Alpharetta Auto Insurance Rates, Quotes, Agents & Reviews in GA

Alpharetta, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Alpharetta, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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What Does it Cost to Insure Your Car in Alpharetta, GA

The average cost of car insurance in Alpharetta is $1787.  Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.

Check out the factors and related discounts available in Alpharetta in detail given below.

Multi Car Insurance Rates 

Car owners in Alpharetta can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows;

what_does_it_cost_to_insure_your_car_in_alpharetta_ga

Based on age age of the driver

The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Alpharetta, teens pay a higher average of $5799 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1769  and $1702 respectively. Alpharetta car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.

Based on credit score

Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Alpharetta if you are an "excellent" driver with a score of 800, your average annual premium is $1533 but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less premium whereas car owners with poor credit scores pay upto $2915 as their premium.

Based on security features 

Cars that are equipped with safety devices not only protect the vehicle and  passengers but can also save money.Car insurance companies will provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Alpharetta can reduce their auto insurance costs to $1662 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1716 in Alpharetta. Average Insurance cost for cars with active tracking devices is $1680.

Factors that can influence the cost of car insurance in Alpharetta, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Alpharetta, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Alpharetta, GA with that of other cities in and around Alpharetta.

Alpharetta Johns Creek Duluth Roswell Roswell-Alpharetta Milton
Average Insurance Rates $1,787 $1,864 $1,690 $1,829 $1,861 $1,997

Alpharetta, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Alpharetta, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Alpharetta $1,265 $1,068
Roswell-Alpharetta $1,692 $1,429
Roswell $1,908 $1,611
Johns Creek $2,467 $2,084
Milton $1,427 $1,205
Big Creek $1,351 $1,141
Berkeley Lake $2,394 $2,022
Duluth $1,465 $1,237

Alpharetta, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Alpharetta, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,799
20 Years $2,296
30 Years $1,769
40 Years $1,702
50 Years $1,576
60 Years $1,598
70 Years $1,860

Alpharetta, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Alpharetta, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,109 $465
3 Vehicles $4,664 $697
4 Vehicles $6,219 $929

Savings on 2 Vehicles bundle:$465

Savings on 3 Vehicles bundle:$697

Savings on 4 Vehicles bundle:$929


Alpharetta, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alpharetta, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Alpharetta $1,787 $3,267
Roswell-Alpharetta $1,861 $3,402
Roswell $1,829 $3,344
Johns Creek $1,864 $3,408
Milton $1,997 $3,651
Big Creek $1,859 $3,398
Berkeley Lake $1,875 $3,428
Duluth $1,690 $3,089

Alpharetta, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,533
Excellent (740-799) $1,750
Good (670-739) $1,862
Average (580-669) $2,429
Poor (300-579) $2,915

Alpharetta, GA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Dave Harden State Farm 5950 Bethelview Rd Ste 100, Cumming, 30040-6385 770-889-2138
Mcvicker And Associates Inc. Allstate 2000 Abbey Ct, Alpharetta, 30004 (404) 667-4106
Ryan Bishoff State Farm 3855 Shallowford Rd Ste 320, Marietta, 30062-4196 678-551-7920
Ryan Harwood Allstate 695 Mansell Rd Ste 230, Roswell, 30076 (770) 203-0803
Scott Ralston State Farm 415 Marietta Hwy, Roswell, 30075-4705 770-640-1000
Calvin Dubose State Farm 244 N Main St, Alpharetta, 30009-3625 770-475-0101
National Surety Services, Inc. None 1534 Village Pkwy 1534 Village Pkwy Atlanta, Dunwoody, 30338 None
Larry Horne State Farm 6955 McGinnis Ferry Rd Ste 111, Johns Creek, 30097-3521 770-476-1313
Qbe First Travelers 4450 RIVER GREEN PARKWAY SUITE 100-A, DULUTH, 30096 800-842-5075
Harrington Insurance Agency, Inc. None 39 S Peachtree St, Norcross, 30071 None
Bo Whitley And Assoc Inc Travelers 11205 ALPHARETTA HWY STE A-8, ROSWELL, 30076 770-475-7777
Downs & Associates None 1867 Independence Sq Ste 200 , Atlanta, 30338 None

Alpharetta, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$79 $1,866
Driver's Failure In Showing Documents +$173 $1,960
Driving With An Expired Registration +$184 $1,971
Driving At A Considerably Slow Pace +$388 $2,175
Using A Cellphone While Driving +$409 $2,196
Running A Red Light +$416 $2,203
Speeding +$438 $2,225
Driving A Vehicle Without The Required Permission +$556 $2,343
Driving With An Expired/Suspended License +$1,204 $2,991

Alpharetta, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,716
Active Disabling Device $1,716
Tracking Device $1,680
Passive Disabling Device $1,662

Latest Auto Insurance Reviews in Alpharetta, GA | Back to Top

State Farm
I love there insurance customer services. Customer Services is number one along with everything else they offer. State Farm Hats Off to yall continue to be number one.
Allstate
the agent often calls us to see if they can reduce our payments (low mileage discount, safe driver discounts). I am glad that they keep me aware of options.
Farmer's Insurance
My deductible is not any higher than any of the other companies which is why i went with this company. I was not loosing anything by going to them.