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

The words “economical” and “insurance” really don’t belong together, especially when looking for the cheapest coverage for inexperienced drivers. To help control this cost, let’s start off by going over some of the factors that have an effect on auto insurance premiums, and see if we can help you slash the price of your next policy.

One of the more important things that establish insurance cost is where your car is garaged in Georgia. Urban areas that are densely populated like East Point, North Atlanta, and Alpharetta are more likely to pay higher prices, whereas less populated areas receive better rates.

The illustration below illustrates the highest-priced places in Georgia for inexperienced drivers in which to buy car insurance.

Prices are approximated as specific Georgia garaging address can affect auto insurance rates considerably.

Determining which company quotes the most affordable car insurance rates for inexperienced drivers will take a bit more effort than just comparing a company or two.

Each auto insurance company has a different process to establish rates, so let’s take a look at the car insurance companies that tend to have lower prices in Georgia. It’s a good idea to know that Georgia car insurance rates are based on many factors that control the cost of coverage. Improving your credit score, marrying your spouse, or getting a reckless driving citation can trigger price changes that can cause some rates to be much cheaper than others.

Lowest Insurance Price Quotes for Newbies

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google.charts.setOnLoadCallback(drawGAT5qcibChart);function drawGAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Auto-Owners’, 839, ‘#F07050’], [‘The Hartford’, 895, ‘#C85D42’], [‘USAA’, 968, ‘#A64D37’], [‘Central Mutual’, 1193, ‘#8A402D’], [‘MetLife’, 1238, ‘#733525’]]);var options = {title: ‘Most Affordable Car Insurance Companies in Georgia’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1338,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Auto-Owners has some of the most affordable car insurance rates in Georgia at around $839 each year. The Hartford, USAA, Central Mutual, and MetLife also are some of the cheapest Georgia insurance companies.

As depicted above, if you currently have a policy with Central Mutual and switched to The Hartford, you could realize a yearly price reduction of in the neighborhood of $298. Insureds with MetLife could save as much as $343 a year, and Georgia Farm Bureau policyholders might lower prices by up to $365 a year.

Be aware that those premium estimates are averages for all drivers and vehicles in Georgia and do not factor in a rate discount for inexperienced drivers. So the car insurance company that is most affordable for your situation may not even be featured in the company chart above. That illustrates why you need to get quotes using your own driver information and specific vehicle type.

The chart below highlights how deductible choice can change insurance prices when researching cheap insurance for inexperienced drivers. The data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3139,2889,2611,2349],[‘Age 30’, 2183,1999,1789,1585],[‘Age 40’, 2023,1855,1667,1485],[‘Age 50’, 1769,1623,1457,1297],[‘Age 60’, 1709,1569,1407,1255],[‘Age 70’, 1987,1827,1651,1483]]);var options = {title: ‘Comparison of Deductible Levels and Auto Insurance Prices in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 40-year-old driver could save $312 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $472 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save $790 annually by selecting a higher deductible.

If you do raise deductibles, it will be required to have enough spare savings to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.

Get discount Georgia car insurance

Insurance providers that offer cheap insurance for inexperienced drivers in Georgia may also provide policy discounts that could potentially reduce rates by as much as 40% or more if you meet the requirements. Companies and a summarized list of policyholder discounts are included below.

The diagram below shows the difference between premium costs with and without discounts applied to the policy rates. Data assumes a female driver, no accidents, no driving violations, Georgia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, multiple vehicle, defensive driving course, passive restraint, marriage, and anti-theft discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for inexperienced drivers is 13% or $245.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3503,2513],[‘Age 30’, 2371,1713],[‘Age 40’, 2213,1597],[‘Age 50’, 1933,1395],[‘Age 60’, 1873,1351],[‘Age 70’, 2207,1589]]);var options = {title: ‘Insurance Rate Comparison for Inexperienced Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Which major car insurance company is best?

When shopping around for auto insurance for new drivers in Georgia, four companies to take a look at are Geico, State Farm, Allstate, and Progressive. When added together, they make up over 48% of all car insurance policies written. The table below rates ratings for price, service, and claims, in additional to some of the optional coverages that may be available in your state.