Cheapest and Best Car Insurance Companies in Sandy Springs, GA


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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The best insurance company for you will depend on personal factors. MoneyGeek found that Country Financial is the best overall and the cheapest company for full coverage policies, military drivers and those with an at-fault accident or a DUI. Auto-Owners Insurance Co. is the most affordable option after a speeding ticket, and it is the best company for customer service and minimum coverage. Teens can find the cheapest rates from Allstate.

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2024

Cheapest and Best Car Insurance in Sandy Springs, GA

Why Trust MoneyGeek? To analyze the most recent car insurance quotes in Sandy Springs, we collected data from the Georgia department of insurance and Quadrant Information Services.

35,648Quotes Analyzed
 
8Companies Compared

Cheapest Minimum Liability Car Insurance in Sandy Springs

The cheapest car insurance companies for a minimum coverage policy in Sandy Springs are:

  • Auto-Owners Insurance Co.: $363 per year
  • Country Financial: $391 per year

The most expensive company is Allstate, with an average premium of $691 per year. The cheapest car insurance in Georgia is from Country Financial, which has an average premium of $321 per year as of October 2022. It's cheaper than Auto-Owners Insurance Co. because factors like location can affect the cost of car insurance. Consider comparing rates when shopping around for a policy.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance CoAnnual Premium$363Monthly Premium$30
Country FinancialAnnual Premium$391Monthly Premium$33
MercuryAnnual Premium$488Monthly Premium$41
GEICOAnnual Premium$577Monthly Premium$48
ProgressiveAnnual Premium$625Monthly Premium$52
State FarmAnnual Premium$637Monthly Premium$53
AllstateAnnual Premium$691Monthly Premium$58

A minimum coverage policy only includes bodily injury liability and property damage liability. According to Georgia law, a car insurance policy must have the following minimum coverages:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

A minimum car insurance policy will compensate an injured person in an accident. In Georgia, a minimum coverage policy can pay up to $25,000 per injured person, up to $50,000. The policyholder is responsible for costs exceeding $50,000.

Cheapest Full Coverage Car Insurance in Sandy Springs

The cheapest car insurance companies for a full coverage policy in Sandy Springs are:

  • Country Financial: $731 per year
  • Auto-Owners Insurance Co.: $852 per year

Progressive offers the most expensive full coverage policy, with an average rate of $1,365 per year. Country Financial also has the cheapest full coverage car insurance in Georgia as of October 2022. On average, it costs $675 per year, which is cheaper than its Sandy Springs rate. This cost difference illustrates how location can affect insurance rates. When looking for a policy, compare rates from various insurers to find the most affordable rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$731Monthly Premium$61
Auto-Owners Insurance CoAnnual Premium$852Monthly Premium$71
AllstateAnnual Premium$1,034Monthly Premium$86
GEICOAnnual Premium$1,155Monthly Premium$96
State FarmAnnual Premium$1,156Monthly Premium$96
MercuryAnnual Premium$1,182Monthly Premium$99
ProgressiveAnnual Premium$1,365Monthly Premium$114

A full coverage policy includes comprehensive and collision insurance.

  • Collision Insurance: Covers you when you’re involved in an at-fault accident with another vehicle or a stationary object
  • Comprehensive Insurance: Covers you when your car is stolen or damaged in a non-collision event, like flooding.

Always consider your needs and circumstances when purchasing a policy. For example, a full coverage policy might not be worth the expense if you drive an old or low-value vehicle.

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Cheapest Car Insurance in Sandy Springs After a Driving Offense

The cheapest car insurance companies for those with driving violations in Sandy Springs are:

  • Speeding ticket: Auto-Owners Insurance Co. ($964 per year)
  • At-fault accident: Country Financial ($1,036 per year)
  • DUI: Country Financial ($1,203 per year)

Progressive is the most expensive company after a speeding ticket ($1,837 per year) and after an at-fault accident ($2,590 per year). GEICO costs the most after a DUI ($3,775 per year).

Your driving history can impact your rates. Drivers with offenses generally pay more expensive premiums than those with clean records.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$964Monthly Premium$80
Country FinancialAnnual Premium$991Monthly Premium$83
AllstateAnnual Premium$1,174Monthly Premium$98
GEICOAnnual Premium$1,301Monthly Premium$108
State FarmAnnual Premium$1,317Monthly Premium$110
MercuryAnnual Premium$1,751Monthly Premium$146
ProgressiveAnnual Premium$1,837Monthly Premium$153

Premiums usually increase based on your driving offense. Sometimes, the more severe your offense, the higher your premium increase. In Sandy Springs, your annual premium can increase by $840 after a DUI but only by $266 after a speeding ticket.

