The Best Car Insurance in Atlanta, GA, for 2022

The best auto insurers balance affordability, customer satisfaction and financial stability. State Farm is the best in Atlanta, with a MoneyGeek score of 82 out of 100. However, the right company for you depends on your age and needs.

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Last Updated: 8/12/2022
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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.

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The Best Car Insurance in Atlanta

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

4.1/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 Review
2
Country Financial
Score:78

3.7/5

Affordability

4.2/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 Review
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RESOURCES 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

GEICO

pros

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A minimum coverage policy costs $722 annually

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Offers discounts for safe driving, good academic records and anti-lock brakes

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek satisfaction rating of 4.5 out of 5

cons

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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.

Read MoneyGeek's GEICO Auto Insurance Review

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

Country Financial

pros

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An affordable full coverage policy from Country Financial for a safe driver costs $3,695 annually

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Offers discounts for good students and those who completed their driver’s education course

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MoneyGeek satisfaction rating of 4.5 out of 5

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MoneyGeek claims rating of 4.17 out of 5

cons

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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.

Read MoneyGeek's Country Financial Auto Insurance Review

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

State Farm

pros

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An affordable State Farm full coverage policy for a 70-year-old safe driver costs $1,369 per year

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Offers a defensive driving discount after completing a course

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek satisfaction rating of 4.5 out of 5

cons

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Does not offer a discount specifically for seniors

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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.

Read MoneyGeek's State Farm Auto Insurance Review

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

State Farm

pros

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An affordable State Farm full coverage policy for a 40-year-old driver with an accident on their record costs $1,676 per year

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Even with a driving violation, State Farm offers various discounts to help you save on car insurance

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek satisfaction rating of 4.5 out of 5

cons

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Does not offer accident forgiveness

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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.

Read MoneyGeek's State Farm Auto Insurance Review

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

USAA

pros

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An affordable full coverage policy costs $931 annually for a 40-year-old driver.

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Offers five of the most common discounts, including safe driving, defensive driving and good student

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MoneyGeek claims rating of 5 out of 5

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MoneyGeek satisfaction rating of 4.5 out of 5

cons

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Only offers three coverages that are commonly featured in other insurance policies, such as missing gap insurance, better car replacement and deductible modification

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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.

Read MoneyGeek's USAA Auto Insurance Review

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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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