Compare the Cheapest Car Insurance Quotes in Sandy Springs

Compared to Georgia's state average of $1,638, Sandy Springs residents pay a lower annual average car insurance premium of $1,426. Its cheapest widely available insurance is from GEICO, which costs an average of $1,040 per year. Using MoneyGeek's data, you can find the cheapest insurance for various driving profiles and coverage levels. Additionally, we've ranked the car insurance companies in Sandy Springs that best balance affordability and quality.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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Your driving history and policy limits will help you evaluate if GEICO or another Sandy Springs insurance provider offers the cheapest option. According to MoneyGeek, the city's cheapest companies for state minimum insurance and for drivers with a traffic ticket, on average, are:

  • Cheapest For State Minimum Policy: GEICO at $539 per year
  • Cheapest For Ticketed Drivers: GEICO at $1,171 per year

Only military families qualify for policies from USAA, which are the cheapest in the city. Additionally, MoneyGeek named Auto-Owners the best insurance provider in the city for affordability and customer service.

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The Cheapest and Best Car Insurance in Sandy Springs

The Cheapest Car Insurance Companies in Sandy Springs

For drivers looking for full-coverage insurance plans in Sandy Springs, the following providers offer the most affordable options:

  • GEICO: $1,040 per year
  • Nationwide: $1,176 per year

USAA is the least expensive company, in general, but we excluded the company from our list of the cheapest insurers because its plans are provided solely to military families.

GEICO's policy is around half the price of the average quote from MetLife, the most expensive company in Sandy Springs. Comprehensive and collision coverage are both included in a full-coverage policy, in addition to the minimum liability coverage required by law. Depending on the level of liability coverage in the policy, premiums also change.

Cheapest Car Insurance in Sandy Springs
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $969
  • 2.
    GEICO
    $1,040
  • 3.
    Nationwide
    $1,176
  • 4.
    State Farm
    $1,238
  • 5.
    Country Financial
    $1,340
  • 6.
    Mercury
    $1,357
  • 7.
    Allstate
    $1,389
  • 8.
    Esurance
    $1,495
  • 9.
    Progressive
    $1,756
  • 10.
    MetLife
    $2,048

MoneyGeek's methodology estimated the average insurance premiums for a sample of 40-year-old male drivers purchasing a full-coverage insurance policy.

Full coverage costs more since, in addition to liability insurance, it offers the following coverages:

  • Comprehensive Coverage: Protects against non-accident-related events, such as fire, theft, storm and vandalism.
  • Collision Coverage: Pays for the resulting losses and damages if your vehicle collides with another vehicle or an object.

A driver with an older vehicle can benefit from purchasing only liability insurance — state minimum coverage may be a more cost-effective financial move, as comprehensive insurance may cost more than the value of your vehicle.

Compare Car Insurance Rates in Sandy Springs

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Sandy Springs for Minimum Coverage

With the cheapest car insurance, you may only get the minimum coverage. MoneyGeek found that the following two companies offer the cheapest minimum liability insurance in the city:

  • GEICO: $539 per year
  • State Farm: $699 per year

The most cost-effective option is a policy with the bare minimum of coverage, but this leaves you vulnerable since it excludes comprehensive and collision coverage. Full coverage, which includes comprehensive and collision coverage can protect you in the event of an accident giving you extra protection.

MetLife's average quote, at $1,582 per year, is $1,043 more expensive than GEICO's average price as the most expensive in Sandy Springs. Only military people and their families are eligible for USAA's state minimum coverage, which costs $524 per year and is the city's cheapest.

Cheapest Minimum Liability Car Insurance in Sandy Springs
State Minimum

Georgia law mandates that all drivers carry at least 25/50/25 insurance. While this may be the cheapest available car insurance in Sandy Springs, it also provides the minimum necessary coverage. If you're in an accident and your insurance doesn't cover enough, you might end up on the hook to pay for damages.

For example, if you cause $30,000 in property damage to another motorist and your insurance coverage only covers $25,000, you'll need to pay the remaining $5,000 out of pocket. You can prevent this by purchasing full coverage, which includes higher coverage limits.

Georgia Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Sandy Springs if You Have Driving Violations

Car insurance quotes in Sandy Springs will be higher for you if you have a speeding ticket, at-fault accident or DUI in your driving history. Based on the most prevalent traffic offenses, the following are the city's most affordable and commonly available insurance options, on average:

  • Cheapest After A Ticket: GEICO, $1,171 per year
  • Cheapest After An At-Fault Accident: State Farm, $1,474 per year
  • Cheapest After A DUI: State Farm, $1,356 per year

For people with a history of speeding tickets and at-fault accidents, USAA offers the cheapest insurance prices, on average. However, it only sells policies to veterans and active-duty military personnel, as well as their families.

Even if you've had a traffic ticket in the past, if you keep a clean driving record in the future, your insurance premiums will decrease. During this period, you can compare costs from several companies to find the best cheap auto insurance for persons with bad driving histories.

Cheapest Car Insurance in Sandy Springs With a Violation
Speeding Ticket

Average Cost of Car Insurance in Sandy Springs

Sandy Springs$1,426
Georgia$1,638
U.S.$1,424

The average car insurance rate in Sandy Springs is $1,426 per year, which is much lower than the state average and $2 more than the national average. The drivers in the city pay around 12.9% less than the state's average premium and a negligible 0.1% more than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Sandy Springs

Car insurance companies in Sandy Springs calculate insurance rates based on factors such as the driver's gender and age, car make and model and ZIP code. For example, the average quote for an 18-year-old driver will differ significantly from a 40-year-old motorist's. Compare quotes from multiple providers regularly to ensure you get the best possible insurance deal.

Compare Car Insurance Rates in Sandy Springs

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Sandy Springs

Sandy Springs's best insurers, according to MoneyGeek, offer the best value for money while still providing high-quality service. According to our findings, the following companies are the best in the city for car insurance:

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

As the best insurance provider in Sandy Springs, USAA exceeds all of its competitors. Because it is solely available to military families, we did not include the company in our rankings as the best overall insurer.

MoneyGeek identified the best companies based on financial stability, customer satisfaction and the companies' affordability. J. D. Power, a data analytics and consumer intelligence organization, was one of the sources we used for our study.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
ALFA
Score:87.5

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:82.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
MetLife
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

13
National General
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

In Sandy Springs, the location of your residence has an influence on the amount of money you pay for auto insurance in Georgia. Car insurance prices may rise due to high rates of vehicle theft, accidents and natural catastrophes in a certain location. For example, residents of the 30338 ZIP code pay $9 less in yearly auto insurance rates than residents of the 30328 ZIP code. While the difference is insignificant for our average driver, the difference for you may be significant based on your driver profile and ZIP code.

  • Zip Code
    State Minimumper year
  • 30338
    $1,422
  • 30328
    $1,431

Factors That Impact Insurance Costs in Sandy Springs

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Sandy Springs. How Sandy Springs ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities91st/300
handcuffs2 icon
Most Car Thefts164th/300
uninsured icon
Most Uninsured Motorists by State25th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall43rd/300
umbrella icon
Most Rainy Days96th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Sandy Springs are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.