BestCar InsuranceAtlantaThe Best Car Insurance in Atlanta, GA, for 2023
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The Top Car Insurance Companies in Georgia
Insurance Carrier
Avg. Estimated
Annual Premium
State Farm ranks as the top car insurance company in Atlanta. However, the best car insurance depends on your coverage needs, age and background.
MoneyGeek provided information about the top-rated options for full and minimum coverage, young and older drivers, those with violations and those with a military background.
Additionally, MoneyGeek outlined the cheapest car insurance in Atlanta for drivers looking to save on their premiums.
BestCar InsuranceAtlantaThe Best Car Insurance in Atlanta
Overall - State Farm
Minimum Coverage - GEICO
Young Drivers - Country Financial
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in Atlanta: Overall
To find the top-rated car insurance companies in Atlanta, MoneyGeek ranked companies based on the claims ratings, user satisfaction and average premiums for various driver profiles. According to our ranking, the best auto insurance companies in Atlanta are:
- State Farm: 82 out of 100
- Country Financial: 78 out of 100
USAA is the top-rated auto insurance company in Georgia according to MoneyGeek, with a score of 99 out of 100. However, it is only available to members of the military community, so it was excluded from our rankings.
The Top Car Insurance Companies in Atlanta
1
State FarmOverall
Score:82
State Farm earned high scores for affordability, customer satisfaction, stability and claims. State Farm offers a unique rideshare insurance coverage option. The average annual cost of a State Farm full coverage policy for a 40-year-old is $1,414.
More About State Farm
State Farm has various coverage options, but their rarest is rideshare insurance. This coverage extends protection to drivers who work for companies like Uber and Lyft. If you drive for a rideshare company, you are classified as a commercial driver by your state's insurance laws, so your personal car insurance policy won’t cover damages accrued while working. State Farm's rideshare insurance can give you peace of mind knowing you're covered at work.
Read MoneyGeek's State Farm auto Insurance Review2
Country Financial
Score:78
Country Financial scored high on stability, satisfaction and claims. The company offers safety glass coverage and its personal effects coverage, which insurers rarely offer. On average, a full coverage policy costs $1,447 per year for a 40-year-old driver.
More About Country Financial
Country Financial’s safety glass coverage is an important feature for many drivers, as it can help protect against injuries from a broken windshield. Additionally, its portable electronics and media coverage protects your personal effects, such as your phone or laptop. If your device is stolen from your car, Country Financial will reimburse you to replace it, up to $800.
Read MoneyGeek's Country Financial auto Insurance ReviewRESOURCES ON CAR INSURANCE IN ATLANTA, GEORGIA
If you’re looking to save money, MoneyGeek analyzed the rates of several insurers to find the cheapest option in Atlanta. Drivers in Georgia can use our resources to compare rates, find discounts and learn about different coverage options:
Best Cheap Car Insurance for Minimum Coverage in Atlanta
MoneyGeek scored the best companies based on the minimum car insurance requirements in Atlanta as required by Georgia’s state laws. The top-rated companies for a minimum coverage policy in Atlanta are:
- GEICO: 80 out of 100
- State Farm: 80 out of 100
MoneyGeek based these scores on several factors, such as age and number of driving violations.
MoneyGeek’s Pick: GEICO
pros
A minimum coverage policy costs $722 annually
Offers discounts for safe driving, good academic records and anti-lock brakes
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction rating of 4.5 out of 5
cons
Doesn’t provide pay-in-full or paperless discounts
COMPANY HIGHLIGHTS
GEICO offers many discounts, including for bundling policies, having multiple cars insured and safe driving. If you have one of their policies, you can get credits on your auto insurance rates. GEICO also considers the number of vehicles being insured, which may result in lower prices. Those who have been accident-free for five years also get a discount.
To ensure that customers have access to the protection they need, GEICO also offers discounts rarely provided among providers. For example, you can get a discount if you have airbags or anti-lock breaks in your car.
Best Car Insurance for Young Drivers in Atlanta
To determine the best auto insurance companies for young drivers in Atlanta, MoneyGeek looked at ratings across different coverages and driving histories. We found that the top auto insurance companies for young drivers are:
- Country Financial: 95 out of 100
- GEICO: 93 out of 100
We calculated this score based on a mix of different policy coverages and driving histories for 18-year-old drivers in Atlanta.
Teen and young driver car insurance rates and student car insurance rates are more expensive than most other demographic groups. Because they have less driving experience, they are riskier to insure.
MoneyGeek’s Pick: Country Financial
pros
An affordable full coverage policy from Country Financial for a safe driver costs $3,695 annually
Offers discounts for good students and those who completed their driver’s education course
MoneyGeek satisfaction rating of 4.5 out of 5
MoneyGeek claims rating of 4.17 out of 5
cons
Doesn’t offer distant student discount
COMPANY HIGHLIGHTS
Young drivers are often considered high-risk by insurance companies and adding them to a policy can be expensive. However, Country Financial offers affordable options for young drivers while also providing great service. This can be invaluable for parents of young drivers because they can have peace of mind knowing that their child is well-protected.
Country Financial’s good student, driver’s education and safe driving discounts, as well as roadside assistance coverage, are great for families with young drivers. Country Financial also offers portable electronics and media coverage that covers your expenses if your phone or laptop is stolen from your car.
Best Car Insurance for Senior Drivers in Atlanta
MoneyGeek analyzed the top auto insurers in Atlanta to find out which one is best for senior drivers. We found that the companies with great ratings for all coverage types and driving histories are:
- State Farm: 88 out of 100
- GEICO: 88 out of 100
We came up with these scores by analyzing different policy coverages and driving histories for 70-year-old or senior drivers in Atlanta.
