The cheapest car insurance for you may vary depending on your unique driver profile. For example, Country Financial has the most affordable rates for full coverage car insurance, drivers with at-fault accidents, military drivers, seniors and those with poor credit. Allstate is best suited for drivers with DUIs, teens, young adults and those driving sports cars, while Auto-Owners Insurance is the least expensive option for minimum coverage and drivers with speeding tickets.
MoneyGeek also analyzed which providers offer the best car insurance in Atlanta for those looking for providers that balance of service and affordability.
Cheapest Car Insurance in Atlanta, GA
Cheapest Minimum Coverage Car Insurance in Atlanta
MoneyGeek's found that the car insurance companies offering the cheapest minimum coverage policies for most drivers in Atlanta are:
- Auto-Owners Insurance: $423 per year
- Country Financial: $451 per year
State Farm is the most expensive provider included in our study, offering a minimum coverage policy of $766 per year. As of October 2022, Country Financial also offers the cheapest car insurance in Georgia at $321 per year, on average. This difference shows how location and population density play a factor in the cost of auto insurance.
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Georgia’s minimum liability requirements for auto insurance policies cover bodily injuries and property damage with the following limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If you're at fault in an accident and the other driver or their passengers sustain injuries, your insurer will only cover up to $50,000 in medical treatments, with a cap of $25,000 per person. You'll have to shoulder any remaining damages to the other driver (not to mention all costs of damages to you and your vehicle).
Cheapest Full Coverage Car Insurance in Atlanta
The companies offering the most affordable full coverage car insurance in Atlanta are:
- Country Financial: $910 per year
- Auto-Owners Insurance: $988 per year
The most expensive provider in Atlanta is GEICO — full coverage insurance will set you back an average of $1,599 per year. As of October 2022, Country Financial is also your best option for cheap full coverage car insurance in Georgia, where the average policy costs only $675 annually — meaning Atlanta is more expensive than other cities in the Peach State.
Whereas minimum coverage car insurance only has liability coverage, a full coverage policy includes comprehensive and collision insurance.
- Collision insurance: Helps pay for damages to your car from a crash in an at-fault accident. Collisions are not limited to hitting other cars — it also applies if you crash into an object.
- Comprehensive insurance: Covers damages to your car from non-collision-related incidents. These include falling branches, theft, animal damage and vandalism.
Purchasing full coverage car insurance ensures more protection on the road and is recommended for most people. But if you have an older car with little to no value, it may not be worth paying hundreds more to insure it.
Compare minimum and full coverage policies.
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Cheaper insurers could pocket you hundreds of dollars per year.
Cheapest Car Insurance in Atlanta After a Driving Offense
Drivers with violations on their record can find the cheapest auto insurance in Atlanta from the following providers:
- Speeding ticket: Auto-Owners Insurance ($1,114 per year)
- At-fault accident: Country Financial ($1,287 per year)
- DUI: Allstate ($1,460 per year)
In comparison, Progressive has the most expensive average premiums for drivers with speeding tickets and at-fault accidents ($2,132 and $2,974, respectively), while GEICO has the highest rate ($5,934) for those with DUIs. Driving offenses may significantly increase your car insurance premium, so even the most affordable rates for you will still be much higher than for someone without violations.
Comparatively speaking, car insurance premiums generally increase with the severity of the violation. In Atlanta, drivers with DUIs pay an additional $845 per year for car insurance than those with speeding tickets. Fortunately, you don’t have to sacrifice quality to find cheap car insurance with a poor driving record.
Cheapest Car Insurance in Atlanta for Teens and Their Families
The following companies offer the most affordable car insurance for teens on a family policy in Atlanta:
- Allstate: $2,110 for female teens; $2,212 for male teens
- Auto-Owners Insurance: $3,250 for female teens; $3,344 for male teens
Progressive and State Farm offer the most expensive premiums for teens on a family policy. The former has the highest average rate for female teens at $4,312 per year, whereas the latter is the least affordable for male teens at $4,916 per year.
It’s usually less expensive to insure female teens because they tend to be safer drivers. This is the case in Atlanta, where rates for male teens are $102 higher with Allstate and $94 higher with Auto-Owners Insurance. The cost difference tapers off in early adulthood.
