Sandy Springs, GA Car Insurance

Find ways to save money on auto insurance in Sandy Springs, Georgia.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

What's the average car insurance rate in Sandy Springs?

 

The average cost of car insurance in Sandy Springs, Georgia, is $1,792 each year. That's pricier than the average in Georgia ($1,609) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Sandy Springs.

 
SANDY SPRINGS AUTO INSURANCE PREMIUMS
Sandy Springs Average (per year)Georgia AverageNational Average
$1,792$1,609$1,548
 
Jump to:

 

Sandy Springs car insurance costs by provider

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, Georgia Farm Bureau provides Sandy Springs's cheapest rates. We've gathered the best cheap car insurance companies in Sandy Springs below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
SANDY SPRINGS CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Annual Rate
Georgia Farm Bureau$1,009
USAA$1,423
State Farm$1,640
GEICO$1,776
Progressive$2,239
 

Consult our expert guide to finding the best cheap car insurance.

 

Sandy Springs auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Sandy Springs are drivers in their 50s, who pay an average of $1,575 per year. Those in their 60s don't pay much more ($1,640).

Young drivers aged 16 to 19 pay the most for car insurance in Sandy Springs. When Sandy Springs drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Sandy Springs is $5,102, the largest such difference between any two age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN SANDY SPRINGS
Age groupAverage Annual Rate
Teenagers$7,593
20s$2,492
30s$1,776
40s$1,698
50s$1,575
60s$1,640
70s$2,105
 

Learn more about the impact of age on auto insurance rates.

 

Sandy Springs car insurance premiums by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Sandy Springs pay $211 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Sandy Springs, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Sandy Springs, female drivers pay $4 per year more than do male drivers for car insurance.

 
SANDY SPRINGS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,796
Male$1,792
Single$1,582
Married$1,582
Divorced$1,792
Widowed$1,684
 

Learn more about how gender and marital status have on car insurance rates.

 

Sandy Springs car insurance premiums by accident and citation history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Sandy Springs drivers found guilty of reckless driving face insurance rate increases of $962 per year, compared to the citywide average. A DUI violation may lead to a $1,366 increase, while a citation for speeding leads to a $466 rate hike.

 
SANDY SPRINGS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Yearly Rate
DUI/DWI$3,158
Reckless Driving$2,754
At-fault Accident (damages < $1,000)$2,580
At-fault Accident (damages greater than $2,000)$2,873
Speeding Ticket (16-20 mph over speed limit)$2,258
 

Learn more about citations' impact on your auto insurance rates.

 

Sandy Springs auto insurance rates by credit tier

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Sandy Springs drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 52% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Sandy Springs, improving your credit to "Fair" could help you earn a $1,113 decrease in annual car insurance rates.

 
SANDY SPRINGS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$3,152
Fair$2,039
Good$1,792
Very Good$1,685
Exceptional$1,525
 

Get additional information on how credit impacts car insurance costs.

 

Compare car insurance quotes side-by-side!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.