BestCar InsuranceAtlantaBest Car Insurance Companies in Atlanta, GA
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Ensure you're getting the best rate. Review quotes from a top insurance company.
Your driver profile and needs may affect which company is your best option in Atlanta.
Country Financial is overall the best car insurance company and is also ideal for young adults, seniors and drivers with a moving violation. Auto-Owners is the best option for minimum coverage and customer service. Allstate is the top choice for drivers with a new car or a teen on a family policy.
If saving money is a priority, look at MoneyGeek’s picks for the cheapest car insurance in Atlanta.
BestCar InsuranceAtlantaTable of Contents (Jump to Your Best Fit)
Best Overall - Country Financial
Best for Customer Service - Auto-Owners Insurance
Best Cheap - Auto-Owners Insurance
Best for Young Adults - Country Financial
Best for Teens - Allstate
Best for Seniors - Country Financial
Best for Driving Offenses - Country Financial
Best for New Cars - Allstate
Best Overall Car Insurance in Atlanta
The following are the best car insurance companies in Atlanta for full coverage:
- Country Financial: MoneyGeek score of 81 out of 100 ($910 per year)
- Auto-Owners: MoneyGeek score of 78 out of 100 ($988 per year)
Country Financial ranked the highest for customer satisfaction and affordability.
USAA car insurance may suit you best if you have a military background. It has a MoneyGeek score of 82 out of 100.
The best car insurance company in Georgia is Auto-Owners, with a score of 92 out of 100. Its average statewide premium ($778 per year) is less than that of the best insurer in Atlanta.
How was this MoneyGeek score calculated?
pros
Ranked #1 for affordability out of seven other insurance providers
Ranked the highest for customer satisfaction
Provides add-on safety glass and personal effects coverages
cons
Below-average score for claims management
No accident forgiveness coverage
COMPANY HIGHLIGHTS
Although Country Financial doesn’t offer many add-on coverages, it does have rare coverages like safety glass and personal effects.
The safety glass coverage is essential to ensure you get compensation in case of damage to your vehicle’s windshield, windows or headlights. You won’t pay the comprehensive coverage deductible with this on your policy.
You should get personal effects added to your policy if you want protection against the theft of your laptop or cellphone from your vehicle.
Country Financial offers other optional coverages, including new car replacement and rental car and trip interruption coverage.
The new car replacement coverage helps you get a brand new car of the same make and model if you total your vehicle. But your car must be up to three model years old.
If you have an accident more than 100 miles away from home, rental car and trip interruption coverage pays the cost of your rental vehicle, transportation, lodging, meals and other expenses.
How the Best Insurers in Atlanta Rank: MoneyGeek Scores and Costs
The analysis of seven insurance providers in Atlanta shows Country Financial is the best option for car insurance, as it offers the cheapest full coverage policy at an average of $910 per year and ranks the highest for customer service. Auto-Owners, the second-best option, ranks the highest for claims management, but its customer support and affordability scores are lower than Country Financial.
MoneyGeek scored insurers only if sufficient data could be found for all individual scoring components.
Best Car Insurance in Atlanta for Customer Service
The following auto insurance companies offer the best customer support in Atlanta and may suit drivers who aren't concerned about the cost of a full coverage policy:
- Auto-Owners: MoneyGeek score of 66 out of 100 ($988 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($910 per year)
Auto-Owners has the highest score for available coverages (it ties with a couple of other companies) and claims management.
Although it offers good customer service, the company doesn't charge expensive rates for auto insurance in Atlanta.
How was this MoneyGeek score calculated?
pros
Ranked the highest for claims management compared to seven other insurance providers
Scored the highest for available coverages
Offers add-on diminished value coverage and a package of various coverages
cons
Does not offer rideshare insurance
COMPANY HIGHLIGHTS
Besides good customer service, you can get rare add-on coverages like diminished value coverage and a package with many coverages with Auto-Owners.
When your car gets into an accident, it loses its value and isn’t worth as much as before — even if you get it repaired. The diminished value coverage helps you get compensation for the reduction of your vehicle’s value.
Auto-Owners also offers the Personal Automobile Plus Package, which has over 10 coverages at a competitive rate. These coverages pay for various expenses, including identity theft and rekeying locks.
The accident forgiveness coverage that Auto-Owners offers helps you avoid an increase in your premium if you did not have any at-fault claims or serious moving violations for the previous 36 months.
