Who Has Cheap Auto Insurance for Uber Drivers in Georgia?

Who Has Cheap Auto Insurance for Uber Drivers in Georgia?

For Georgia drivers, one of the things that influence the price of your policy is where your residence is. Regions with more people or even just more weather-related claims like East Point, North Atlanta, and Roswell are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The following table displays the most costly cities in Georgia for Uber drivers to purchase car insurance in.

Car insurance prices in Georgia
Rank City Annual Premium
1 East Point $1,450
2 Atlanta $1,363
3 North Atlanta $1,310
4 Macon $1,291
5 Roswell $1,272
6 Dunwoody $1,268
7 Mableton $1,267
8 Alpharetta $1,246
9 Smyrna $1,242
10 Marietta $1,241
11 Sandy Springs $1,230
12 Savannah $1,227
13 Gainesville $1,220
14 Columbus $1,219
15 Rome $1,218
16 Augusta $1,185
17 Peachtree City $1,168
18 Martinez $1,164
19 Warner Robins $1,161
20 Hinesville $1,145
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Information shown are comparative as the specific Georgia residence address can influence rates significantly.

Finding good, cost effective car insurance is confusing at best, and finding out which insurers offer the cheapest insurance rates for Uber drivers will involve even more work. Every insurance company has a proprietary formula for establishing rates, so first we will examine the most competitive insurance companies in Georgia.

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Rankings for the cheapest car insurance companies in Georgia
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $895
3 USAA $1,008
4 Central Mutual $1,193
5 Georgia Farm Bureau $1,260
6 MetLife $1,276
7 Travelers $1,292
8 Safeco $1,369
9 Mercury $1,369
10 Country $1,419
11 Allied $1,424
12 State Farm $1,446
13 California Casualty $1,561
14 Encompass $1,673
15 Progressive $1,721
16 Nationwide $1,901
17 Liberty Mutual $2,064
18 Allstate $2,202
19 GEICO $2,209
20 Victoria $2,585
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Auto-Owners quotes some of the most affordable car insurance rates in Georgia at around $855 annually. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also rank well as some of the cheapest Georgia car insurance companies.

As depicted above, if you are currently insured with Georgia Farm Bureau and switched to The Hartford, you could see a yearly price reduction of roughly $365. Customers with MetLife may save as much as $381 a year, and Travelers policyholders might lower prices by up to $397 a year.

Bear in mind that those premium estimates are averages across all drivers and vehicles in Georgia and are not factoring in a price decrease for Uber drivers. So the insurer that fits your needs best may not even be included in the chart above. That’s why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

The safety and performance level of the vehicle driven is a large consideration when trying to find cheap car insurance for Uber drivers in Georgia. Vehicles with high performance features, poor safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models.

The data below features coverage costs for a number of the most budget-friendly vehicles to insure in Georgia.

Car Insurance Rates for Popular Cars in Georgia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,396 $698 $116
Ford Focus SES 2-Dr Coupe $1,558 $779 $130
Honda Civic EX-L 2-Dr Coupe $1,716 $858 $143
Hyundai Elantra SE 4-Dr Sedan $1,468 $734 $122
Hyundai Sonata Limited 4-Dr Sedan $1,594 $797 $133
Kia Optima EX $1,594 $797 $133
Nissan Altima 2.5 4-Dr Sedan $1,396 $698 $116
Toyota Camry SE $1,468 $734 $122
Volkswagen Jetta S 4-Dr Sedan $1,396 $698 $116
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in garaging location in Georgia which can change premium rates greatly.

Car Insurance Rates for Popular SUVs and Crossovers in Georgia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX 2WD $1,292 $646 $108
Chevrolet Traverse LS AWD $1,254 $627 $105
Ford Escape XLT 4WD $1,218 $609 $102
Ford Expedition XLT 4WD $1,328 $664 $111
Ford Explorer Eddie Bauer AWD $1,432 $716 $119
GMC Acadia SL AWD $1,322 $661 $110
Honda CR-V EX 4WD $1,218 $609 $102
Honda Pilot EX-L 4WD $1,432 $716 $119
Hyundai Tucson GLS 4WD $1,322 $661 $110
Jeep Grand Cherokee Limited 4WD $1,504 $752 $125
Jeep Wrangler Sahara 4WD 2-Dr $1,322 $661 $110
Lexus RX 350 4WD $1,704 $852 $142
Nissan Pathfinder SE 4WD $1,322 $661 $110
Toyota Highlander Hybrid 4WD $1,540 $770 $128
Toyota RAV4 4WD $1,396 $698 $116
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in vehicle garaging location which can alter price quotes considerably.

Insurance Rates for Popular Pickup Trucks in Georgia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 4WD $1,182 $591 $99
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,504 $752 $125
Chevrolet Silverado LTZ Extended Cab 4WD $1,504 $752 $125
Dodge Ram 2500 Crew Cab ST 2WD $1,594 $797 $133
Dodge Ram Quad Cab SLT 2WD $1,522 $761 $127
Ford F-150 Lariat Crew Cab Harley 2WD $1,504 $752 $125
Ford F-250 XL Super Cab 2WD $1,594 $797 $133
GMC Sierra Denali Crew Cab 4WD $1,614 $807 $135
Toyota Tacoma Double Cab 4WD $1,432 $716 $119
Toyota Tundra Double Cab 4WD $1,522 $761 $127
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in your specific Georgia location which can affect rates substantially.

Which insurance company is best in Georgia?

Buying coverage from the best insurance company can be challenging considering how many companies there are to choose from in Georgia. The company ratings in the lists below could help you decide which car insurance providers to look at comparing price quotes from.

The ratings below include companies that write coverage in many states, so companies that may only write in Georgia are not taken into consideration for these rankings. If you’d like to compare prices from many more Georgia auto insurance companies, simply click here.

Georgia 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
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

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

When it comes to buying car insurance for Uber vehicles in Georgia, four companies you’ll want quotes from are State Farm, Progressive, Geico, and Allstate. The table below illustrates ratings and policy coverage options shoppers can find with each company.

Auto Insurance Company Comparison
State Farm Progressive Geico Allstate
Price Ranking 2nd 3rd 1st 4th
Claims Service 2nd 4th 3rd 1st
Number of Discounts 3rd 4th 2nd 1st
Customer Satisfaction 4th 3rd 1st 2nd
Amount of market share 18.3% 8.8% 11.4% 10%
New car replacement insurance No No No Yes
Coverage for ridesharing Yes Yes Yes Yes
Roadside service Yes Yes Yes Yes
Usage-based insurance Yes Yes No Yes
Breakdown insurance No Yes Yes No
Accident forgiveness coverage No Yes Yes Yes
Types of agents used State Farm-only agents Online or from independent agents Online or through a Geico agent Can only buy from Allstate agents
Number of agents 18,000+ 30,000+ 150+ 11,000+
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