bestauto insuranceAtlantaCompare the Cheapest Car Insurance Quotes in Atlanta, GA
The average cost of car insurance in Atlanta is $1,638 per year, which is identical to the state average for Georgia. The cheapest insurance provider is USAA, with an average cost of $931 per year. To find a rate that fits your profile, MoneyGeek also analyzed the cheapest insurance provider based on coverage amount and driving history. If you prioritize quality as well as cost, we have also recommended the best insurance providers in Atlanta to help you make an informed choice.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
Car insurance rates depend on your preferences and profile. Nationwide is Atlanta’s cheapest car insurance provider. For minimum liability policies, GEICO has the cheapest rates. State Farm is the most affordable provider for drivers with a speeding ticket. USAA presents the cheapest options for drivers who are military personnel. MoneyGeek’s best-rated auto insurance in Atlanta is Auto-Owners Insurance Co, as it balances cost and customer service.
bestauto insuranceAtlantaThe Cheapest and Best Car Insurance in Atlanta
The Cheapest Car Insurance Companies in Atlanta
Because a full coverage car insurance policy includes liability, comprehensive and collision coverages, it financially protects the driver from most circumstances.
MoneyGeek’s research reveals these companies offer the cheapest full coverage policies for an average driver in Atlanta:
- Nationwide: $1,372 per year
- Allstate: $1,394 per year
USAA offers a more affordable rate at $931 per year, but it’s only available for drivers who are current military personnel, veterans, or their family members.
Our study shows that Nationwide, Atlanta’s cheapest provider, is 62% less expensive than Progressive, the city’s most expensive provider.
Cheapest Car Insurance in Atlanta
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$931
- 2.$1,372
- 3.$1,394
- 4.$1,414
- 5.$1,447
Following MoneyGeek’s methodology, the auto insurance rates in this guide are for a 40-year-old male driver in Atlanta with a full coverage policy.
A full coverage auto insurance policy includes comprehensive and collision coverages, along with the state’s minimum required coverages. It offers extensive financial protection in case of an accident, but it is more expensive than a minimum coverage policy.
- Comprehensive Coverage: Pays for repairs from damages due to the weather, theft, falling objects and other damages not caused by a collision.
- Collision Coverage: Covers vehicle repair expenses if you’re in an accident.
Note that full coverage insurance can be more expensive than your car’s actual replacement worth if you have an older car. In that case, liability-only or state minimum insurance is recommended to obtain the most affordable rates possible.
Compare Car Insurance Rates in Atlanta
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Atlanta for Minimum Coverage
A state minimum policy is ideal if you’re looking for the cheapest car insurance offers in Atlanta. Such policies are significantly more affordable, but they do expose you to financial risks in case of an accident since they don’t have comprehensive and collision coverages.
These companies present the cheapest state minimum policies in Atlanta:
- GEICO: $722 per year
- State Farm: $780 per year
At $493 annually, USAA provides the most affordable state minimum policies in Atlanta for eligible drivers who are part of the military. It’s $944 cheaper than the city’s most expensive state minimum provider, Metlife.
Toggle the table below to see how liability coverage affects car insurance rates.
Cheapest Minimum Liability Car Insurance in Atlanta
State Minimum
- CompanyState Minimumper year
- 1.$493
- 2.$722
- 3.$780
- 4.$796
- 5.$841
Georgia requires its drivers to have a minimum coverage policy, with coverages for bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage.
A minimum coverage policy is Atlanta’s cheapest auto insurance and will save substantially on your monthly premiums. However, due to its limited coverage, you may end up paying more in case of an accident.
A liability insurance policy in Georgia only covers $25,000 for bodily injuries per person. If you’re at fault in a car accident and the other party’s medical expenses reach $35,000, you’ll have to pay $10,000 by yourself.
Georgia Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Atlanta if You Have Driving Violations
Your car insurance rates can go up in the event you get a speeding ticket, a DUI, an at-fault accident or any other driving violation. Over time, you can seek to improve your driving record and to have your premium lowered.
In the meantime, comparing car insurance offers is your best option to find optimal deals. MoneyGeek ranked Atlanta’s most affordable car insurance companies for drivers with a driving record:
- Cheapest after a ticket: State Farm, $1,545 per year
- Cheapest after an at-fault accident: State Farm, $1,676 per year
- Cheapest after a DUI: State Farm, $1,545 per year
Drivers employed by the military and their family members may be eligible to obtain a policy USAA, which offers the cheapest auto insurance rates in Atlanta for drivers with speeding tickets or at-fault accidents.
Cheapest Car Insurance in Atlanta With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,074
- 2.$1,545
- 3.$1,578
- 4.$1,579
- 5.$1,675
Average Cost of Car Insurance in Atlanta
Atlanta$1,638
Georgia$1,638
U.S.$1,424
The average annual car insurance rate in Atlanta is $1,638, which is the same as the Georgia average but higher than the national average. Atlanta drivers typically pay about 15% more than the nationwide average rate.
Personalized Quotes to Get You the Cheapest Car Insurance in Atlanta
To give you accurate car insurance quotes in Atlanta, insurance providers analyze a number of aspects to evaluate your risk, including your gender and age, coverage level, marital status and more. With Country Financial in Atlanta, their policy for an 18-year-old male driver is more than twice as expensive as comparable coverage for a 40-year-old driver. Due to changes in life circumstances and other evolving elements, drivers should regularly obtain a tailored quote to find the cheapest rates.
Compare Car Insurance Rates in Atlanta
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Atlanta
MoneyGeek ranked the best car insurance companies in Atlanta to help you find a provider that offers affordability and quality service.
Our study shows that, on average, the best car insurance companies in Atlanta are:
- Auto-Owners: MoneyGeek score of 90 out of 100
- ALFA: MoneyGeek score of 88 out of 100
USAA earned the highest score in Atlanta following MoneyGeek’s rating system. However, because it’s only available to active military members, veterans and their families, we did not list it as best overall.
To determine scores out of 100, MoneyGeek uses various factors, including J.D. Power user satisfaction, affordability and financial stability findings.
1
State Farm
Score:82
2
Country Financial
Score:78
3
GEICO
Score:78
4
Allstate
Score:76
5
Nationwide
Score:71
6
Mercury
Score:58
7
MetLife
Score:46
8
Esurance
Score:43
9
Progressive
Score:27
Average Cost of Car Insurance by Postal Code
Your ZIP code also dictates the car insurance premium you’ll need to pay. This relation is because some regions have a higher incidence of car thefts, accidents and uninsured motorists, which makes those regions risky for auto insurance providers. In Atlanta, residents of the 30319 ZIP code will pay about $366 less annually for car insurance compared to the city’s costliest ZIP code for auto coverage, which is 30349.
- Zip CodeState Minimumper year
- 30319$1,437
- 30318$1,613
- 30331$1,698
- 30349$1,803
Factors That Impact Insurance Costs in Atlanta
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Atlanta. How Atlanta ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About the Author
