
Find the Cheapest Auto Insurance for Your Lyft Vehicle
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Auto-Owners may have some of the cheapest car insurance rates in Georgia at around $830 annually. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the lowest-priced Georgia car insurance companies.
As the rates illustrate above, if you currently have coverage with Central Mutual and switched to The Hartford, you might see annual savings of around $307. Georgia drivers with MetLife may save as much as $352 a year, and Georgia Farm Bureau insureds might reduce prices by as much as $413 a year.
To find cheap auto insurance for Lyft drivers in Georgia for your vehicle, click here to start a quote or click several companies below for low rates.
Remember that these prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a price decrease for Lyft drivers. So the auto insurance company that is best suited for you may not even be in the above list. That points out the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
One of the many things that is looked at to determine the amount you pay each year for auto insurance is where your home is located. More densely populated places like East Point, Dunwoody, and Mableton tend to pay more, whereas areas that tend to be more rural have the benefit of cheap auto insurance for Lyft drivers in Georgia.
The illustration below rates the most costly cities in Georgia for Lyft drivers in which to buy car insurance.
Rank | City | Premium Per Year |
---|---|---|
1 | East Point | $1,480 |
2 | Atlanta | $1,377 |
3 | Dunwoody | $1,320 |
4 | North Atlanta | $1,297 |
5 | Mableton | $1,293 |
6 | Marietta | $1,279 |
7 | Roswell | $1,272 |
8 | Smyrna | $1,254 |
9 | Macon | $1,253 |
10 | Alpharetta | $1,246 |
11 | Columbus | $1,243 |
12 | Gainesville | $1,232 |
13 | Sandy Springs | $1,230 |
14 | Peachtree City | $1,204 |
15 | Savannah | $1,191 |
16 | Augusta | $1,173 |
17 | Rome | $1,170 |
18 | Warner Robins | $1,149 |
19 | Martinez | $1,130 |
20 | Athens | $1,124 |
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Information shown are estimated as vehicle location can raise or lower price quotes substantially.
Insurance providers that offer cheap auto insurance for Lyft drivers in Georgia may also give you rate discounts that could reduce prices by as much as 25% or more if you qualify. A few of the larger companies and a summarized list of policyholder discounts include:
Discount | Progressive | State Farm | Geico | Allstate | Farmers |
---|---|---|---|---|---|
Bundled policies | Yes | Yes | Yes | Yes | Yes |
Multi-vehicle | Yes | Yes | Yes | No | Yes |
Anti-theft | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | No | Yes | Yes | Yes | No |
Passive restraint | No | Yes | Yes | Yes | Yes |
New vehicle | No | Yes | No | Yes | Yes |
Safe driver | Yes | Yes | Yes | Yes | Yes |
Defensive driving course | Yes | Yes | Yes | Yes | Yes |
Active duty military | Yes | Yes | Yes | No | Yes |
Occupational | No | No | Yes | No | Yes |
Full payment | Yes | No | Yes | Yes | Yes |
Email statements | Yes | No | Yes | Yes | Yes |
Loyalty | Yes | Yes | No | No | Yes |
Good student | Yes | Yes | Yes | Yes | Yes |
Student at college | Yes | Yes | No | Yes | Yes |
Own a home | Yes | No | No | No | Yes |
Seat belt usage | No | No | Yes | No | No |
Online quote | Yes | No | No | No | No |
Teenage driver | Yes | No | No | No | No |
Federal employee | No | No | Yes | No | No |
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The chart below illustrates the difference between auto insurance costs with and without policy discounts. The price estimates are based on a male driver, no claims or driving citations, Georgia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, vehicle safety, multiple policy, claim-free, and safe-driver discounts applied. When discounts are factored in, the the average amount saved on car insurance for Lyft drivers is 16% or $126.
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Choosing the highest-rated auto insurance provider is difficult considering how many choices you have in Georgia. The ranking information in the lists below can help you decide which providers you want to consider when comparing rate quotes. The rankings below only include companies with a national presence, so companies that have a smaller presence are not included in this list.
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
Here are some of the better money-saving ideas that can help Georgia drivers buy low-cost car insurance.
The last tip is highly significant, as was pointed out in the article above. Insurance prices adjust often, so don’t be afraid to switch carriers if a more affordable price is available.
Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty ends up costing a wad of cash every year. Take a couple minutes and compare rates and find cheaper car insurance for Lyft drivers.