The cheapest car insurance for those with bad driving records can also depend on other factors, like your age and car model. Even then, premiums will still be more expensive than for safe drivers.

Cheapest Car Insurance in Sandy Springs for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Sandy Springs are:

  • Allstate: $1,799 per year for girls and $1,883 per year for boys
  • GEICO: $2,090 per year for girls
  • Auto-Owners Insurance Co.: $2,518 per year for boys

The most expensive companies are Progressive for girls ($3,086 per year) and State Farm for boys ($3,794 per year). Premiums for male teens tend to be more expensive because insurers consider them higher risk. With Allstate, for example, coverage for boys costs $84 more than coverage for girls. However, this rate difference disappears when teens become young adults.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$1,799Individual Plan Monthly Premium$9,181
GEICOFamily Plan Annual Premium$2,090Individual Plan Monthly Premium$11,915
Auto-Owners Insurance CoFamily Plan Annual Premium$2,446Individual Plan Monthly Premium$6,543
State FarmFamily Plan Annual Premium$2,963Individual Plan Monthly Premium$6,806
ProgressiveFamily Plan Annual Premium$3,086Individual Plan Monthly Premium$14,775

Car insurance for teens is more expensive if you get an individual policy than if you add teenagers to the family policy. For instance, in Sandy Springs, an individual policy for a 16-year-old boy costs an average of $6,006 per year. Adding them to the family policy costs $2,894 per year on average, a savings of $3,112. Adding a teen to a parent’s policy is the best way to find the cheapest car insurance for teenagers.

Cheapest Car Insurance in Sandy Springs for Military Drivers

The cheapest car insurance companies for active or veteran military families in Sandy Springs are:

  • Country Financial: $731 per year
  • USAA: $838 per year

If you’re looking for a minimum coverage policy, the most affordable companies are Auto-Owners Insurance Co. ($363 per year) and Country Financial ($391 per year). We recommend USAA for drivers with a military background because its services are specifically geared towards active duty members, veterans and their qualified family members. Aside from offering cheap car insurance for military drivers, USAA has military-specific discounts.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$731Monthly Premium$61
USAAAnnual Premium$838Monthly Premium$70
Auto-Owners Insurance CoAnnual Premium$852Monthly Premium$71
AllstateAnnual Premium$1,034Monthly Premium$86
GEICOAnnual Premium$1,155Monthly Premium$96
State FarmAnnual Premium$1,156Monthly Premium$96
MercuryAnnual Premium$1,182Monthly Premium$99
ProgressiveAnnual Premium$1,365Monthly Premium$114

How to Compare Cheap Sandy Springs Car Insurance Quotes Online

Requesting an online quote in Sandy Springs, Georgia, can take 15 minutes or longer. You may need to disclose a lot of personal information so the insurer can determine your rates.

MoneyGeek's car insurance calculator can give you a quick estimate of your premiums when you simply enter your age, car type, amount of coverage and driving history.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jun 23, 2024

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Best Car Insurance in Sandy Springs: Summary

The best insurance for you will depend on your affordability, coverage and customer service needs. According to MoneyGeek, the following are the best car insurance companies in Sandy Springs, Georgia, for different criteria:

  • Best overall: Country Financial (MoneyGeek score 81 out of 100)
  • Best for service: Auto-Owners Insurance Co. (MoneyGeek score 66 out of 100)
  • Best cheap: Auto-Owners Insurance Co. (MoneyGeek score 84 out of 100)

MoneyGeek scores vary as weightings change. The best car insurance in Georgia is also Country Financial. USAA, with a MoneyGeek score of 79 out of 100, can be a good option for military drivers.

Best Overall Car Insurance in Sandy Springs

The best companies for car insurance in Sandy Springs are:

  • Country Financial: MoneyGeek score 81 out of 100 ($731 per year)
  • Auto-Owners Insurance Co.: MoneyGeek score 76 out of 100 ($852 per year)

Country Financial received the best scores for affordability and customer satisfaction. It offers the cheapest rates among the insurers we reviewed. This company also has quality customer service.

We also recommend USAA for drivers with a military background. It received a MoneyGeek score of 79 out of 100 and is one of the most affordable options, at $838 per year.

