Cheapest car insurance companies in Alpharetta
According to a study by Insurance.com, the cheapest car insurance companies in Alpharetta for 2023 are Auto-Owners and Country Financial.
In Alpharetta, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $1,499 annually.
In Alpharetta, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| Auto-Owners | $1,499 |
| USAA | $1,619 |
| Country Financial | $1,803 |
| Central Insurance | $1,808 |
| Progressive | $1,861 |
| Geico | $1,999 |
| Allstate | $2,142 |
| Mercury Insurance | $2,271 |
| State Farm | $2,451 |
| Safeway Insurance | $2,850 |
Cheapest car insurance cost in Alpharetta by Age Group
The cheapest auto insurance company in Alpharetta for teen drivers is Central Insurance. For full coverage, its average annual rate for Alpharetta drivers is $4,177. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Alpharetta at about $2,557 per year.
Drivers in Alpharetta stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Auto-Owners has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,556 a year.
Alpharetta senior drivers seeking affordable car insurance should look no further than Country Financial. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,683. It makes Country Financial a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Central Insurance | $4,177 | $2,882 | $1,896 | $2,232 |
| Auto-Owners | $4,204 | $2,657 | $1,556 | $1,745 |
| Country Financial | $4,382 | $2,804 | $1,827 | $1,683 |
| USAA | $4,908 | $2,557 | $1,626 | $1,821 |
| Geico | $7,400 | $3,528 | $2,000 | $1,969 |
| State Farm | $7,539 | $4,242 | $2,473 | $2,434 |
| Allstate | $8,033 | $3,223 | $2,129 | $2,247 |
| Progressive | $9,617 | $3,111 | $1,829 | $1,999 |
| Safeway Insurance | $10,032 | $5,438 | $3,046 | $2,932 |
| Mercury Insurance | $11,394 | $4,839 | $2,326 | $2,458 |
Cheapest car insurance companies in Alpharetta by driver profile
Your driving profile plays an important role in determining your car insurance rates in Alpharetta. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
When it comes to finding the cheapest car insurance rates in Alpharetta, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
In Alpharetta, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Drivers in Alpharetta with poor credit can get the cheapest car insurance from Geico at an average cost of $1,675 a year, according to a data study by Insurance.com.
Drivers with poor or bad credit scores in Alpharetta can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,675 |
| Nationwide | $1,825 |
| USAA | $2,193 |
| Progressive | $2,614 |
| Allstate | $3,028 |
| State Farm | $3,335 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Alpharetta. It provides full coverage car insurance for drivers aged 30 at about $1,468 per year.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,468 |
| State Farm | $1,851 |
| Nationwide | $1,960 |
| Geico | $2,180 |
| Allstate | $2,329 |
| Progressive | $2,377 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Alpharetta with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $2,010 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $2,010 |
| USAA | $2,059 |
| Geico | $2,321 |
| Nationwide | $2,446 |
| Allstate | $3,374 |
| Progressive | $3,524 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Alpharetta for drivers after a DUI. Its average annual rate for full coverage is $1,851.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,851 |
| USAA | $2,638 |
| Nationwide | $3,310 |
| Allstate | $3,351 |
| Progressive | $3,683 |
| Geico | $6,356 |
Average car insurance cost in Alpharetta
The average car insurance rate in Alpharetta for full coverage is $2,030 per year or $169 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Alpharetta is $720 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,030 | $720 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
