Wouldn't it be great if we could tell you instantly the exact company that has the lowest car insurance rates for hybrid vehicles? That is not the case, however, as there are a whole bunch of unknown elements like what level of deductibles you need, whether you just need liability insurance, and if you have a tendency to get into accidents. This article covers the best ways to avoid high prices and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

One of the more important components that help determine the price you pay for insurance is where your residence is. Regions with more people or even just more weather-related claims like East Point, North Atlanta, and Smyrna tend to pay slightly more, whereas areas that tend to be more rural benefit from lower prices.

The table below shows the most expensive places in Georgia for hybrid vehicles to purchase auto insurance in.

Most expensive Georgia cities for auto insurance
Rank City Annual Premium
1 East Point $1,480
2 Atlanta $1,363
3 North Atlanta $1,349
4 Alpharetta $1,284
5 Smyrna $1,280
6 Marietta $1,279
7 Dunwoody $1,268
8 Mableton $1,267
9 Sandy Springs $1,242
10 Macon $1,241
11 Roswell $1,222
12 Columbus $1,219
13 Rome $1,218
14 Savannah $1,191
15 Gainesville $1,184
16 Augusta $1,173
17 Warner Robins $1,161
18 Peachtree City $1,156
19 Albany $1,154
20 Martinez $1,152
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Rate information is estimated as specific location information can impact insurance rates considerably.

The vehicle model you are trying to insure is a significant factor when comparing quotes for cheaper coverage for hybrid vehicles. Vehicles with more horsepower, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models. The next list estimates auto insurance rates for a handful of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure for Hybrid Vehicles in Georgia
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,102
Toyota Prius $1,191
Honda Accord EX 4-Dr Sedan $1,233
Ford Edge SEL AWD $1,248
Toyota RAV4 Sport 2WD $1,274
Honda CR-V LX 4WD $1,321
Toyota Camry XLE $1,339
Kia Optima LX $1,365
Chevrolet Silverado LT Regular Cab $1,370
Jeep Wrangler Sahara 4WD 2-Dr $1,384
Dodge Ram Crew Cab ST 4WD $1,389
Ford F-150 XL Super Cab 2WD $1,448
Chevrolet Malibu LS $1,459
Ford Explorer Eddie Bauer 2WD $1,478
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,484
Dodge Grand Caravan CV $1,478
Toyota Tacoma 2WD $1,530
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rates do not factor in your specific Georgia location which can increase or decrease premiums substantially.

Based upon these rates, you can see that cars like the Ford Escape, Toyota Prius, Honda Accord, and Ford Edge are most likely going to be the cheaper vehicles to insure for hybrids.

Trying to buy cost effective insurance is not the easiest thing to accomplish, and figuring out which company has the most affordable insurance rates for hybrid vehicles in Georgia calls for even more work. Every insurance company uses a different method for establishing rates, so first let's look at the rankings for the overall cheapest insurance companies in Georgia.

It's a good idea to be aware that Georgia insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. Simply turning a year older, moving across town, or getting a driving violation can produce rate changes resulting in some companies being way too expensive in comparison to the competition.

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Cheapest insurance companies in Georgia
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $895
3 USAA $978
4 Central Mutual $1,193
5 Georgia Farm Bureau $1,260
6 MetLife $1,264
7 Travelers $1,279
8 Safeco $1,355
9 Mercury $1,369
10 Country $1,377
11 State Farm $1,404
12 Allied $1,424
13 California Casualty $1,561
14 Encompass $1,689
15 Progressive $1,738
16 Nationwide $1,827
17 Liberty Mutual $2,044
18 Allstate $2,202
19 GEICO $2,231
20 Victoria $2,509
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Auto-Owners normally has some of the best car insurance rates in Georgia at around $855 a year. This is $674 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also qualify as some of the best Georgia insurance companies.

In the above example, if you buy coverage from Central Mutual and switched to The Hartford, you could earn a yearly price reduction of about $298. Georgia drivers with Georgia Farm Bureau may save as much as $365 a year, and MetLife customers might reduce rates by $369 a year.

To see if you're overpaying, click here to begin a quote or visit several of the following companies.

Understand that those rates are averaged for all drivers and vehicles in Georgia and and are not calculated with a price decrease for hybrid vehicles. So the company that is best suited for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own personal information and vehicle type.

Types of discounts on Georgia auto insurance

Insurers that offer cheap quotes for hybrid vehicles may also give you discounts that can reduce rates by as much as 40% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts can be read below.

The information below illustrates the comparison of auto insurance rates with and without discounts applied to the rates. The rates are based on 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 premium with no discounts. The second bar shows the rates with safe-driver, marriage, multiple policy, claim-free, homeowner, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for hybrid vehicles is 28% or $729.

Impact of citations and accidents on insurance rates

One of the best ways to score the most affordable insurance premiums for hybrids is to be a safe driver and have a clean driving record. The diagram below highlights how traffic violations and accident claims can raise car insurance rates for each age group. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

In the prior example, the average cost of auto insurance in Georgia per year with a clean driving record and no accidents is $1,265. Get written up for one speeding ticket and the average cost increases to $1,478, an increase of $213 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for hybrid vehicles in Georgia jumps again to an average of $3,474. That's an increase of $2,209, or $184 per month, just for a couple of infractions!

Why are you paying too much for Georgia car insurance?

Georgia insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Getting older, moving to a new city, or getting caught speeding can cause premium changes that can make some companies more affordable than others.

In addition to those changes, insurance companies amend premium rates every year in order to offset underwriting gains or losses. Heavier than normal losses may cause additional premium costs, while a better claims history can result in cheaper Georgia car insurance rates.

The bar chart below shows which company has the cheapest car insurance in Georgia for a 40-year-old female driver with a clear driving record, no claims, and a good credit rating. If we estimate prices based on her current rating profile, Auto-Owners might offer the most affordable car insurance rates in Georgia at $830 per year. This is $699 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the cheapest Georgia auto insurance companies.

The example below compares rates after we give the driver in the first example a claim surcharge, a lower credit rating, and a few blemishes on her driving record. Since each insurance company uses a different method to establish rates, comparing rates may now show a different list of affordable Georgia car insurance companies as shown below.

The Hartford now has the lowest car insurance rate in Georgia with Travelers, State Farm, Country, and Safeco now being in the top five. This shows why it is critical to compare lots of rates when trying to get the best insurance quotes for hybrid vehicles.

Insurance rates are influenced by many different factors and can change without notice, so the most economical company the last time you compared rates may now be wasting a lot of money.

Ideas to find more affordable car insurance for hybrid vehicles in Georgia

The list below details a few penny-pinching ideas that can help Georgia drivers buy low-cost car insurance.

The final tip is very important, as was stressed in this piece. Prices can change considerably in a year, so drivers shouldn't be reluctant to buy a policy from a new company if a better deal can be had. Many drivers tend to have loyalty to a certain company, but it's not a great idea if that loyalty results in overpaying a small fortune. It only take a few minutes to shop around and find cheaper car insurance for hybrid vehicles.