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According to data from Insure.com, the average annual cost of car insurance in Sandy Springs, Georgia is $2,159. The auto insurance rates in Sandy Springs is $189 more than the state average and $264 more than the national average.
City average rates | State average rates | National average cost |
---|---|---|
$2,159 | $1,970 | $1,895 |
Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.
This article talks in detail about the most affordable car insurance companies in Sandy Springs, the average car insurance rates by age and gender, and how much car insurance cost in Sandy Springs depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Sandy Springs. Keep reading to learn more.
Key Takeaways
- Car insurance in Sandy Springs, Georgia costs $2,159 per year.
- At $1,585 per year, Auto-Owners offers the cheapest car insurance in Sandy Springs.
- Car insurance for young adults in Sandy Springs costs $3,647 per year.
Cheap car insurance companies in Sandy Springs
At an average of $1,585 per year with full coverage limits of 100/300/100, Auto-Owners provides the most affordable car insurance in Sandy Springs.
Ranked as the second most affordable company in Sandy Springs, Central Insurance provides car insurance at $1,853 per year.
As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Sandy Springs that align with your needs before selecting a policy.
The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Sandy Springs, Georgia:
Affordable car insurance providers in Sandy Springs
Company Name | Average annual cost | Average monthly cost |
---|---|---|
Auto Owners | $1,585 | $132 |
Central Insurance | $1,853 | $154 |
Progressive | $1,948 | $162 |
Country Financial | $1,980 | $165 |
Geico | $2,066 | $172 |
Allstate | $2,296 | $191 |
Mercury Insurance | $2,472 | $206 |
State Farm | $2,604 | $217 |
Safeway Insurance | $3,129 | $261 |
USAA | $1,653 | $138 |
Read about the best car insurance companies.
Average car insurance cost in Sandy Springs by coverage limits
The average car insurance rates in Sandy Springs by coverage type are as follows:
- State minimum coverage: $743 per year (limits of 25/50/25)
- Liability-only coverage: $1,009 per year (limits of 50/100/50)
- Full coverage: $2,159 per year (limits of 100/300/100)
- Non-owners coverage: $404 per year
In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.
It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.
Average car insurance rates by gender in Sandy Springs
Based on an analysis by Insure.com, female drivers in Sandy Springs, Georgia pay an average annual car insurance premium of $2,167. In comparison, male drivers pay $2,150 annually, which is $17 less than what female drivers pay.
According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.
Read more on how gender affects car insurance rates.
Average car insurance rates by age in Sandy Springs
In Sandy Springs, car insurance rates are highest for teens, averaging $6,951 per year or $579 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.
Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.
As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,647 annually for their car insurance, which is $3,304 less than what teens pay for their coverage.
In Sandy Springs, adult drivers pay an average of $2,202 per year for car insurance, while senior drivers pay $2,282 annually.
According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.
Read more on auto insurance for seniors.
The table below lists the average annual rates for drivers of different age groups:
Car insurance rates by age groups in Sandy Springs
Teens (16- to 19-year-olds) | Young adults (20- to 24-year-olds) | Adults (25- to 55-year-olds) | Seniors (60- to 75-year-olds) |
---|---|---|---|
$6,951 | $3,647 | $2,202 | $2,282 |
Car insurance rate trends in Sandy Springs
Examining the trends in car insurance rates in Sandy Springs, Georgia it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 20%, or $355.
The table below shows the trend for last four years:
How car insurance rates are changing in Sandy Springs
2016 rates | 2019 rates | 2022 rates | 2023 rates |
---|---|---|---|
$1,452 | $2,152 | $1,804 | $2,159 |
Conclusion
In conclusion, the insurance rates in Sandy Springs, are higher than the average insurance cost in Georgia. Shopping around and taking advantage of available discounts, drivers in Sandy Springs can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.
Sources
- Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
- Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
- Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.
Methodology
Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.
The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
The quoted insurance rates are for comparison purposes, and your individual rates may vary.