What Makes an Insurer Best for Customer Service?
An insurance provider that offers excellent customer service will handle your claims fairly and promptly. Such an insurer will also hear your concerns and address them.
Auto-Owners has the highest claims management score and offers many coverages, making it the best choice for customer service-oriented car insurance in Atlanta. Although Country Financial ranks higher for customer satisfaction, the company doesn’t have many coverage options and has a below-average score for claims management.
Best Cheap Car Insurance in Atlanta
MoneyGeek analyzed the cost and service quality of insurers for a policy that meets Georgia’s minimum coverage requirements in Atlanta and found the following best options:
- Auto-Owners: MoneyGeek score of 84 out of 100 ($423 per year)
- Country Financial: MoneyGeek score of 79 out of 100 ($451 per year)
A minimum coverage policy in Atlanta costs the least but offers the lowest liability protection. Plus, you won’t have coverage against damage to your vehicle with this policy.
The minimum car insurance requirements in Georgia apply to every city.
How was this MoneyGeek score calculated?
pros
An affordable minimum coverage policy costs an average of $423 per year
Discounts for bundling, airbags and honing device
Ranked the highest for available coverages and affordability
cons
Average customer satisfaction score
COMPANY HIGHLIGHTS
Based on MoneyGeek’s analysis, Auto-Owners offers the lowest rate for a minimum coverage policy in Atlanta. It also allows you to add many common and rare coverages to your policy.
To save on your premium, you can benefit from various common discounts. The company offers a discount for bundling different policies, insuring multiple cars and having a good driving history.
There are also many rare discounts available. For instance, the insurer may charge you a lower premium if you have anti-lock brakes installed in your vehicle. You can also qualify for a discount for paying your premium on time for the previous 36 months, enrolling in paperless billing or paying your annual policy premium in full.
What Makes an Insurer the Best Cheap Option?
You should opt for an insurer that offers a minimum coverage policy with an affordable rate alongside good customer service.
MoneyGeek found Auto-Owners is the best minimum coverage insurance provider because of its affordable rates and good customer satisfaction rating alongside available coverages. Country Financial charges a slightly higher rate, but the company doesn’t rank well for claims management or coverages.
Best Car Insurance in Atlanta for Young Adults
MoneyGeek discovered the following companies are ideal for young adults looking for full coverage car insurance in Atlanta:
- Country Financial: MoneyGeek score of 77 out of 100 ($1,311 per year)
- Auto-Owners: MoneyGeek score of 75 out of 100 ($1,426 per year)
Country Financial ranks the highest for customer satisfaction and second highest for affordability. These scores show it offers one of the cheapest rates and manages policyholders’ concerns well.
How was this MoneyGeek score calculated?
pros
Ranked #1 for customer satisfaction out of seven insurance providers
Offers a good student discount
cons
Does not score well for claims management or available coverages
COMPANY HIGHLIGHTS
Country Financial has the highest customer satisfaction score in Atlanta, which shows it ranked well in J.D. Power’s customer satisfaction study and the NAIC customer complaint index — receiving few complaints. It’s also one of the most affordable options in Atlanta.
If you're a young driver, you might benefit from the good student discount Country Financial offers. It will help you lower your premium if you have a B grade point average as a full-time student. College graduates may also qualify for the discount, regardless of GPA.
The insurer also provides many common add-on coverages, including roadside assistance. It helps you get compensation of up to $100 for expenses like towing, labor charges, delivery of fuel and repair parts.
What Makes an Insurer Best for Young Adults?
Young drivers should purchase a policy from a company that offers various discounts or coverages that are helpful for them and affordable rates and good customer service.
MoneyGeek chose Country Financial as it offers one of the cheapest full coverage policies in Atlanta and has fewer customer complaints due to exceptional service. Auto-Owners is more expensive for young drivers and does not score as well for customer satisfaction.
Best Car Insurance in Atlanta for Teens and Their Families
The following insurance providers offer the best car insurance for teens on a family policy with full coverage in Atlanta:
- Allstate: MoneyGeek score of 72 out of 100 ($2,212 per year)
- Auto-Owners: MoneyGeek score of 69 out of 100 ($3,344 per year)
Allstate scores the highest for affordability in Atlanta and has an above-average score for available coverages. Choosing a car insurer with an affordable rate as a teen is very important because policy costs are high due to your inexperience on the road.
