Cheapest Auto Insurance in Atlanta, Georgia (2024)
Auto-Owners offers the cheapest car insurance in Atlanta, with minimum-coverage policies as low as $76 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
The average cost of car insurance in Atlanta is $260, which is more expensive than Georgia’s average rate of $198. Atlanta is the capital city and the largest city in the state, with a population of around 500,000. Its size and high volume of traffic could contribute to its higher car insurance costs.
Auto-Owners, State Farm, and COUNTRY Financial are the cheapest car insurance companies in Atlanta. However, you may be able to find cheaper rates if you compare car insurance quotes from multiple insurance companies before buying a policy.
Quick Facts
The average cost of full-coverage car insurance in Atlanta is $295 per month, and liability-only coverage is $226.
Full-coverage car insurance costs Atlanta drivers $3,542 per year, on average.
Drivers with DUIs pay the most for car insurance in Atlanta, at an overall average of $435 per month for a liability-only policy.
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Cheapest car insurance companies in Atlanta
With so many auto insurers in Atlanta, it can be difficult to know the right one for you. You should consider factors other than price, such as discounts and coverages, when comparing insurance companies to find the best possible policy for your needs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Hugo | 7.0 | N/A | $273 | Short-term car insurance |
| Auto-Owners | 8.5 | $93 | $58 | Affordability |
| State Farm | 6.8 | $100 | $63 | Families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for short-term car insurance: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $273/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $NaN/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Though not available nationwide, Hugo services residents of Georgia, offering short-term, on-demand car insurance. Atlanta drivers can enjoy lower-than-average rates for car insurance with Hugo, even with a speeding ticket on record. The ability to change your policy directly from your phone is convenient, as is the fee-free late premium payment.
Pros
Mobile app allows for easy policy management
No penalties for late premium payments
Cons
Not all plans available in Georgia
SR-22 insurance not available
Best insurer for affordability: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners utilizes independent agents in 26 states to write home, life, and auto insurance policies. It offers one of the lowest liability-only insurance averages in Atlanta, as well as many discounts, like paperless and paid in full.
Pros
Fewer-than-average number of customer complaints
Multiple discounts available
Cons
Must work with an independent agent
Not the cheapest option for full-coverage policies
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm provides Atlanta families with some of the lowest auto rates in the city, including full-coverage policies and policies for teen and senior drivers. State Farm also has discounts designed for family members of all ages, including student discounts.
Pros
Variety of family-focused discounts
Good financial strength
Cons
Gap insurance not available
Low Trustpilot score
How to get the cheapest car insurance in Atlanta
Many factors affect how much you pay for car insurance, but the insurer you choose is the most important. Many have unadvertised discounts that can help you save money. Others may price their rates low to combat the highly saturated market.
Consider these tips when shopping for the cheapest car insurance in Atlanta:
Raise your deductible. Low deductibles have higher premiums because your insurer is paying more money during a claim. Increasing your deductible can lower your rate by assuming more out-of-pocket expenses for a claim.
Bundle car insurance with another policy. Many insurers offer discounts when you have multiple policies with them. This could be with policies that include two vehicles or a bundle of auto and homeowners insurance.
Comparison shop. Getting new quotes each year can help you find the insurer offering the best rates for the auto coverage you need.
Cheapest liability-only car insurance in Atlanta: Auto-Owners
Liability-only car insurance is the minimum coverage you need to legally drive your vehicle. This coverage pays for the other driver’s damages and injuries when you’re at fault for an accident.
The cheapest insurer for liability-only car insurance in Atlanta is Auto-Owners, with a starting cost of $76 per month.
Each state has its own minimum requirements, so no matter which insurer you choose in Atlanta, its liability-only policy must meet Georgia’s state requirements.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $76 |
| State Farm | $81 |
| COUNTRY Financial | $83 |
| Allstate | $89 |
| USAA | $96 |
| Mile Auto | $100 |
| Progressive | $119 |
| Safeco | $129 |
| GEICO | $133 |
| Mercury | $144 |
| Clearcover | $169 |
| Liberty Mutual | $186 |
| Nationwide | $197 |
| Direct Auto | $198 |
| GAINSCO | $209 |
| AssuranceAmerica | $223 |
| National General | $240 |
| The General | $288 |
| Foremost | $327 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Atlanta: Auto-Owners
Full-coverage car insurance combines liability only with collision and comprehensive insurance, which cover additional damages to your vehicle. Collision insurance covers collisions with cars and other objects, like trees and fences. Comprehensive coverage pays for things like weather and vandalism.
“More than 1 million vehicle thefts were reported across the U.S. in 2022,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute. “This very reasonable optional coverage also covers losses from vandalism, fires, weather hazards, and cracked windshields.”