Middle-aged drivers typically pay lower car insurance rates than seniors. It is still possible to find a high-quality policy that offers a good balance between affordability as well customer satisfaction for senior drivers.
MoneyGeek’s Pick: State Farm
pros
An affordable State Farm full coverage policy for a 70-year-old safe driver costs $1,369 per year
Offers a defensive driving discount after completing a course
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction rating of 4.5 out of 5
cons
Does not offer a discount specifically for seniors
Does not offer unique coverages
COMPANY HIGHLIGHTS
There is no difference between car insurance for seniors and car insurance for other drivers, but some insurers may choose to increase their rates for seniors. However, there are affordable options, like State Farm, that offer a wide range of benefits.
For instance, State Farm offers a discount for completing a defensive driving course. This teaches drivers how to avoid accidents and deal with potentially dangerous situations on the road. By taking a defensive driving course, you can show your insurer that you are committed to safety, leading to lower rates.
Moreover, roadside assistance and rental car and/or reimbursement are both very useful benefits that can come with State Farm’s auto insurance policy. Roadside assistance can help you if you have a flat tire, run out of gas or need a tow. Rental car and/or travel reimbursement can help you if your car is in the shop for repairs. Both of these benefits can save you time and money.
Best Car Insurance With a Driving Violation in Atlanta
MoneyGeek scored the best companies based only on profiles of drivers with an at-fault accident on their record in Atlanta. Our choices of top auto insurance companies in Atlanta for those with an at-fault accident on their record are:
- State Farm: 91 out of 100
- GEICO: 89 out of 100
This result is based on our analysis of various policy coverages and drivers of different ages. Note that drivers can expect to pay far more for their car insurance if they have a bad driving record. This is because insurers view them as a greater risk, and thus insurers charge higher premiums to offset the potential for losses.
MoneyGeek’s Pick: State Farm
pros
An affordable State Farm full coverage policy for a 40-year-old driver with an accident on their record costs $1,676 per year
Even with a driving violation, State Farm offers various discounts to help you save on car insurance
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction rating of 4.5 out of 5
cons
Does not offer accident forgiveness
Does not offer unique coverages
COMPANY HIGHLIGHTS
If you have an accident or violation on your record, it’s important to look for a company that balances great service with affordability, as rates will generally be higher with a violation on your record. State Farm offers the coverage you need at a price you can afford.
For rideshare drivers who get in an accident, State Farm’s rideshare insurance policy can help cover expenses for you, so you can recover and get back on the road as soon as possible.
State Farm offers several discounts to its policyholders, including a discount for defensive driving and a driver's education discount. These discounts can help policyholders save money on their premiums while promoting safe driving habits.
Best Car Insurance With a Military Background in Atlanta
As in most cities, USAA offers the best combination of low rates and user satisfaction for car insurance for military members in Atlanta. In Atlanta, USAA earned a nearly perfect score of 99 out of 100 from MoneyGeek.
This score is based on different coverage levels and driver backgrounds, including young drivers, older drivers and those with violations.
USAA is usually excluded from MoneyGeek's rankings because it only caters to military members and their families, but it is worth considering if you are eligible.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy costs $931 annually for a 40-year-old driver.
Offers five of the most common discounts, including safe driving, defensive driving and good student
MoneyGeek claims rating of 5 out of 5
MoneyGeek satisfaction rating of 4.5 out of 5
cons
Only offers three coverages that are commonly featured in other insurance policies, such as missing gap insurance, better car replacement and deductible modification
Only available to military members, veterans and their families
COMPANY HIGHLIGHTS
USAA is a top-rated insurance provider that consistently scores high ratings for its affordable rates and great service, making it a perfect choice for military drivers.
Its standard coverage offerings are roadside assistance, rental car and/or travel reimbursement and accident forgiveness. Roadside assistance includes towing, jump-starts, flat-tire changes and more. Rental car and/or travel reimbursement help you cover the cost of a rental car or public transportation if your vehicle is disabled in an accident. Accident forgiveness means that your rates won't go up after your first at-fault accident. USAA doesn’t offer coverages other than those three.
USAA offers many discounts to its customers, including bundling, multiple car, good student, safe driving and defensive driving. It also has a loyalty discount for customers who have been with the company for a number of years.
Methodology
MoneyGeek ranked car insurance companies based on data collected from providers in Atlanta, Georgia, and evaluations made by industry leaders, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). MoneyGeek's rating system is designed to help consumers save money on car insurance by providing them with the information they need to make decisions.
To find the best car insurance in Atlanta for different driver profiles, MoneyGeek applied the following weights to each assessment category:
- Affordability (70%): MoneyGeek analyzed the average prices of different insurers in Atlanta and ranked them accordingly. The one that had the lowest cost was given a perfect score.
- Customer and claims satisfaction (20%): MoneyGeek looked at surveys from J.D Power and measured customer satisfaction for each provider based on service and claims, each weighted at 10%.
- Financial stability (10%): MoneyGeek used AM Best ratings to assess an insurer's capability to keep its claims-paying obligations during periods of economic volatility.
Each category’s score is scaled to five points, with the overall score being scaled to 100 points. MoneyGeek's overall affordability score is based on a variety of factors, including age, driving record and coverage levels.
Based on MoneyGeek’s methodology, car insurance premiums reflect the average costs for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability.
- Comprehensive and collision coverage with a $1,000 deductible
To learn more about our scoring process, visit MoneyGeek's car insurance methodology page for comprehensive and detailed information.
About Mark Fitzpatrick
sources
- Insurance Information Institute. "What is auto insurance?." Accessed May 12, 2022.