The best car insurance in Atlanta, GA

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 5, 2021

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Atlanta drivers pay an average of $2,137 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 state average for car insurance.

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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 $858 per year for full coverage

  • The average cost of car insurance in Georgia is $1,710

  • 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

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

$858

890

USAA

$1,329

890

Georgia Farm Bureau

$1,456

--

State Farm

$1,749

881

COUNTRY Financial

$1,858

863

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

30303

$2,181

30304

$2,236

30305

$1,942

30306

$1,942

30307

$1,984

30308

$2,025

30309

$1,900

30310

$2,306

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

Georgia Farm Bureau

State Farm

COUNTRY Financial

At-fault Accident

$1,127

$2,015

$1,775

$2,096

$2,634

DUI

$1,569

$2,818

$2,956

$1,933

$3,309

Driving with a suspended license

$1,569

$2,672

$2,956

$1,933

$3,309

Driving with an open container

$1,569

$2,064

$2,956

$1,933

$2,546

Driving with expired registration

$851

$1,737

$1,447

$1,933

$2,546

Driving without Lights

$851

$1,737

$1,447

$1,933

$2,546

Failure to show documents

$851

$1,737

$1,447

$1,933

$2,546

Failure to stop at a red light

$851

$1,737

$1,447

$1,933

$2,546

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

Auto-Owners Insurance

$2,190

GEICO

$2,429

USAA

$2,532

Nationwide

$2,685

Georgia Farm Bureau

$2,741

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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

I’m turning 25 soon, will my rates change?

Drivers turning 25 could see lower rates, but a lot depends on your driving record and the kind of car you drive. Assuming you’ve kept a clean record, however, your rates should go down once you turn 25.

I just moved to Atlanta from out of state, will that cause my insurance to go up?

You’ll need to update your insurance company with your new address and register your vehicle with Georgia. Your rates could be higher or lower, depending on where you moved from.

I got a speeding ticket, will my car insurance go up?

A single speeding ticket can raise your car insurance rates in Atlanta by more than $200 per year.

Methodology

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.