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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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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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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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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

  • Item
    Description
  • 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
Full Coverage
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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.

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 Code
    State Minimumper year
  • 30319
    $1,437
  • 30318
    $1,613
  • 30331
    $1,698
  • 30349
    $1,803
iconribbontop ratedCar Insurance agentsAtlanta2021

Top Agents Offering Affordable Car Insurance in Atlanta

1. Lindsay Mullen - State Farm Insurance Agent2250 N Druid Hills Rd NE, Suite 145, Atlanta, GA, 30329
24 ratings
2. Quentin Franklin - State Farm Insurance Agent587 Virginia Ave NE, Unit 3A, Atlanta, GA, 30306
5 ratings
3. Bryant Thompson - State Farm Insurance Agent2230 Cascade Rd SW, Atlanta, GA, 30311
3 ratings
4. Glynn Lockaby - State Farm Insurance Agent2926 Piedmont Rd NE, Atlanta, GA, 30305
3 ratings
5. Kaitlin Ponce - State Farm Insurance Agent2285 Peachtree Rd NW, Ste 204, Atlanta, GA, 30309
13 ratings

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.

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Most Accidents With Fatalities45th/300
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Most Car Thefts164th/300
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Most Uninsured Motorists by State25th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall43rd/300
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Most Rainy Days96th/300

Shopping around for car insurance in Atlanta could save you $266, which is enough to buy:


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89Cups of Coffee
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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.

Compare Car Insurance Rates in Atlanta

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.