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.
Compare the Cheapest Car Insurance Quotes in Atlanta, GA
The Cheapest and Best Car Insurance in Atlanta
The Cheapest Car Insurance Companies in Atlanta
For a full coverage policy, the most affordable insurance providers in Atlanta are:
- USAA: $931 per year (available only to military members and families)
- Nationwide: $1,372 per year
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.
These prices are based on a sample driver profile of a 40-year-old male driver with a full coverage policy. A full coverage policy includes liability insurance, which covers the cost of other affected parties and damages and comprehensive and collision insurance, which cover damages to your own vehicle.
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Average Cost of Car Insurance in Atlanta
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.
The Best Car Insurance Companies in Atlanta
According to MoneyGeek’s scoring system, the best car insurance companies in Atlanta for most drivers are:
- Auto-Owners: MoneyGeek score of 90 out of 100
- ALFA: MoneyGeek score of 88 out of 100
USAA received the highest score in Atlanta by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The MoneyGeek scoring system uses information from J.D. Power indicating important factors like financial stability, user satisfaction and affordability.
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.
Shopping around for car insurance in Atlanta could save you $266, which is enough to buy:
Cheapest Car Insurance in Atlanta by Coverage Amount
Whether you buy insurance in Atlanta or elsewhere, one of the factors that affect your prices the most is the amount of coverage you choose to purchase. A policy that only meets the state minimum requirements in Atlanta costs an average of $977 per year, while a full coverage policy with higher liability limits costs an average of $1.638 per year. That is a difference of $661 annually.
Georgia Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Atlanta if You Have Driving Violations
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
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
Top Agents Offering Affordable Car Insurance in 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.
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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