Teens looking for cheap auto insurance are better off joining a family policy than purchasing one separately. Full coverage insurance for a 16-year-old on a family policy in Atlanta costs an average of $2,894 per year, but a separate policy for the same teen costs $6,006 — more than double the family rate.
Cheapest Car Insurance in Atlanta for Military Drivers
If you have a military background, the most affordable companies for full coverage car insurance in Atlanta are:
- Country Financial: $910 per year
- USAA: $972 per year
For minimum coverage, Country Financial again offers some of the cheapest auto insurance for military drivers, with an average annual premium of $451. Auto-Owners Insurance is the most affordable liability-only option, costing $423 per year.
How to Compare Cheap Atlanta Car Insurance Quotes Online
The best way to find the cheapest car insurance is to compare online quotes from multiple providers. Usually, this process takes 15 minutes or more and requires entering a lot of personal information into company websites.
MoneyGeek's car insurance calculator can help if you want a quick rate estimate without handing over your information to car insurance companies. It will comb through our data to give you average rates from available companies based on your age, driving record, vehicle and preferred coverage levels.
Auto Insurance Calculator
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Cheapest Car Insurance in Atlanta for Young Adults
You can find cheap car insurance for young adults in Atlanta from the following companies:
- Allstate: $1,139 per year
- Country Financial: $1,311 per year
The most expensive company is GEICO, with an average annual premium of $2,419 for a full coverage policy. Although young adults pay less for car insurance than teens, their rates are still more expensive than older drivers. In Atlanta, on average, drivers in their 20s pay $435 more for full coverage car insurance than drivers in their 40s.
Cheapest Car Insurance in Atlanta for Seniors
These companies have the cheapest car insurance for seniors in Atlanta:
- Country Financial: $792 per year
- Auto-Owners Insurance: $1,059 per year
Progressive is the most expensive for seniors — a full coverage policy costs $1,522 per year. Auto insurance rates for older drivers in Atlanta are actually cheaper than for middle-aged drivers. Forty-year-old drivers in Georgia’s capital pay an average of $1,282 per year, whereas 65-year-olds only spend $1,224.
Cheapest Car Insurance in Atlanta for Poor Credit
Drivers with poor credit standing can find the cheapest full coverage car insurance in Atlanta from these providers:
- Country Financial: $1,361 per year
- Allstate: $1,509 per year
State Farm has the most expensive annual rate at $2,901. Atlanta drivers with poor credit standing pay about 69% more for car insurance than those with good credit scores — approximately $891 per year. Although premiums are usually higher, it's still possible to find cheap auto insurance with bad credit.
Car insurance providers see drivers with poor credit as more likely to file claims, leading to higher rates. Fortunately, there are many ways to reduce insurance costs, such as scoring discounts, bundling policies and shopping around for quotes. Increasing your credit score over time may also result in lower premiums.
Cheapest Car Insurance in Atlanta for Sports Cars
These companies have the cheapest car insurance for sports car drivers in Atlanta:
- Allstate: $1,056 per year
- Auto-Owners Insurance: $1,132 per year
Progressive has the highest average annual rate at $2,063. The type of car you drive may have a considerable effect on your premium. On average, Atlanta drivers with standard vehicles pay $1,282 per year for full coverage auto insurance. Your premium increases by 19% if you drive a Mustang, to $1,525 per year — that's a $243 difference.
MoneyGeek collected quotes for a Ford Mustang to see how car insurance rates may change if you drive a sports car. However, premiums for different models may vary. It’s common for sport, luxury and electric vehicles to be more expensive to insure, and Atlanta is no exception.
Average Cost of Car Insurance in Atlanta
The average cost of auto insurance in Atlanta is $1,282 per year. That's for a full coverage policy with bodily injury liability limits of $100,000 per person and $300,000 per accident, and $100,000 in property damage liability per accident.
Location is one of many factors affecting rates. Compared to the average cost of car insurance in Georgia, Atlanta drivers pay $270 more. Atlanta average rates are slightly more expensive ($17 more) than the national average of $1,265 per year. It is the most expensive city in Atlanta for which MoneyGeek collected quotes, with the next most expensive being Sandy Springs at $1,068 per year.
About Mark Fitzpatrick