Georgia Farm Bureau vs. Southern: Which Company is the Best Fit for You?

Quick Facts

• In general, Georgia Farm Bureau offers significantly cheaper rates than Southern
• Georgia Farm Bureau has more affordable prices for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• Southern may help you save more money -- they offer more discounts than Georgia Farm Bureau Insurance

Georgia Farm Bureau or Southern: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Georgia Farm Bureau or Southern as potential options, but which one will save you the most?

As you can see, Georgia Farm Bureau has average rates that are around 55% a month less expensive than those from Southern when looking at the national average rates for insurance.

However, Georgia Farm Bureau may not be the lowest or best option for every driver out there. Car insurance carriers use a ton of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among a range of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Georgia Farm Bureau or Southern is really the best for you, keep reading to see average premiums for each company broken down by a range of different rate factors.

Georgia Farm Bureau vs. Southern: Average Car Insurance Rates by State

Georgia Farm Bureau and Southern only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

There's a lot more that goes into your auto insurance bill than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. Usually, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 65% less a month by choosing Georgia Farm Bureau over Southern.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. Southern offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Georgia Farm Bureau still has the cheapest premiums at $134 per month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance rates you can find. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise premiums.

So, which carrier offers the best prices to retired drivers? Georgia Farm Bureau gets the edge here, with average premiums coming in at about $117 a month compared to Southern's $254.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable car insurance prices than single policyholders. That's normally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average rates between these two carriers is significant, with Georgia Farm Bureau prices coming in at around half of Southern's. The advantage is also clear for married policyholders - Georgia Farm Bureau offers the cheapest average premiums.

Georgia Farm Bureau or Southern: Average Rates by Gender

Women typically to pay less for auto insurance than men. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

On average, men see premiums about $2 per month higher with Georgia Farm Bureau, but with Southern, the difference is closer to $36 a month.

When it comes to the most affordable rates for each gender, Georgia Farm Bureau comes out as the lowest option for both genders. On average, women save about $161 per month and men save around $195 with Georgia Farm Bureau compared to the average Southern policyholder.

Georgia Farm Bureau vs. Southern: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Georgia Farm Bureau has the significant edge, with average monthly prices coming in at $91. If you want a full coverage policy with the same state minimum limits, Georgia Farm Bureau again has the edge, with policies averaging about $197 a month to Southern's $452.

Is Georgia Farm Bureau or Southern Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and at-fault collisions will most likely raise your rates, but is Georgia Farm Bureau or Southern cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Georgia Farm Bureau insurance policies don't report seeing their premiums increase after getting a ticket, but Southern policyholders can expect to see their monthly bill increase by around $15.

But Georgia Farm Bureau tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are 47% and 51% less expensive, respectively, compared to Southern Insurance Company of Virginia.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Georgia Farm Bureau can expect to see about an $19 -- or around 14% -- rise in their insurance premiums. Drivers who use Southern for their auto insurance will see a monthly bill about $77 (or 26%) more expensive after reporting a collision to their car insurance company.

At the end of the day, Georgia Farm Bureau offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $133 compared to Southern Insurance Company of Virginia's $293.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. Southern drivers usually see a 61% increase in their car insurance rates after a DUI charge, while Georgia Farm Bureau will usually raise prices by around 47%.

But if you end up with a DUI charge and are looking for more affordable premiums, Georgia Farm Bureau tends to be cheaper for the average driver, with monthly premiums coming in at about $216 to Southern's $548.

How does Credit Score Impact Georgia Farm Bureau and Southern Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance prices. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for a lot of drivers.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Georgia Farm Bureau or Southern Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a considerable impact on your monthly auto insurance payment? Generally, the more milage you put on your car, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Georgia Farm Bureau charges. However, there's a small difference in monthly premiums for Southern, with policyholders who drive 6,000 miles annually paying around $30 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Georgia Farm Bureau is the less expensive company.

Georgia Farm Bureau or Southern: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Georgia Farm Bureau generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Georgia Farm Bureau's average prices are about $150 per month compared to Southern's $390. People in suburban areas pay around $146 with Georgia Farm Bureau compared to Southern's $279 monthly. Those in rural areas can expect to pay about $136 a month with Georgia Farm Bureau compared to Southern's $298.

Georgia Farm Bureau vs. Southern Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Georgia Farm Bureau and Southern so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Southern blows Georgia Farm Bureau away when it comes to the sheer amount of discounts available, offering nine more discounts than Georgia Farm Bureau.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and multi-policy discounts. Southern also offers discounts for advance quote, experienced operator, family discount, and more.

On the other hand, Georgia Farm Bureau has a proprietary discount of their own -- a paperless discounts.

Final Thoughts: Is Georgia Farm Bureau or Southern Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which carrier is the best company for you and your specific driver profile?

Georgia Farm Bureau might be best for you if....

• You have an at-fault collision on your record.
• Your home is located in the suburbs.
• You want to save money while purchasing insurance for a teenager.

Southern might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Georgia Farm Bureau and Southern. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Georgia Farm Bureau and Southern. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Georgia Farm Bureau vs. Southern FAQs

Is Georgia Farm Bureau or Southern cheaper?

Georgia Farm Bureau is the more affordable of the two carriers when looking at national average premiums, with policies averaging $144 a month with Georgia Farm Bureau and $322 for Southern. However, that doesn't mean Georgia Farm Bureau will be the cheapest carrier for everyone, since there are several different variables that are considered when it comes to your auto insurance cost.

Who is better, Georgia Farm Bureau or Southern?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Georgia Farm Bureau and Southern offer me different rates?

Auto insurance companies use several different factors when determining the prices they charge. Variables like where you call home, age, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both Georgia Farm Bureau and Southern calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Georgia Farm Bureau or Southern is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Georgia Farm Bureau or Southern at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.