For teachers and educators, one of the largest components that are looked at to determine car insurance rates is the neighborhood you call home. Regions with more people or even just more weather-related claims like East Point, North Atlanta, and Mableton tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the luxury of lower rates.

The information below sorts the highest-priced places in Georgia for teachers in which to buy car insurance.

How much does car insurance cost in Georgia?
Rank City Annual Premium
1 East Point $1,494
2 Atlanta $1,377
3 North Atlanta $1,336
4 Dunwoody $1,307
5 Mableton $1,293
6 Marietta $1,279
7 Alpharetta $1,272
8 Columbus $1,243
9 Sandy Springs $1,242
10 Smyrna $1,242
11 Macon $1,241
12 Roswell $1,235
13 Savannah $1,227
14 Gainesville $1,196
15 Peachtree City $1,192
16 Augusta $1,185
17 Rome $1,182
18 Warner Robins $1,149
19 Hinesville $1,145
20 Athens $1,124
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Premium costs are approximated as specific location information can lower or raise price quotes significantly.

Trying to buy cheap car insurance is not always easy, and figuring out which company has the best auto insurance rates for teachers in Georgia takes a little more work. Rates may be a little bit cheaper than the state average because of the lower risk that comes with offering coverage for teachers and educators. Competitively-priced coverage should be readily available with minimal effort. Each auto insurance company uses a different method for setting prices, so we'll take a look at the overall cheapest auto insurance companies in Georgia.

Best Cheap Insurance Rates for Educators

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Cheapest Georgia auto insurance companies
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $886
3 USAA $1,008
4 Central Mutual $1,169
5 MetLife $1,226
6 Georgia Farm Bureau $1,299
7 Travelers $1,331
8 Safeco $1,369
9 Country $1,391
10 Mercury $1,411
11 Allied $1,424
12 State Farm $1,446
13 California Casualty $1,577
14 Encompass $1,673
15 Progressive $1,721
16 Nationwide $1,901
17 Liberty Mutual $1,984
18 Allstate $2,180
19 GEICO $2,231
20 Victoria $2,559
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Auto-Owners has some of the cheapest car insurance rates in Georgia at around $855 each year. The Hartford, USAA, Central Mutual, and MetLife are also some of the cheapest Georgia car insurance companies.

In this example, if you are insured with The Hartford and switched to Auto-Owners, you may see savings of approximately $31. Georgia drivers with USAA may save as much as $153 a year, and Central Mutual customers might lower prices by up to $314 a year.

To see if you're overpaying, click here to start your custom quote or click through to the companies below.

Understand that those premiums are averaged for all drivers and vehicles in Georgia and and are not figured with a rate discount for teachers. So the insurer that has the lowest price for you may not even be in the list above. That is why you need to compare rates from multiple companies using your own driver data and vehicle information.

Best auto insurance company in Georgia

Finding a good quality auto insurance company can be rather challenging considering how many choices you have in Georgia. The rank data in the next section can help you decide which car insurance companies you want to consider comparing rates with. The ratings below are for companies who write in the majority of U.S. states, so companies that have a smaller presence are not included in this list.

Best 15 Auto Insurance Companies for Teachers in Georgia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

Auto insurance rates are higher with tickets and accidents

The easiest method to maintain the best auto insurance premiums for teachers and educators is to be a cautious driver and not receive tickets or have accidents. The illustration below illustrates how violations and at-fault collisions can raise insurance costs for different age groups of insureds. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.

In the chart above, the average cost of an auto insurance policy in Georgia per year with no accidents and a clean driving record is $1,705. Get written up for two speeding tickets and the average cost hikes up to $2,414, an increase of $709 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for teachers in Georgia jumps again to an average of $3,140. That's an increase of $1,435, or $120 per month, just for being a less-than-perfect driver!

Get discounts on Georgia car insurance rates

Insurers that offer quotes for teachers may have price discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. A list of auto insurance companies and a selection of discounts are:

The chart below shows the comparison of auto insurance costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple vehicle, passive restraint, defensive driving course, and marriage discounts applied. In this example, the average savings per year on auto insurance for teachers is 28% or $596.

Why you are probably overpaying for car insurance

Georgia auto insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Improving your credit rating, buying a different home, or getting a driving violation can trigger price changes resulting in some companies being more affordable than the competition. Not only may your situation change, but insurers change rates as often as every three months as an adjustment for underwriting gains or losses. Higher than normal claims can cause additional premium costs, while less frequent claims may cause more affordable Georgia car insurance rates.

To illustrate this point, the data below analyzes the cheapest car insurance in Georgia for a 45-year-old male driver with no prior claims, no tickets, and a good credit rating. If we look at prices based on his current risk factors, Auto-Owners has the most affordable car insurance rates in Georgia at $855 a year. This is $674 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining cheapest Georgia auto insurance companies.

In this next rate comparison, we will give the driver from the above example an accident surcharge, less-than-perfect credit, and a traffic ticket or two. Because each insurer uses their own method for determining prices, comparing prices most likely will result in a new list of the cheapest car insurance companies in Georgia as shown below.

The Hartford now has the best auto insurance rate in Georgia with Georgia Farm Bureau, Safeco, Mercury, and Country now being in the top five. This example proves why it is crucial to shop around with many companies to find cheap auto insurance quotes for teachers.

Rates are calculated by many risk factors and can increase or decrease at any time, so the cheapest option the last time you checked may now be priced much higher than other options.