Best car insurance in Atlanta, GA (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Atlanta drivers pay an average of $2,025 per year for full coverage car insurance. Atlanta roads are often packed with cars and accidents occur almost daily, and more accidents means more claims, which is why Atlanta drivers pay more than the Georgia state average for car insurance.

Ready to shop car insurance?

The easiest way to save money on car insurance is by comparing rates between top companies. Policygenius can help you get quotes and choose the coverage that works best for your budget. 

Key takeaways

  • Auto-Owners Insurance has the cheapest average car insurance rates in Atlanta at $1,270 per year for full coverage.

  • The average cost of car insurance in Georgia is $1,625.

  • Drivers with a low credit score can pay more than double for car insurance than drivers with a good score.

  • The minimum liability car insurance requirements in Georgia are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability.

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Atlanta, GA

Insurance companies all use pretty much the same information to determine car insurance rates. However, each company is different in how it applies factors like your location and driving history. That’s why some companies offer cheaper rates than others.

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$1,270

865

USAA

$1,356

890

Farm Bureau

$1,409

--

COUNTRY Financial

$1,515

--

Central Insurance

$1,629

--

Cheapest car insurance rates by ZIP code in Atlanta, GA

ZIP codes are one of the biggest factors insurance companies use to determine car insurance rates. If your neighborhood has higher crime rates than other parts of town, you’ll probably pay more for car insurance. Other statistics like the number of accidents and access to secured parking in your neighborhood can impact rates too.

ZIP code

Average cost

30327

$1,744

30305

$1,802

30306

$1,805

30326

$1,821

30309

$1,835

30324

$1,843

30307

$1,848

30361

$1,886

30308

$1,894

30345

$1,915

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Choosing the right car insurance company in Atlanta, GA

Atlanta drivers spend a lot of time in their cars, so you want to be sure your insurance company will be there if you’re ever in an accident. Whether you live inside or outside of the Perimeter, congestion is part of daily life.

State law requires all Atlanta drivers to have liability insurance to protect themselves in case they cause an accident, but most drivers need more than the state minimums to be fully protected.

Policygenius can help you see quotes from top companies, so you can choose the right coverage and car insurance company.

Car insurance rates for drivers with driving violations in Atlanta, GA

The interstate system in the Atlanta area is known for construction zones and traffic jams. Two major highways, I-75 and I-85, combine into ten lanes of traffic, and fender benders are common. More traffic means more accident claims and higher rates for everyone, but especially for drivers with previous violations on their records.

The table below shows the average rates for Atlanta drivers with a speeding ticket or other moving violations or their driving history.

Violation

Auto-Owners Insurance

USAA

Farm Bureau

COUNTRY Financial

Central Insurance

At-fault accident

$1,713

$2,058

$1,718

$2,114

$2,602

DUI

$2,448

$2,864

$2,858

$2,555

$3,664

Suspended license

$2,448

$2,718

$2,858

$2,555

$3,664

Open container

$1,255

$2,102

$2,858

$2,168

$3,664

Expired registration

$1,255

$1,770

$1,401

$2,168

$2,114

Driving without lights

$1,255

$1,770

$1,401

$2,168

$2,237

Running a red light

$1,255

$1,770

$1,401

$2,168

$2,237

Following too closely

$1,255

$1,770

$1,401

$2,168

$2,237

Hit and run

$2,448

$3,013

$2,858

$2,555

$3,664

Not-at-fault accident

$1,255

$1,427

$1,401

$1,660

$1,744

Passing a school bus

$1,398

$2,102

$1,401

$2,168

$2,237

Reckless driving

$2,448

$2,102

$2,372

$2,555

$3,664

Speeding

$1,637

$1,770

$1,401

$2,168

$2,237

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Cheapest car insurance for drivers with a DUI in Atlanta, GA

Company

Rates for drivers with DUIs

Auto-Owners Insurance

$2,448

COUNTRY Financial

$2,555

Farm Bureau

$2,858

USAA

$2,864

Central Insurance

$3,664

Cheapest car insurance for drivers with a speeding ticket in Atlanta, GA

Company

Rates for drivers with speeding tickets

Farm Bureau

$1,401

Auto-Owners Insurance

$1,637

USAA

$1,770

COUNTRY Financial

$2,168

Central Insurance

$2,237

Cheapest car insurance for drivers with bad credit in Atlanta, GA

Bad credit is bad news if you’re searching for affordable car insurance. Car insurance companies use your credit score to determine the rates you pay, and a low score means higher rates. Below are the cheapest rates for drivers in Atlanta with bad credit.

Company

Rates for drivers with bad credit

COUNTRY Financial

$2,356

USAA

$2,586

GEICO

$2,645

Farm Bureau

$2,669

Nationwide

$2,673

Ready to shop car insurance?

Buying car insurance in Atlanta, GA

Georgia state law requires drivers to meet the following minimum liability insurance requirements.

  • Bodily Injury Liability coverage per person: $25,000

  • Bodily Injury Liability coverage per accident: $50,000 

  • Property Damage Liability coverage: $25,000

Motor vehicle owners and lessees are required by law to maintain continuous Georgia liability insurance coverage on vehicles with active registrations.

The minimum insurance requirements might not be enough protection for most drivers. If you have a car payment, lease your car, or can’t afford to replace it if it’s totaled, full coverage insurance (which means insurance that includes comprehensive and collision coverage) is a better choice.

  • Comprehensive: Covers damage from things like theft, fire, and vandalism.

  • Collision: Covers damage from collisions with other vehicles or objects.

Atlanta is a fault state when it comes to car accidents. This means that if an accident is your fault, your insurance company pays for damage or injuries to the other party. If the other driver is responsible, their insurance pays.

How to get cheap car insurance in Atlanta, GA

Car insurance is expensive in Atlanta. But many companies offer a variety of discounts to customers that can help make coverage more affordable. Here are some of the most common:

  • Bundling discount: Savings for combining policies, like auto and home or renters, with the same company

  • Multi-car discount: For having more than one car on the same policy

  • Low-mileage discount: For drivers with a shorter commute or who drive less than 7,500 miles annually

  • Safe-driver discount: For drivers without any accident claims during a given time frame

  • Military discount: A discount for active-duty military and their families

These are just a few of the discounts offered by insurers, so be sure to ask about what others may apply to you.

Frequently asked questions

How much is car insurance per month in Georgia?

Drivers in Georgia pay an average of $1,625 per year for car insurance, which breaks down to $135 per month.

Is Georgia an at-fault state?

Georgia is an a-fault state, which means that the driver who is responsible for an accident is financially responsible for all bodily injury and property damage costs caused by that accident. If you are at fault for an accident and don't have enough liability insurance, you will be required to pay the additional costs out of pocket.

Is car insurance in Georgia expensive?

Car insurance rates in Georgia are slightly lower than the national average, but drivers can still save money on car insurance by comparing quotes from multiple companies.

What is minimum insurance coverage in Georgia?

Georgia state law requires drivers to have a minimum of 25/50/25 in liability car insurance. Full coverage isn't required by law, but drivers who have a lease or loan may be required by their contract to have both comprehensive and collision insurance.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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