Teens on a family car insurance policy save a great deal of money. For example, a 16-year-old male driver in Atlanta pays an average of $6,006 annually for their own policy, while being on a family policy costs roughly $2,894 per year. Be aware: a teen under 18 cannot legally purchase car insurance (in most cases) without a parent or guardian as a co-signer.
How was this MoneyGeek score calculated?
pros
Offers the most affordable car insurance for a teen on a family policy
Multiple add-on coverages are available, including gap insurance and accident forgiveness
Provides distant and good student discounts
cons
Ranked last for customer satisfaction out of five insurers
COMPANY HIGHLIGHTS
Allstate provides the most affordable full coverage car insurance for a teen on a family policy in Atlanta. The company also has many available add-on coverages to extend your policy’s benefits.
Teens on a family policy can benefit from the student-related discounts Allstate offers to lower policy costs. For instance, it offers a discount to students who study at an institution more than 100 miles from home.
Teens may also get a discount on their premium based on their GPA or if they take a driver’s education program.
Allstate offers coverages like gap insurance, which pays the difference between your vehicle’s value after an accident and your remaining loan or lease amount.
What Makes an Insurer Best for Teens?
The ideal insurance company for teens should offer an affordable rate, as insurers generally charge a pretty expensive amount to teen drivers. The insurer should also offer discounts tailored to teen drivers and coverages like roadside assistance and accident forgiveness.
Allstate charges the lowest price for a teen on a family policy in Atlanta and has the coverages mentioned above, plus teen-focused discounts, making it the best option for teen drivers in the city.
Best Car Insurance in Atlanta for Seniors
MoneyGeek found the following companies offer the best car insurance for seniors in Atlanta with full coverage:
- Country Financial: MoneyGeek score of 81 out of 100 ($792 per year)
- Auto-Owners: MoneyGeek score of 71 out of 100 ($1,059 per year)
Country Financial offers the cheapest policy and ranks the highest for customer satisfaction. That means you don’t have to pay a lot for car insurance to get quality service.
Insurance companies generally charge the same rates to insure drivers in their 60s as they charge to insure drivers in their 30s through their 50s. But the policy costs increase for drivers in their 70s. Shopping around and comparing quotes helps seniors in Atlanta save money on car insurance.
How was this MoneyGeek score calculated?
pros
Ranked #1 for customer satisfaction out of seven insurance companies
Most affordable full coverage policy at an average cost of $792 per year
Offers safety glass coverage, new car replacement and roadside assistance
cons
Below-average scores for claims management and available coverages
COMPANY HIGHLIGHTS
Country Financial has the highest score in Atlanta for customer satisfaction, which shows its customers did not register many complaints against its service. It’s also ideal if you want the cheapest rate as a senior driver in Atlanta.
Seniors can get roadside assistance and rental car and trip interruption coverage with this insurer. The roadside assistance covers expenses like towing, delivery of fuel, repair parts and labor charges. However, it has a maximum limit of $100.
Rental car and trip interruption helps you pay for transportation, lodging and meals if you have an accident away from home. It covers the rental car costs up to $800.
What Makes an Insurer Best for Seniors?
Seniors should look for an insurer that provides an affordable rate, given that they are seen as safe drivers, and discounts applicable to them to further save on auto insurance in Atlanta.
Even as safe drivers, seniors may want to consider adding medical payments coverage to their auto insurance policy for added financial protection.
Country Financial stands out because of its high customer satisfaction score and cheapest full coverage policy. It also offers a safe driving discount. On the other hand, Auto-Owners charges a higher premium and has an average customer satisfaction score.
Best Car Insurance in Atlanta for Drivers With Offenses
MoneyGeek found the following insurance providers offer the best full coverage car insurance for drivers with offenses in Atlanta:
- Country Financial: MoneyGeek score of 81 out of 100 ($1,498 per year)
- Auto-Owners: MoneyGeek score of 78 out of 100 ($2,039 per year)
Country Financial is second for affordability and ranks the highest for customer satisfaction. Both are important with a moving violation since costs go up afterward, and you want to pay a fair price, which increases your satisfaction with the company.
Your insurance premium might significantly increase depending on your traffic offense. For instance, we found that Atlanta drivers with a DUI pay an average of $2,444 annually for full coverage. But drivers with a speeding ticket pay an average of $1,599 annually for that policy. With a clean record, the average annual full coverage premium is $1,282.
