Car Insurance with Bad Credit in Georgia

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance with a poor credit rating. Car insurance companies rely on credit score as a primary rating factor, setting prices based in part on clients' credit scores. Because auto insurance companies rely on data that show those with bad credit histories are more likely to file car insurance claims, they compensate for that extra risk by assigning expensive rates.

How much you pay for car insurance with bad credit depends on where you live, which insurance company you use, and a variety of other factors. See on this page average car insurance prices for drivers with bad credit in major Georgia cities, along with rates from large car insurance companies, , along with tips on saving on auto insurance with bad credit in Georgia.


Auto insurance for drivers with bad credit in Georgia:

  1. Average rates
  2. Prices by city
  3. Rates by company

Auto insurance rates with bad credit in Georgia

Drivers in Georgia pay an average penalty of $1,136 per year for having a credit score in the “worst” tier. A driver in either the “poor” or “below fair to poor” credit tier will also face higher-than-average rates.


GEORGIA AUTO INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Georgia
Worst$2,523
Poor$2,288
Below Fair to Poor$2,073
Average — All Credit Tiers$1,388

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Car insurance rates with a bad credit score in Georgia cities

Car insurance prices will also vary depending on the specific area where you park your car. Insurers use your ZIP code to estimate your odds of filing a claim: the denser your area,, the more expensive rates you’ll pay.

See below major Georgia cities and their mean auto insurance costs for drivers with bad credit.


BAD CREDIT CAR INSURANCE RATES IN GEORGIA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Atlanta$2,897$2,634$2,390
Columbus$2,579$2,337$2,123
Savannah$2,567$2,332$2,108
Sandy Springs$2,647$2,411$2,186
Macon$2,680$2,432$2,208

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Car insurance companies for bad credit in Georgia

Another contributing factor to car insurance rates is the insurer you choose. Every auto insurance company prices policies differently, giving rating factors varying weights in their pricing calculations. Credit score can be a major differentiator in price between insurance companies. In Georgia, the cheapest insurance company for a driver with a bad credit score is Georgia Farm Bureau, which offers a premium cut of $990 per annum over the second-most affordable company, USAA.

See premiums from popular auto insurance companies in Georgia for drivers with bad credit.


GEORGIA CAR INSURANCE PREMIUMS WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit
Georgia Farm Bureau$985
USAA$1,975
GEICO$2,175
Allstate$2,952
State Farm$3,381

If you're buying auto insurance with bad credit, consider these tips:

  1. View auto insurance quotes
  2. Know when — and when not — to file your claims
  3. Know what determines auto insurance rates

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