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.
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.
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 |
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.
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 |
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.
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.
Authors
Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.
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.
Questions about this page? Email us at editorial@policygenius.com.
