Cheap Car Insurance Quotes in Atlanta, Georgia (2025)
Auto-Owners offers the cheapest car insurance in Atlanta, with minimum-coverage policies as low as $78 per month.
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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.
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Table of contents
The average cost of car insurance in Atlanta is $264, which is more expensive than Georgia’s average rate of $202. 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. But 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 $302 per month, and liability-only coverage is $226.
Full-coverage car insurance costs Atlanta drivers $3,623 per year, on average.
Drivers with DUIs pay the most for car insurance in Atlanta, at an overall average of $427 per month for a liability-only policy.
How much is car insurance in Atlanta, GA?
Atlanta drivers pay much higher car insurance rates than drivers in other Georgia cities. Atlanta’s rates are also significantly higher than the national average. See how Atlanta car insurance rates compare in the table below.
 | Full Coverage | Liability Only |
|---|---|---|
| Atlanta | $302 | $226 |
| Georgia | $245 | $158 |
| National average | $195 | $105 |
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.
Cheapest car insurance companies in Atlanta
No single insurance company will be the cheapest for every driver. If you’re looking for cheap car insurance in Georgia, start your search with the insurers in the table below.
The below rates are estimated rates current as of: Thursday, May 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 | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $126 | $78 |
| State Farm | $135 | $84 |
| COUNTRY Financial | $137 | $85 |
| Allstate | $147 | $92 |
| USAA | $158 | $98 |
| Mile Auto | $170 | $101 |
| Progressive | $215 | $122 |
| GEICO | $219 | $135 |
| Safeco | $240 | $198 |
| Mercury | $253 | $153 |
| Root | $268 | $170 |
| Clearcover | $308 | $171 |
| Nationwide | $326 | $202 |
| Direct Auto | $346 | $204 |
| National General | $366 | $253 |
| Liberty Mutual | $371 | $218 |
| AssuranceAmerica | $406 | $245 |
| GAINSCO | $423 | $214 |
| Foremost | $430 | $338 |
| The General | $486 | $293 |
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.
Best 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 car insurance in Georgia for your needs.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $77/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $83/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $90/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $97/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $127/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $134/mo* |
Overall rating 3.9 | Overall rating 4.1 | Overall rating 4.0 | Overall rating 4.9 | Overall rating 3.4 | Overall rating 4.0 |
Value for money 3.4/5 | Value for money 3.9/5 | Value for money 3.6/5 | Value for money 4.9/5 | Value for money 3.4/5 | Value for money 3.8/5 |
Customer service 3.8/5 | Customer service 4.2/5 | Customer service 3.8/5 | Customer service 4.7/5 | Customer service 3.4/5 | Customer service 4.0/5 |
Claims handling 3.9/5 | Claims handling 4.1/5 | Claims handling 3.9/5 | Claims handling 4.9/5 | Claims handling 3.5/5 | Claims handling 4.1/5 |
Special highlight Cheap ratesAI-generated from 117 user reviews | Special highlight Customer serviceAI-generated from 6012 user reviews | Special highlight Accident forgivenessAI-generated from 3634 user reviews | Special highlight Members of the military communityAI-generated from 1187 user reviews | Special highlight Competitive ratesAI-generated from 6871 user reviews | Special highlight Teen driversAI-generated from 6412 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
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 /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. | $280/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 145 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
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 pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
April 15, 2025
Verified Review
Excellent
Hugo is awesome.
Donna
April 2, 2025
Verified Review
No Thanks
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
March 18, 2025
Verified Review
Never Able to Speak with Customer Service, So I Switched!
I was never able to speak with someone, so I switched!
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 | 3.9 |
|---|---|
| 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. | $78/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. | $126/mo |
3.9
A solid optionBased on 196 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (117)
Jason
May 8, 2025
Verified Review
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Lois
April 20, 2025
Verified Review
Contract
I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!
Richard
April 19, 2025
Verified Review
Time to Compare Rates
I have had no problems with Auto-Owners, I just want to compare rates.
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 | 4.1 |
|---|---|
| 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. | 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. | $84/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. | $135/mo |
4.1
Best choiceBased on 11,151 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,012)
James
May 29, 2025
Verified Review
Excellent
I've been with them for over 30 years. However, the cost has tripled in the last 5 years.
Vicki
May 29, 2025
Verified Review
State Farm Review
In comparison to other companies so far, State Farm is the best for pricing of coverage. I have not used any services yet.
Mona
May 29, 2025
Verified Review
Loved State Farm
They were great to work with. I wouldn't think of leaving except for the huge increase in premiums.
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 recent rates near Atlanta, Georgia
Recent Atlanta, Georgia car insurance prices for Hyundai, Ford, KIA , and more.
*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 May 29, 2025. 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 May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 May 29, 2025. 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 recommend that drivers consider carrying the following types of insurance:
Comprehensive coverage
Comprehensive insurance covers incidents that collision coverage doesn’t, such as theft, fires, and vandalism.
Collision coverage
Collision insurance covers the damages associated with your vehicle colliding with another vehicle, property, or object, like a telephone pole.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance covers expenses related to damages that an uninsured driver causes to your car, you, or your passengers.
Medical payments coverage
Medical payments 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 coverage
Roadside assistance 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 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 increase will be.
Find Car Insurance in Atlanta
Liability rates start at $96 per month for drivers with an incident
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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 you a higher-risk driver even if you weren’t involved in a collision.[2] Speeding increases the likelihood of an accident, so insurers will likely increase your rates to compensate for this added risk.
