Who Has Cheap Car Insurance for 18 Year Olds in Georgia?

Wouldn’t life be great if you could just know the one perfect company that has the cheapest car insurance rates for 18 year olds? Unfortunately, it’s just not that easy, as there are a lot of unknown aspects such as whether you are single or married, whether or not you have had gaps between policies, where your residence is in Georgia, and deductible levels for physical damage coverage, that all go into determining the rate you pay. If you keep reading, we will teach you about the types of things that cause high car insurance rates and also should give you a good beginning to your quest for cheaper car insurance in Georgia.

The type of vehicle that needs insurance is one of the biggest factors that determines whether or not you can buy cheap car insurance for 18 year olds in Georgia. Vehicles with higher performance, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The next tables illustrates insurance rates for a handful of the most cost-effective vehicles to buy coverage for.

Data based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can influence insurance rates considerably.

Prices above based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can alter coverage rates substantially.

Above prices assume single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific Georgia garaging location which can influence rates greatly.

Comparing quotes for cheap auto insurance is not the easiest thing to do, and figuring out which companies quote the cheapest insurance rates for 18 year olds will involve even more diligence. Rates could be quite a bit pricier than the average price in Georgia, with the increase attributed to the posibility of more claims related to offering insurance for teen drivers, but competitively-priced insurance may be possible if you find the right company.

Each company has a different formula for determining rates in each state, so we need to take a look at the insurance companies that tend to have lower prices in Georgia. Keep in mind that Georgia insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Things like getting older, buying a home, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be more affordable than competitors.

Best Insurance Companies for Teens

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Auto-Owners may offer some of the lowest car insurance rates in Georgia at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the cheapest Georgia car insurance companies.

In the above example, if you buy coverage from Central Mutual and switched to The Hartford, you could earn an annual premium reduction of in the vicinity of $247. Georgia drivers with MetLife might save as much as $342 a year, and Georgia Farm Bureau insureds might lower prices by up to $351 a year.

Bear in mind that those rates are averages across all insureds and vehicles and and are not figured with a rate increase for 18 year olds. So the car insurance company that has the cheapest rates for you may not even be included in the company chart above. That illustrates why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Get discount Georgia car insurance rates

Insurance companies that sell cheap car insurance for 18 year olds in Georgia may also give you policy discounts that may potentially lower prices by 35% or more if you are eligible. Popular insurance companies and a summarized list of policyholder discounts are shown below.

The chart below visualizes the comparison of premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Georgia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, good student, passive restraint, continuous coverage, paid-in-full, and paperless filing discounts applied. When these discounts are applied, the the average amount saved on insurance for 18 year olds is % or $.

Which major car insurance company is best?

When shopping around for auto insurance for teen drivers in Georgia, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. They all have slightly different coverage options that may affect your buying decision. The next table compares pricing and service ratings, as well as optional policy coverages you can expect with each one.

How to find economical car insurance for 18 year olds

Below you’ll find many money-saving suggestions that can help Georgia drivers buy the cheapest coverage.

• Higher deductibles mean lower rates
• Claim-free drivers earn discounts
• Higher credit scores can equal lower rates
• Buy a safer vehicle
• Home or renters coverage can save on auto insurance
• Save money by insuring older vehicles for liability only
• Look for cheaper rates once a year by shopping around

The last item on the list is incredibly important, as we noted in this write-up. Coverage rates in Georgia change constantly, so drivers shouldn’t be resistant to switch carriers if a better rate can be found. Brand loyalty is not necessarily bad, but it isn’t a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. It only takes a couple minutes to compare rates to find cheaper car insurance for 18 year olds.