How was this MoneyGeek score calculated?
pros
Scored the highest for customer satisfaction among seven insurance providers
Ranked #2 for affordability
Provides new car replacement, rental car and trip interruption and roadside assistance
cons
Does not rank well for claims management or available coverages
COMPANY HIGHLIGHTS
Country Financial is the best car insurance for drivers with offenses in Atlanta. It scored the highest for customer satisfaction based on J.D. Power’s study and the NAIC customer complaint index. Although the insurer does not charge the cheapest rate, it offers the second-most affordable full coverage policy.
Country Financial lets you add coverages like new car replacement, roadside assistance and rental car and trip interruption to your policy.
The new car replacement coverage will benefit you if your car gets totaled in an accident. It helps you get a new car of the same make and model, but your car must be up to three model years old.
If your vehicle breaks down, you can get compensation for expenses like towing and fuel delivery with roadside assistance coverage. The rental car and trip interruption coverage pays for the rental car or transportation expenses in case of an accident.
What Makes an Insurer Best for Drivers With Offenses?
The best insurer for drivers with offenses offers an affordable rate and discounts to help them lower their policy costs because they may pay significantly more due to their driving history.
Country Financial is the best car insurance for such drivers in Atlanta because it offers quality service with a cheap rate and various discounts, such as bundling and anti-theft system. Auto-Owners charges a significantly higher rate, which makes it a less ideal choice.
Best Car Insurance in Atlanta for Drivers With New Cars
The best car insurance company in Atlanta for drivers with new cars is Allstate, charging an average of $1,423 per year for full coverage. It has a MoneyGeek score of 73 out of 100.
After analyzing the policy cost and service quality of companies for drivers with a 2022 model car in Georgia, Allstate came out as the best choice. The analysis was limited to insurers that offer new or better car replacement coverage.
New car replacement coverage helps you get a new car of the same make and model if your vehicle is totaled in an accident. However, specific terms apply.
Allstate offers a low-priced full coverage policy and scores well for available coverages and customer satisfaction.
How was this MoneyGeek score calculated?
pros
Offers new car replacement coverage
Scored well for available coverages
Provides an affordable full coverage policy at an average cost of $1,423 per year
cons
Average score for customer satisfaction
COMPANY HIGHLIGHTS
Besides new car replacement coverage, Allstate offers many other common and rare coverages as additions to its policies. It also offers a good rate for full coverage with a new car in Atlanta — charging roughly $1,423 annually.
Allstate offers policyholders a brand new car if they total their car in an accident. But the car must be two years old or less.
The company offers other coverages like portable electronics and media and custom parts. The portable electronics and media coverage protects items associated with a car’s sound system.
Custom parts coverage compensates for damage to equipment like special carpeting, custom murals, decals and graphics.
Allstate also has a new car discount that can lower the cost of car insurance and other discounts that may apply, such as anti-lock brakes and anti-theft system.
What Makes an Insurer Best for Drivers With New Cars?
The best car insurance company for drivers with new cars offers new car replacement coverage, which is why MoneyGeek picked Allstate as the ideal insurer in Atlanta. The insurer also offers a low rate in Atlanta and a discount for having a new car.
How to Find the Best Car Insurance in Atlanta for You
When choosing the best car insurance in Atlanta, you should opt for an insurer that balances cost, service reputation and financial stability. Although you can benefit from our resources, go through the following steps if you want to do it yourself.
1
Research customer service reputations in Atlanta
MoneyGeek collected many different insurers' relevant customer service data, but you can analyze information from J.D. Power and the NAIC complaint index for your research. Since all data is gathered at the state level, Georgia's Office of the Insurance and Safety Fire Commissioner (OCI) is also a great resource.
2
Compare quotes
We collected quotes from various insurers for our sample driver profile. However, as rates may change based on many factors, MoneyGeek recommends gathering quotes from at least three different insurers to understand your potential policy cost.
3
Find the coverages you want in Atlanta
In many instances, insurance companies advertise specific discounts and coverages they do not offer in every location. Before you finalize your choice of insurer, contact and ask them if they offer a particular discount or coverage in your area.
4
Check financial stability ratings
You should also research and analyze an insurer’s financial stability rating, which may affect your claims processing and settlement time. Large insurance companies are usually more financially stable; smaller regional companies may have lower ratings.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Atlanta
The best car insurance in Atlanta will vary based on your needs and other factors. These frequently asked questions help you understand insurance options.
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