Drivers in Atlanta with a speeding ticket pay $302 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: Thursday, May 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 | $78 | $101 |
| State Farm | $84 | $106 |
| COUNTRY Financial | $85 | $111 |
| Allstate | $92 | $117 |
| USAA | $98 | $125 |
| Mile Auto | $101 | $125 |
| Progressive | $122 | $157 |
| GEICO | $135 | $181 |
| Mercury | $153 | $211 |
| Root | $170 | $237 |
| Clearcover | $171 | $223 |
| Safeco | $198 | $259 |
| Nationwide | $202 | $259 |
| Direct Auto | $204 | $262 |
| GAINSCO | $214 | $289 |
| Liberty Mutual | $218 | $295 |
| AssuranceAmerica | $245 | $306 |
| National General | $253 | $321 |
| The General | $293 | $389 |
| Foremost | $338 | $457 |
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 has 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]
Liability insurance in Atlanta costs an average of $320 per month for drivers with an accident.
The below rates are estimated rates current as of: Thursday, May 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 | $78 | $105 |
| State Farm | $84 | $112 |
| COUNTRY Financial | $85 | $119 |
| Allstate | $92 | $123 |
| USAA | $98 | $132 |
| Mile Auto | $101 | $137 |
| Progressive | $122 | $168 |
| GEICO | $135 | $191 |
| Mercury | $153 | $223 |
| Root | $170 | $247 |
| Clearcover | $171 | $255 |
| Safeco | $198 | $278 |
| Nationwide | $202 | $273 |
| Direct Auto | $204 | $281 |
| GAINSCO | $214 | $278 |
| Liberty Mutual | $218 | $308 |
| AssuranceAmerica | $245 | $316 |
| National General | $253 | $335 |
| The General | $293 | $404 |
| Foremost | $338 | $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.
Atlanta drivers with a DUI pay an average of $365 per month for liability policies.
The insurers below offer affordable insurance coverage to drivers with a DUI on their records.
The below rates are estimated rates current as of: Thursday, May 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 | $78 | $126 |
| State Farm | $84 | $136 |
| COUNTRY Financial | $85 | $137 |
| Allstate | $92 | $148 |
| USAA | $98 | $158 |
| Mile Auto | $101 | $163 |
| Progressive | $122 | $197 |
| GEICO | $135 | $218 |
| Mercury | $153 | $238 |
| Root | $170 | $252 |
| Clearcover | $171 | $276 |
| Safeco | $198 | $313 |
| Nationwide | $202 | $326 |
| Direct Auto | $204 | $329 |
| GAINSCO | $214 | $345 |
| Liberty Mutual | $218 | $352 |
| AssuranceAmerica | $245 | $395 |
| National General | $253 | $408 |
| The General | $293 | $473 |
| Foremost | $338 | $545 |
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 $244 per month for full coverage and $182 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: Thursday, May 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 | $61 |
| State Farm | $64 |
| COUNTRY Financial | $69 |
| Allstate | $73 |
| Mile Auto | $75 |
| USAA | $77 |
| Progressive | $86 |
| GEICO | $109 |
| Mercury | $121 |
| Root | $143 |
| Clearcover | $146 |
| Nationwide | $148 |
| Direct Auto | $155 |
| Safeco | $167 |
| GAINSCO | $174 |
| Liberty Mutual | $178 |
| AssuranceAmerica | $186 |
| National General | $189 |
| The General | $231 |
| Foremost | $269 |
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 $602 for full coverage and $450 for liability-only coverage.
Even with high rates, some teens can get lower premiums by staying on their parents’ policies, 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: Thursday, May 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 | $135 |
| Auto-Owners | $143 |
| State Farm | $162 |
| Allstate | $184 |
| USAA | $184 |
| Mile Auto | $215 |
| Progressive | $235 |
| GEICO | $269 |
| Root | $284 |
| Mercury | $297 |
| Clearcover | $342 |
| Nationwide | $397 |
| Liberty Mutual | $406 |
| GAINSCO | $409 |
| Direct Auto | $414 |
| Safeco | $419 |
| AssuranceAmerica | $487 |
| The General | $513 |
| National General | $532 |
| Foremost | $660 |
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. But 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.
Cost of car insurance in other Georgia cities
Looking at other cities in Georgia, you’ll find lower auto rates in many popular cities. For example, Savannah’s rates may be lower due to its compact and pedestrian-friendly city center.
The below rates are estimated rates current as of: Thursday, May 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.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Dalton | $104 | $163 |
| Valdosta | $116 | $180 |
| Athens | $134 | $199 |
| Albany | $136 | $218 |
| Gainesville | $141 | $212 |
| Augusta | $146 | $231 |
| Columbus | $147 | $235 |
| Warner Robins | $152 | $224 |
| Woodstock | $163 | $232 |
| Alpharetta | $176 | $255 |
| Savannah | $176 | $263 |
| Dallas | $177 | $253 |
| Marietta | $185 | $254 |
| Lawrenceville | $186 | $269 |
| Macon | $197 | $306 |
| Atlanta | $226 | $302 |
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.
Atlanta car insurance FAQs
If you’re shopping for car insurance in Atlanta, the additional information below may help as you research your coverage options.
How much is car insurance in Atlanta?
The average cost of car insurance in Atlanta is $264 per month. Drivers pay $226 per month for liability coverage and $302 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 average $78, $84, and $85 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 9.3, an AM 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 8.5 and an AM 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 $202 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.
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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.
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