Auto-Owners has the cheapest full-coverage car insurance in Atlanta, with monthly liability-only rates starting at $122.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $122 |
| State Farm | $131 |
| COUNTRY Financial | $133 |
| Allstate | $143 |
| USAA | $154 |
| Mile Auto | $169 |
| Safeco | $200 |
| GEICO | $213 |
| Progressive | $213 |
| Mercury | $236 |
| Clearcover | $303 |
| Nationwide | $318 |
| Liberty Mutual | $331 |
| Direct Auto | $339 |
| National General | $361 |
| AssuranceAmerica | $378 |
| GAINSCO | $414 |
| Foremost | $424 |
| The General | $491 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Atlanta, Georgia
Recent Atlanta, Georgia car insurance prices for Buick, Chevrolet, BMW , and more.
*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia requires the following minimum insurance requirements for all registered vehicles:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per incident |
| Property damage liability | $25,000 per incident |
Georgia doesn’t require these additional coverages, but state officials do recommend that drivers consider carrying the following types of insurance:
Comprehensive
This insurance covers incidents that collision coverage doesn’t, such as theft, fires, and vandalism.
Collision
This covers the damages associated with your vehicle colliding with another vehicle, property, or object like a telephone pole.
Uninsured motorist
This covers expenses related to damages that an uninsured driver causes your car, you, or your passengers.
Medical payments
This coverage helps pay for medical expenses not covered by your health insurance for you and your passengers, even if you’re at fault.
Roadside assistance
This coverage can help if you get stuck due to problems like a flat tire or a dead car battery.
Cheapest car insurance for drivers with an incident
Getting cited for a driving infraction or incident can increase your auto premiums even if you’re normally a safe and responsible driver. Many drivers know that an at-fault accident will increase rates, but even speeding tickets can increase your car insurance rates in Atlanta. Typically, the worse the moving violation, the more drastic your car insurance increases will be.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speed is a significant contributing factor in traffic fatalities, which is one reason why insurers may consider it a costly mistake even if you weren’t involved in a collision.[2] Insurers view speeding as very risky behavior, as it increases the likelihood of an accident, so they’ll likely increase your rates to compensate for this added risk.
Drivers in Atlanta with a speeding ticket pay $316 per month, on average, for liability coverage. The insurers in the table below offer the cheapest quotes to drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $76 | $100 |
| State Farm | $81 | $104 |
| COUNTRY Financial | $83 | $111 |
| Allstate | $89 | $115 |
| USAA | $96 | $124 |
| Mile Auto | $100 | $131 |
| Progressive | $119 | $153 |
| Safeco | $129 | $170 |
| GEICO | $133 | $172 |
| Mercury | $144 | $200 |
| Clearcover | $169 | $220 |
| Liberty Mutual | $186 | $260 |
| Nationwide | $197 | $258 |
| Direct Auto | $198 | $257 |
| GAINSCO | $209 | $292 |
| AssuranceAmerica | $223 | $289 |
| National General | $240 | $313 |
| The General | $288 | $380 |
| Foremost | $327 | $456 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Since 2017, fatal car crashes have increased in Atlanta, while the total number of reported crashes have remained similar.[3] You don’t need to be in a major accident for your car insurance to go up. Even a single claim for an at-fault fender bender could cause your rate to increase. Most at-fault accidents will stay on your record and affect your premium for three years.[4]
Auto-Owners offers the cheapest insurance in Atlanta for drivers with an accident on their record. Its monthly liability-only rates start at $105.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $76 | $105 |
| State Farm | $81 | $110 |
| COUNTRY Financial | $83 | $119 |
| Allstate | $89 | $122 |
| USAA | $96 | $132 |
| Mile Auto | $100 | $141 |
| Progressive | $119 | $164 |
| Safeco | $129 | $176 |
| GEICO | $133 | $183 |
| Mercury | $144 | $211 |
| Clearcover | $169 | $249 |
| Liberty Mutual | $186 | $272 |
| Nationwide | $197 | $273 |
| Direct Auto | $198 | $278 |
| GAINSCO | $209 | $275 |
| AssuranceAmerica | $223 | $299 |
| National General | $240 | $329 |
| The General | $288 | $402 |
| Foremost | $327 | $478 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
DUIs can result in severe injuries, property damage, and death, which is why it’s often an incident that significantly increases car insurance rates. DUIs can also result in insurers canceling your policy.
The cheapest insurance company in Atlanta for drivers with a DUI is Auto-Owners, with monthly rates as low as $126 for a liability-only policy. The insurers below also offer affordable insurance coverage to drivers with a DUI on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $76 | $126 |
| State Farm | $81 | $135 |
| COUNTRY Financial | $83 | $138 |
| Allstate | $89 | $148 |
| USAA | $96 | $159 |
| Mile Auto | $100 | $166 |
| Progressive | $119 | $198 |
| Safeco | $129 | $199 |
| GEICO | $133 | $221 |
| Mercury | $144 | $221 |
| Clearcover | $169 | $281 |
| Liberty Mutual | $186 | $309 |
| Nationwide | $197 | $327 |
| Direct Auto | $198 | $329 |
| GAINSCO | $209 | $347 |
| AssuranceAmerica | $223 | $370 |
| National General | $240 | $399 |
| The General | $288 | $478 |
| Foremost | $327 | $543 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Keep Reading: How Long Does a DUI Stay On Your Record?
