Car insurance in Atlanta is computed based on a number of elements, including your ZIP code. Auto insurance providers pay special attention to your location when they create your premium. To obtain precise car insurance quotes in Atlanta, drivers should obtain an individualized quote based on their unique circumstances.
Compare the Cheapest Car Insurance Quotes in Atlanta, GA
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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.
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The Best Cheap Car Insurance Companies in Atlanta
USAA offers the cheapest car insurance rates in Atlanta. However, this firm only serves U.S. military members and their families. The next most affordable auto insurance company in Atlanta is Nationwide. Their coverage is about 62% less expensive than Progressive, the city’s costliest auto insurance provider.
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- CompanyAmountper year
- 1. USAA$931
- 2. Nationwide$1,372
- 3. Allstate$1,394
- 4. State Farm$1,414
- $1,447
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.
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Cheapest Car Insurance in Atlanta by Coverage Amount
How much car insurance coverage you purchase in Atlanta also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
State Farm presents both 50/100/50 liability-only and full-coverage plans in Atlanta. The 50/100/50 limit indicates coverage for $50,000 in medical bills per person, amounting to $100,000 per vehicle, as well as $50,000 in property damage repair. State Farm’s full-coverage package is about $380 more expensive than its liability-only plan.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$493$568
- 2. State Farm$780$902
- 3. Allstate$841$946
- 4. GEICO$722$949
- 5. Nationwide$897$969
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$852$931
- 2. State Farm$1,282$1,414
- 3. Allstate$1,253$1,394
- 4. GEICO$1,303$1,487
- 5. Nationwide$1,237$1,372
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Cheapest Car Insurance in Atlanta if You Have Tickets
Smart drivers drive defensively, which not only helps them reach home safely but also saves a significant sum in auto insurance premiums. On the other hand, those whose driving records have violations end up paying more. In Atlanta, State Farm policyholders who have a speeding ticket or DUI on their record will need to pay about $131 more per year for their coverage than drivers with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$1,074$1,303$1,805
- 2. State Farm$1,545$1,676$1,545
- 3. Allstate$1,578$1,908$1,891
- $1,792$1,994$2,383
- 5. Nationwide$1,579$2,346$2,853
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
top ratedCar Insurance agentsAtlanta2021Top Agents Offering Affordable Car Insurance in Atlanta
1. Lindsay Mullen - State Farm Insurance Agent2250 N Druid Hills Rd NE, Suite 145, Atlanta, GA, 30329
2. Quentin Franklin - State Farm Insurance Agent587 Virginia Ave NE, Unit 3A, Atlanta, GA, 30306
3. Bryant Thompson - State Farm Insurance Agent2230 Cascade Rd SW, Atlanta, GA, 30311
4. Glynn Lockaby - State Farm Insurance Agent2926 Piedmont Rd NE, Atlanta, GA, 30305
5. Kaitlin Ponce - State Farm Insurance Agent2285 Peachtree Rd NW, Ste 204, Atlanta, GA, 30309
Insurance Providers That Serve Atlanta
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.
Shopping around for car insurance in Atlanta could save you $266, which is enough to buy:
89Cups of Coffee
20Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Atlanta are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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