One of the more important things that are looked at to determine auto insurance rates is where you normally keep your vehicle. Cities with more crime and/or more people like East Point, North Atlanta, and Dunwoody tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The next table shows the highest-priced places in Georgia for veterans in which to purchase auto insurance.
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Rate information is estimated as the specific area where the vehicle is garaged can impact rates significantly.
Locating cheap auto insurance is not always easy, and finding out which companies have the best auto insurance rates for veterans in Georgia involves even more perseverance. Each auto insurer has their own unique process for determining rates in each state, so let's begin by taking a look at the auto insurance companies with the overall best prices in Georgia.
Lowest Insurance Price Quotes for Vets
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,312|
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Auto-Owners generally has some of the most affordable car insurance rates in Georgia at around $855 a year. This is $674 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the most economical Georgia insurance companies.
As the example above demonstrates, if you buy coverage from Central Mutual and switched to The Hartford, you may realize yearly savings of in the vicinity of $244. Customers with MetLife might save as much as $325 a year, and Georgia Farm Bureau insureds might reduce prices by as much as $399 a year.
To see how much you can save, click here to start a quote or visit any of the low-priced companies below.
Be aware that those rates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a rate discount for veterans. So the insurer that has the cheapest price for you may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver data and vehicle information.
The vehicle model needing coverage is one of the largest factors in finding the most economical auto insurance for veterans. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than more modest models. The information below showcases insurance rates for a number of the cheaper automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,193|
|Hyundai Elantra GLS Touring Station Wagon||$1,198|
|Honda Accord LX-P 4-Dr Sedan||$1,231|
|Ford Escape Limited 2WD||$1,264|
|Toyota Tacoma Double Cab 4WD||$1,292|
|Honda Civic LX-S 4-Dr Sedan||$1,337|
|Ford F-150 STX Regular Cab 2WD||$1,354|
|Ford Focus SE 4-Dr Sedan||$1,384|
|Chevrolet Impala LS||$1,393|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,387|
|Chevrolet Equinox LTZ AWD||$1,395|
|Dodge Grand Caravan SE||$1,387|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,398|
|Volkswagen Jetta S 4-Dr Sedan||$1,412|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,417|
|Jeep Grand Cherokee Laredo 2WD||$1,412|
|Toyota RAV4 Limited 4WD||$1,455|
|Chevrolet Malibu Hybrid||$1,460|
|Ford Explorer Eddie Bauer AWD||$1,488|
|Toyota Camry XLE||$1,490|
|Toyota Corolla S||$1,495|
|Nissan Rogue SL 2WD||$1,514|
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in your specific Georgia location which can increase or decrease premium rates greatly.
Looking at the numbers, we can conclude that cars like the Honda CR-V, Hyundai Elantra, Honda Accord, and Ford Escape are a few of the cheaper vehicles to insure for veterans.
Auto insurance rates are higher with tickets and accidents
The ideal way to find good auto insurance rates for veterans is to drive attentively and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and fender-benders can drive up car insurance rates for each different age category. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of auto insurance per year with no violations or accidents is $1,577. Receive two speeding tickets and the average cost swells to $2,172, an increase of $595 each year. Next add one accident along with the two speeding tickets and the 12-month cost of auto insurance for veterans in Georgia increases to an average of $2,768. That's an increase of $1,191, or $99 per month, just for not keeping your driving record clean!
Get discounts on Georgia auto insurance rates
Insurers that offer quotes for veterans may also give you rate discounts that can lower rates by 35% or more if you are eligible to receive them. A list of auto insurance companies and some of their more popular discounts are outlined below.
- GEICO includes discounts for good student, driver training, membership and employees, anti-theft, multi-policy, and federal employee.
- Travelers has discounts for hybrid/electric vehicle, multi-car, payment discounts, home ownership, student away at school, continuous insurance, and save driver.
- Nationwide may include discounts for easy pay, good student, family plan, defensive driving, Farm Bureau membership, and multi-policy.
- Farmers Insurance may offer discounts for distant student, pay in full, business and professional, homeowner, and teen driver.
- Esurance offers discounts including safety device, Pac-12 alumni, renters, anti-theft, anti-lock brakes, multi-policy, and multi-car.
- State Farm offers premium reductions for good student, Steer Clear safe driver discount, multiple autos, driver's education, and student away at school.
- Progressive has savings for multi-policy, continuous coverage, online signing, online quote discount, good student, and homeowner.
- Mercury Insurance offers discounts for age of vehicle, accident-free, good driver, multi-policy, professional/association, and low natural disaster claims.
The diagram below compares insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, multiple vehicle, passive restraint, accident-free, claim-free, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for veterans is 28% or $589.
How to find a good Georgia auto insurance company
Selecting the top auto insurance company is difficult considering how many companies provide coverage in Georgia. The company information in the next section may help you choose which providers you want to consider comparing prices from. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Georgia business are not included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
How to find more affordable insurance for veterans
It's not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help Georgia drivers find cheaper coverage.
- Save money by bundling your home and auto policies
- Earn a discount by not filing claims
- Be a safe driver
- Avoid accidents
- Pay cheaper rates with good credit scores
- Raise deductibles
- Look for cheaper rates once a year by shopping around
The last tip in the list is remarkably crucial, as we emphasized in this article. Car insurance rates change a lot, so drivers shouldn't be reluctant to switch to a new company if a better rate can be found. We understand brand loyalty, but it isn't a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. If you have a few minutes, shop around to find cheaper insurance for veterans.