Cheapest and Best Car Insurance Companies in Sandy Springs, GA

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.