Cheapest Car Insurance in Atlanta, GA (2025)

Atlanta drivers pay an average of $1,308 per year for minimum coverage and $2,244 per year for full coverage. Atlanta has some of Georgia's highest rates due to heavy traffic density and increased accident rates. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO has Atlanta's cheapest minimum coverage at $701 per year ($58 monthly). That's 46% lower than the city average of $1,308, saving you $607 annually. Auto-Owners ranks second for minimum coverage at $732 per year ($61 monthly), a 44% savings compared to the city average.
• Cheapest full coverage: Auto-Owners offers the lowest full coverage at $1,591 annually ($133 monthly), 29% below the city average of $2,244. That's $653 in annual savings. GEICO's full coverage costs $1,706 per year ($142 monthly), which is still 24% below the city average but $115 more than Auto-Owners' annual coverage.

Young drivers in Atlanta experience the highest car insurance rates, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Atlanta by age group:

• Adults: GEICO and Auto-Owners lead with the lowest monthly rates
• Seniors: GEICO remains the most affordable, followed by Auto-Owners
• Young drivers: Auto-Owners and Central offer the best value for younger motorists

Young drivers can reduce their premiums through GEICO's Good Student discount of up to 15% for maintaining a B average. Its Family Pricing Program keeps teens on parents' policies. Senior drivers benefit from Auto-Owners' Mature Driver discounts and defensive driving courses.

You can find cheaper coverage in Atlanta with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Atlanta by violation type:

• Accident: Central at $80 and GEICO at $87 monthly
• Ticket: Auto-Owners at $68 and GEICO at $69 monthly
• DUI: Auto-Owners at $126 and Progressive at $144 monthly

Minor violations stay on your record for three years in Georgia, with rates decreasing once they lapse.

Atlanta neighborhoods show dramatic differences in car insurance costs based on location. Residents in ZIP code 30311 experience the highest rates at $272 monthly for full coverage, while those in 30327 enjoy the most affordable premiums at just $149 monthly.

Auto-Owners achieves 96 out of 100 on MoneyGeek's rating scale, establishing itself as Atlanta's premier car insurance provider. GEICO follows with a 91 out of 100 score. 

Auto-Owners claims the top spot for both customer experience and affordability through our comprehensive evaluation of agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews.

Auto-Owners delivers a good customer experience. GEICO demonstrates competitive strength in affordability. Both have good financial stability.

See below for why each insurer is best and which fits your needs.

Atlanta drivers experience some of Georgia's highest car insurance costs. Shop around, reduce your premiums and select the right coverage:

Our insurance experts answer questions about finding cheap car insurance in Atlanta:

We analyzed hundreds of thousands of quotes from major insurers using data from the Office Of Insurance and Safety Fire Commissioner and Quadrant Information Services. Our research covered all Atlanta ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Georgia's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing storm damage claims or handling theft reports in high-crime neighborhoods.

Coverage options (10%): More choices mean better odds of matching coverage to Atlanta risks like uninsured motorists, auto theft and hail damage in densely populated areas.