Car Insurance for Good Drivers in Georgia

The Zebra
July 15, 2019

Car insurance for good drivers in Georgia

Some of the factors contributing to car insurance rates are out of your control, including your age, location, and gender. There are, however, a few factors you can more easily alter in pursuit of lower rates.

To ensure you keep your car insurance cheap, try to keep your driving record cleaen, your credit score solid, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who present little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

Looking for car insurance as a low-risk driver in Georgia? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in Georgia

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Auto insurance companies see good drivers as less risky customers and assign them more affordable rates. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you're citation-free, start your search for insurance with Georgia Farm Bureau, with average annual premiums totaling $1,328. That totals $731less than the average car insurance rate for drivers without citations in Georgia.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN GEORGIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Georgia Farm Bureau$1,328
Allied$1,410
USAA$1,460
Country$1,718
State Farm$1,743
Metropolitan$1,794
Nationwide$1,947
Allstate$1,950

Auto insurance rates for drivers with above-average credit in Georgia

Car insurance companies reward drivers who maintain above-average credit. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is between 670 and 739, your best auto insurance option in Georgia could be Georgia Farm Bureau, providing an average rate of $1,328. If your credit score is in the “excellent” range, Allied could be the best option. Allied's prices for drivers who have credit scores of 800 and up are $102 per year less than the typical car insurance rate for drivers with exceptional credit in Georgia.

Find below a breakdown of auto insurance rates in Georgia for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN GEORGIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Georgia Farm Bureau$1,328
Allied$1,410
USAA$1,460
Country$1,718
State Farm$1,743
Metropolitan$1,794
Nationwide$1,947
Allstate$1,950

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN GEORGIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Georgia Farm Bureau$1,328
Allied$1,332
USAA$1,382
State Farm$1,562
Metropolitan$1,583
Country$1,670
Central Mutual Insurance Co$1,763
Progressive$1,852

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN GEORGIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$1,247
USAA$1,278
Metropolitan$1,312
Georgia Farm Bureau$1,328
State Farm$1,400
Central Mutual Insurance Co$1,627
Country$1,631
Progressive$1,647

Compare rates from top companies!

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Car insurance for occasional drivers in Georgia

If you drive infrequently, you're less likely to file an auto insurance claim. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Georgia driver who drives less than 7,500 miles per year, consider USAA, offering average annual savings of $859 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN GEORGIA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,200
Georgia Farm Bureau$1,328
Allied$1,410
Allstate$1,679
Country$1,718
State Farm$1,743
Metropolitan$1,794
Nationwide$1,935

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Car insurance rates for good drivers in Georgia — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Columbus$2,007$2,007$1,830$1,597$1,914
Savannah$2,072$2,072$1,889$1,646$1,991
Macon$2,120$2,120$1,936$1,685$2,049
Sandy Springs$2,124$2,124$1,943$1,689$2,006
Atlanta$2,372$2,372$2,164$1,882$2,261

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