Cheapest car insurance for seniors: State Farm
Senior drivers typically have the most driving experience. Unfortunately, physical impairments like decreased vision and cognition can increase the likelihood of an accident. That’s why it’s common for drivers to see rate increases around age 70.[5]
Senior drivers in Atlanta pay an average of $232 per month for full coverage and $178 per month for liability-only coverage. The table below shows what seniors may pay, on average, with different insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $59 |
| State Farm | $61 |
| COUNTRY Financial | $65 |
| Allstate | $70 |
| Mile Auto | $74 |
| USAA | $75 |
| Progressive | $84 |
| GEICO | $103 |
| Safeco | $108 |
| Mercury | $111 |
| Clearcover | $142 |
| Nationwide | $143 |
| Direct Auto | $150 |
| Liberty Mutual | $152 |
| AssuranceAmerica | $164 |
| GAINSCO | $171 |
| National General | $179 |
| The General | $228 |
| Foremost | $255 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Teenagers are at a greater risk of accidents and fatal crashes than older drivers. Their inexperience, overconfidence, and distractions can increase their risk, which is why car insurance rates are often highest for this age group.[6]
Atlanta teens pay average monthly rates of $585 for full coverage and $448 for liability-only coverage.
Even with high rates, some teens can get lower premiums by staying on their parents’ plans, driving cars with high safety ratings, getting pay-per-mile insurance, or applying for good student discounts.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| COUNTRY Financial | $131 |
| Auto-Owners | $138 |
| State Farm | $151 |
| Allstate | $171 |
| USAA | $175 |
| Mile Auto | $208 |
| Progressive | $226 |
| GEICO | $231 |
| Safeco | $267 |
| Mercury | $275 |
| Clearcover | $335 |
| Liberty Mutual | $346 |
| Nationwide | $372 |
| Direct Auto | $390 |
| GAINSCO | $391 |
| AssuranceAmerica | $441 |
| The General | $498 |
| National General | $507 |
| Foremost | $628 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Atlanta car insurance quotes by credit tier
Georgia insurers are permitted to use credit scores as one of many factors influencing how they price a premium. However, it’s illegal for insurers to use it as the sole basis for making an underwriting decision.[7] Drivers with poor credit scores typically pay higher rates than drivers with excellent or good credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Atlanta?
Altanta’s average car insurance rate is $260 per month, which is higher than the Georgia state average of $198. Atlanta’s average rates are higher than other cities since it’s so large and densely populated — with inherently more risks than smaller cities.
More cities in Georgia
Looking at other cities in Georgia, you’ll find lower auto rates in many popular cities. Savannah’s rates may be lower due to its compact and pedestrian-friendly city center.
City ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Augusta | $234 | $145 |
| Columbus | $246 | $146 |
| Lawrenceville | $279 | $182 |
| Marietta | $251 | $182 |
| Savannah | $259 | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Check Out: Car Insurance Rates by State
Atlanta car insurance FAQs
Finding cheap car insurance can be difficult. Check out these answers to some commonly asked questions about car insurance in Atlanta.
How much is car insurance in Atlanta?
The average cost of car insurance in Atlanta is $260 per month. Drivers pay $226 per month for liability coverage and $295 per month for full coverage.
Which company has the cheapest car insurance in Atlanta?
Auto-Owners, State Farm, and COUNTRY Financial have the cheapest insurance in Atlanta. Their liability-only rates start at $76, $81, and $83 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.
What are the best car insurance companies in Atlanta?
State Farm is the best car insurance company in Atlanta, with an IQ Score of 4.4, an A.M. Best financial strength rating of A++ (Superior), and a low average liability-only rate. It’s followed closely by Auto-Owners, with an IQ Score of 4.0 and an A.M. Best financial strength rating of A++.
Why is car insurance expensive in Atlanta?
Car insurance is so expensive in Atlanta because it’s prone to severe weather risks like tornadoes, flooding, and strong windstorms. This can cause significant damage to vehicles, so insurers price policies accordingly. Georgia is actually one of the most expensive states in the country for car insurance, with average rates of $198 per month.
Is Georgia a no-fault state?
No. Like most states, Georgia is an at-fault state, meaning that the driver responsible for an accident will be responsible for paying for the other driver’s injuries and damages.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Georgia
Sources
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
- National Highway Traffic Safety Administration. "Speeding."
- Georgia Department of Transportation. "Georgia Crash Data."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Institute for Highway Safety. "Older drivers."
- Insurance Institute for Highway Safety. "Teenagers."
- Federal Trade Commission. "Credit-based Insurance Scores: Impacts on Consumers of Automobile Insurance."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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