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Unmarried Male, 19, 1 Ticket & No Accidents for 12 Months - Liability/Full Coverage

We began with one of the most expensive driver demographics for insurance coverage, a young male driver. This young male driver has one ticket and no accidents, having driven for the past 12 months. He drives approximately 15,000 miles each year. The rates for the Atlanta area and even which insurers are cheaper or more expensive will be different in other areas of the state.

Liability-Only - This unmarried, young male will find his cheapest liability-only rates at Safe Auto at $1,320 yearly and Farmers at $1,527 yearly. Geico and Infinity came in next cheapest in the low $2,000 range. Progressive and Allstate are in at the mid-$2,000 range. State Farm, Esurance, and Nationwide were the most expensive at over $3,000 a year, with Nationwide at $4,273. This is for liability-only insurance! Our savvy young driver who shops around will be able to save almost $3,000 a year on liability-only auto insurance from the carrier charging the most to the carrier charging the least.

Full Coverage – When shopping for full coverage insurance, our young male driver from Atlanta will again find Safe Auto the least expensive at $2,860 and Farmer's close by at $3,187, followed by Allstate in the high $3,000 range, and Geico and Progressive over $4,000. The most expensive options for a young male in Atlanta for full coverage insurance were State Farm, Infinity, Nationwide, and Esurance. Each of these most expensive options was over $6,000 a year. Esurance's rate, the highest for full coverage, was $6,960. That's just under $7,000 a year. By choosing the carrier who charges the least, our young male driver will save $4,100 per year in automobile insurance.

Unmarried Female, 19, 1 Ticket & No Accidents for 12 Months - Liability/Full Coverage

Next, we looked at a female inexperienced driver, 19-years-old, who has one ticket and no accidents. Insurance agencies tend to charge a bit less to female younger drivers than their male cohorts. It is important to emphasize that these are rates for the Atlanta area. The rates and which carriers are cheaper will vary by area.

Liability-Only - Our young female driver will save the most on her liability-only automobile insurance coverage with Safe Auto at $1,016. Again, Farmer's comes in second cheapest at $1,249. Geico keeps the cost under $2,000. In the $2,000 range are Infinity, Progressive, Allstate, State Farm, and Esurance. Nationwide comes in much higher than all of the rest of the carriers for liability-only insurance for a young female driver at $4,081. Thus, she can save over $3,000 per year in insurance by choosing the cheapest insurance carrier for her liability-only insurance as opposed to the most expensive carrier.

As you can see, the female driver is charged a few hundred dollars a year less than the young male driver for liability-only insurance.

Full Coverage – A young female driver will again find Safe Auto at $2,185 and Farmers at $2,785 her two cheapest carriers for full coverage insurance. Allstate and Geico keep things in the $3,000 range. Progressive is $4,049, while State Farm, Infinity, and Esurance top $5,000 a year for full coverage in this scenario. Nationwide again comes in much higher than the rest at $6,556. Our young female driver would be well advised to save over $4,000 a year and choose the cheapest carrier over the most expensive.

In the case of this driver wanting full coverage insurance, she is still being charged a few hundred to several hundred dollars less per year than her male cohort. The clear pattern is that Safe Auto and Farmer's are charging significantly less for automobile insurance for younger drivers, while the most costly carriers for this driver demographic are Nationwide and Esurance.

Married Couple, 65, Clean Record, +- 7,500 miles Driven Annually – Liability/Full Coverage

Married couples and older drivers tend to be charged less for their automobile insurance than younger, less experienced drivers. Our driver demographic here will be a married couple who are aged 65 and have no accidents or moving violations on their record. They drive around 7,500 miles a year.

Liability-Only - The older married couple wanting to only carry liability insurance will be charged significantly less than the younger drivers. Seven of the 10 carriers come in less than $1,000. Only one carrier, Esurance, comes in over $1,500 a year for liability-only insurance for the older married couple. The cheapest carriers are Farmer's, Geico, and Safe Auto. All three are in the $450 to $500 range.

In this case, the older married couple will save over $1,100 a year by choosing the cheapest carrier over the most expensive.

Full Coverage – An older couple who opts for full coverage will find the cheapest carriers come in at just over $1,000 a year - Safe Auto, Farmer's, Geico, and Progressive. Safe Auto is the lowest at $1,095 yearly. Three more carriers come in at the $1,000 range. Three carriers - Nationwide, Infinity, and Esurance - will charge our older couple over $2,000 for their full coverage insurance. Esurance is the most expensive at $2,808 yearly. So, an older couple desiring full coverage insurance will save over $1,600 per year if they choose the cheapest carrier over the most expensive. Their insurance is substantially cheaper per year than that charged by the insurance carriers to the younger male and female drivers.

Single Mother, 35, Occasional 17-Year-Old Male Driver, Clean Records – Liability/Full Coverage

Our final driver demographic is a single mother who is 35 years of age. She has a 17-year-old son who occasionally drives the car. Neither of them has any accidents or moving violations on their driving records.

Liability-Only - The single mom will pay the least for liability-only insurance with Safe Auto at $1,190 and Allstate at $1,360 yearly. Geico, Farmer's, and Progressive all fall in the $2,000 range. Nationwide and State Farm will charge her over $3,000 yearly, while Infinity and Esurance top out at over $5,000 yearly for liability-only insurance. Esurance is just shy of $6,000.

One has to wonder if the addition of the young male's incidental driving of the family car is making the Infinity and Esurance rates so much higher than the other carrier's quotes. In this case, our single mom would save almost $5,000 a year by choosing the cheaper as opposed to the most expensive carrier. We have to remember that this is a quote for only liability coverage!

Full Coverage – Sadly, the rates charged to this single mom with occasional driving by her young male son get absolutely astronomical with full coverage insurance, especially from the most expensive carriers. The cheapest carriers are Allstate at $2,205 and Safe Auto at $2,416. Progressive, Farmer's, and Geico come in at around the $4,000 range, a big jump. Nationwide and State Farm come in at around $5,000 and $6,000 respectively. The shocking ones, though, are Esurance at over $10,000 and Infinity at $11,270. Remember that the highest price for a young male with full coverage as the only driver on a policy was around $7,000. Thus, our single mom who hopes to afford full coverage automobile insurance for her with her son only driving occasionally will save an incredible $9,000 a year by choosing the cheapest carrier over the most expensive one.