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Who Has the Cheapest Auto Insurance Quotes After a Speeding Ticket in Georgia?

Enter your Georgia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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The vehicle that is being insured is one of the largest factors that determines if you can find the cheapest car insurance after a speeding ticket in Georgia. Vehicles with lots of horsepower, poor safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The list below showcases auto insurance costs for some of the cheaper vehicles to buy coverage for.

Cheapest Auto Insurance Rates After a Speeding Ticket in Georgia
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,740
Honda Accord LX 4-Dr Sedan $1,750
Ford Escape XLS 4WD $1,740
Chevrolet Traverse LT 2WD $2,020
Dodge Ram Quad Cab ST 2WD $2,062
Chevrolet Silverado LT Extended Cab 4WD $2,064
Hyundai Tucson GLS 2WD $2,086
Subaru Outback 2.5I Limited $2,112
Dodge Grand Caravan CV $2,135
Hyundai Elantra Blue 4-Dr Sedan $2,147
Subaru Forester X Premium AWP AWD $2,161
Honda Odyssey EX W/Rear Entertainment $2,227
Jeep Grand Cherokee Limited 2WD $2,239
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Premium data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle location which can modify premium rates noticeably.

By looking at the data, we can assume that models like the Honda CR-V, Honda Accord, Ford Escape, and Chevrolet Traverse are going to be a few of the most budget-friendly vehicles to insure after a few driving violations.

Figuring out which companies quote the best auto insurance rates after a speeding ticket will take a bit more effort in order to find a policy that fits your budget.

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Each auto insurer has their own guidelines for setting prices, so let’s look at the rankings for the most affordable auto insurance companies in Georgia. It’s important to know that Georgia auto insurance rates are influenced by many factors that can increase the price of your policy. Simply having a birthday, having a teen driver, or having an at-fault accident can trigger price changes that can now make some companies more affordable than before.

Enter your zip code below to view companies that have cheap auto insurance rates.

What’s the cheapest car insurance in Georgia?
Rank Company Cost Per Year
1 Auto-Owners $839
2 The Hartford $913
3 USAA $968
4 Central Mutual $1,157
5 Georgia Farm Bureau $1,260
6 MetLife $1,264
7 Travelers $1,331
8 Mercury $1,355
9 Safeco $1,369
10 Country $1,377
11 State Farm $1,390
12 Allied $1,409
13 California Casualty $1,531
14 Encompass $1,623
15 Progressive $1,738
16 Nationwide $1,845
17 Liberty Mutual $1,984
18 GEICO $2,209
19 Allstate $2,246
20 Victoria $2,483
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Auto-Owners generally has some of the best car insurance rates in Georgia at around $839 annually. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau would also be considered some of the cheapest Georgia auto insurance companies.

As shown in the table above, if you are a customer of Central Mutual and switched to Auto-Owners, you could earn annual savings of roughly $318. Drivers with Georgia Farm Bureau could save as much as $421 a year, and MetLife insureds might reduce rates by $425 a year.

It’s important to note that these estimates are averages for all types of insureds and vehicles and do not factor in a rate discount after a speeding ticket. So the insurer that fits your age and vehicle best may not even be shown in the chart above. That emphasizes why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

Get discount Georgia car insurance

Auto insurance after a few driving violations in GeorgiaCar insurance companies that offer the cheapest car insurance after a speeding ticket in Georgia may also provide special discounts that may potentially lower prices by as much as 40% or more if you qualify. A list of auto insurance companies and some of their more popular discounts are detailed below.

Auto Insurance Discounts Available by Company
Discount Progressive Geico Allstate State Farm Liberty Mutual
Bundled policies Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes Yes
Passive restraint No Yes Yes Yes Yes
New car No No Yes Yes No
Safe driver Yes Yes Yes Yes No
Defensive driver Yes Yes Yes Yes No
Military Yes Yes No Yes No
Occupational No Yes No No Yes
Pay in full Yes Yes Yes No Yes
Auto-pay Yes Yes Yes No Yes
Customer loyalty Yes No No Yes No
Early sign-up No No Yes No No
Smart student Yes Yes Yes Yes Yes
Student at college Yes No Yes Yes Yes
Homeowner Yes No No No No
Use seat belts No Yes No No No
Online quote Yes No No No No
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The example below illustrates the difference between car insurance rates with and without discounts. The information is based on a male driver, three citations and no at-fault accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, paperless filing, anti-theft, marriage, vehicle safety, and passive restraint discounts applied. When discounts are applied, the amount saved on auto insurance after a speeding ticket is % or $.

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