How was this MoneyGeek score calculated?

Country Financial

pros

checkmark

Affordable rates

checkmark

Good customer service

checkmark

Offers safety glass coverage and trip interruption coverage

cons

close

Only has a few coverages

close

Doesn’t have accident forgiveness and gap insurance

COMPANY HIGHLIGHTS

Country Financial’s high affordability and customer satisfaction scores indicate policyholders don’t pay more for quality customer service with this company. However, the company’s claims handling and coverage scores are average.

Country Financial offers safety glass coverage, which pays for repairs for your windshield, car windows or headlight covers. It helps you skip the deductible on your comprehensive coverage. The company’s vehicle rental and trip interruption coverage can protect you if you get into an accident while you’re away from home. Aside from paying up to $800 for a rental car, it can cover lodging and meals.

The company’s personal effects coverage pays up to $800 if a laptop or phone are stolen from your car. It also offers new car replacement coverage and roadside assistance.

Read MoneyGeek's Country Financial Auto Insurance Review

Best Car Insurance in Sandy Springs for Customer Service

Without considering cost, the best companies for customer service in Sandy Springs are:

  • Auto-Owners Insurance Co.: MoneyGeek score 66 out of 100 ($852 per year)
  • Country Financial: MoneyGeek score 65 out of 100 ($731 per year)

Auto-Owners Insurance Co. has the highest scores for coverage and customer satisfaction. Besides quality customer service, this company provides useful coverages for most drivers. These include roadside assistance, rental car and/or travel reimbursement and gap insurance. You can get these services at an affordable price because Auto-Owners Insurance Co. offers some of the cheapest rates in this city.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

Good customer service

checkmark

Has roadside assistance, rental car reimbursement and gap insurance

checkmark

Offers diminished value coverage and accident forgiveness

cons

close

Filing claims can be difficult

close

Doesn’t have new car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co. can help you recover financially after an accident. Diminished value coverage can compensate you for the difference in your car’s worth before and after an accident. It helps protect your investment, as you won’t need to worry about depreciation even after repairs.

You can also save money on your premiums after an accident if your insurance includes Accident Forgiveness. It prevents your rates from skyrocketing after an at-fault accident. This coverage can be added to your insurance if you have been claim-free for the past 36 months.

The company’s Personal Automobile Plus Package offers several popular add-ons for one competitive rate. The package includes more than ten coverages, including identity theft, lock re-keying and cell phone replacement.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Best Cheap Car Insurance in Sandy Springs

We analyzed cost and customer service of policies that only meet Georgia’s minimum coverage requirements and found that the best in Sandy Springs are:

  • Auto-Owners Insurance Co.: MoneyGeek score 84 out of 100 ($363 per year)
  • Country Financial: MoneyGeek score 78 out of 100 ($391 per year)

Minimum coverage policies in Sandy Springs have the most affordable rates. However, they provide limited protection against liability and property damage if you’re in an accident. Your car insurance may not fully cover your car repairs or the expenses of treating injured people.

How was this MoneyGeek score calculated?

Auto-Owners

pros

checkmark

An affordable minimum coverage policy costs $363 per year

checkmark

Discounts for bundling, paying in full and early signing

checkmark

Offers roadside assistance, rental car reimbursement and gap insurance

cons

close

No discount for defensive driving or driver’s education

close

Low score for claims management

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co. received the highest scores for affordability and coverage. With its average premium of $363 per year, this company can be the cheapest option for drivers. It also has most essential coverages, such as roadside assistance, rental car reimbursement and gap insurance.

You can save money on your premiums through bundling, being a good student, insuring multiple cars and driving safely. You can also combine your auto insurance policy with other Auto-Owners Insurance Co. insurance policies. If you own several cars, you can get lower premiums by insuring all your cars with Auto-Owners Insurance Co.

Auto-Owners also provides a Life Multi-Policy Discount. You can pair a qualified life insurance policy with your car insurance policy to get a discount on your premiums. This discount is separate from Auto-Owners Insurance Co.’s regular bundling discount. This insurer also offers discounts to students who maintain good grades.

Read MoneyGeek's Auto-Owners Auto Insurance Review

Average Cost of Car Insurance in Sandy Springs

Car insurance in Sandy Springs costs $1,068 per year based on a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average cost in Sandy Springs is $253 less than the average cost of car insurance in the U.S., but it is $55 more than the average cost of car insurance in Georgia as of October 2022. Take note that location can affect car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.