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Cheap Car Insurance Quotes in Atlanta, Georgia (2026)

Auto-Owners offers the cheapest car insurance in Atlanta, with minimum-coverage policies as low as $123 per month.

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Cheapest recent rates near Atlanta, Georgia

Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $90/mo for full coverage in Atlanta and other Georgia cities.

*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on January 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 January 19, 2026. 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 January 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 January 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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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David Marlett
Reviewed byDavid Marlett
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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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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The average cost of car insurance in Atlanta is $271, which is more expensive than Georgia’s average rate of $200. 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, Mile Auto, and Progressive 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 $314 per month, and liability-only coverage is $228.

  • Full-coverage car insurance costs Atlanta drivers $3,768 per year, on average.

  • Drivers with DUIs pay the most for car insurance in Atlanta, at an overall average of $338 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.

 
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
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Atlanta$314$228
Georgia$241$159
National average$175$99
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Auto-Owners$171$123
State Farm$183$132
COUNTRY Financial$186$133
Mile Auto$194$125
Allstate$201$144
USAA$214$154
Progressive$278$132
Mercury$287$195
Root$297$200
Safeco$330$266
GEICO$333$247
Clearcover$365$262
Direct Auto$369$233
National General$375$266
Bristol West$429$229
GAINSCO$434$225
Nationwide$442$317
AssuranceAmerica$442$276
The General$465$283
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.

Auto-Owners logo
State Farm logo
Allstate logo
USAA logo
Progressive logo
GEICO logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$109/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$117/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$128/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$137/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$152/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$215/mo*
Overall rating
4.3
Overall rating
4.1
Overall rating
3.8
Overall rating
4.9
Overall rating
3.2
Overall rating
4.0
Value for money
3.5/5
Value for money
3.6/5
Value for money
3.3/5
Value for money
4.9/5
Value for money
3.0/5
Value for money
3.7/5
Customer service
3.5/5
Customer service
4.2/5
Customer service
3.8/5
Customer service
4.8/5
Customer service
3.3/5
Customer service
4.0/5
Claims handling
4.0/5
Claims handling
4.1/5
Claims handling
3.8/5
Claims handling
4.9/5
Claims handling
3.4/5
Claims handling
4.1/5
Special highlight
AI-generated from 139 user reviews
Cheap rates
Special highlight
AI-generated from 6844 user reviews
Customer service
Special highlight
AI-generated from 4091 user reviews
Accident forgiveness
Special highlight
AI-generated from 1406 user reviews
Members of the military community
Special highlight
AI-generated from 7801 user reviews
Competitive rates
Special highlight
AI-generated from 7161 user reviews
Teen drivers
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
4.5
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.
6.3 /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.
$296/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
4.5
Best choiceBased on 176 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 (60)
Nathan
Verified Purchase
Answered this in previous quote
Reviewed in Kentucky on January 2026
Great for emergencies only. Too expensive otherwise.
Michael
Verified Review
Affordable and convenient
Reviewed in Georgia on October 2025
Wonderfully convenient.
Adrian
Verified Review
Hugo saves the day
Reviewed in Texas on September 2025
They were fast and convenient. Excellent company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why 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
4.3
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.
8.2 /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.
$123/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.
$171/mo
4.3
Best choiceBased on 280 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 (139)
Peter
Verified Review
Auto Owners
Reviewed in Florida on January 2026
Shop around, compare cost and performance.
Mickie
Verified Review
I prefer to discuss my problems with Insutrify
Reviewed in South Dakota on January 2026
I would like many more quotes and printed copies of those quotes so that I could make more informed decisions. At present, all I'm given is 'this one is cheaper' and 'this is the price if you combine home insurance.'
William
Verified Review
Claims handled great but very expensive
Reviewed in Michigan on January 2026
Way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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.
$132/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.
$183/mo
4.1
Best choiceBased on 13,867 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 (6,844)
Calvin
Verified Review
Excellent
Reviewed in Pennsylvania on January 2026
Great! I have had State Farm for 50 years.
Richard
Verified Review
Life in the Big City
Reviewed in Washington on January 2026
Be wary of initial pricing. Renewal almost doubled without any claims.
Charles
Verified Review
State Farm is a good insurance company but their discount program, DriveSafe, is not accurate!
Reviewed in Oklahoma on January 2026
DriveSafe is not reliable! It noted "Illegal Turns" and "speeding" in a parking lot! Questionable on other demerits, very frustrating!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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

Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $90/mo for full coverage in Atlanta and other Georgia cities.

*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on January 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 January 19, 2026. 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 January 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 January 19, 2026. 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
sort ascsort desc
Minimum Requirements
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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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers incidents that collision coverage doesn’t, such as theft, fires, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Collision insurance covers the damages associated with your vehicle colliding with another vehicle, property, or object, like a telephone pole.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $151 per month for drivers with an incident

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 $292 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Clean Record
sort ascsort desc
With Ticket
sort ascsort desc
Auto-Owners$123$162
Mile Auto$125$154
Progressive$132$169
State Farm$132$169
COUNTRY Financial$133$184
Allstate$144$189
USAA$154$201
Mercury$195$275
Root$200$269
GAINSCO$225$271
Bristol West$229$290
Direct Auto$233$295
GEICO$247$326
Clearcover$262$346
Safeco$266$355
National General$266$334
AssuranceAmerica$276$355
The General$283$380
Nationwide$317$414
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Clean Record
sort ascsort desc
With Accident
sort ascsort desc
Auto-Owners$123$167
Mile Auto$125$173
Progressive$132$185
State Farm$132$179
COUNTRY Financial$133$187
Allstate$144$198
USAA$154$212
Mercury$195$301
Root$200$274
GAINSCO$225$297
Bristol West$229$310
Direct Auto$233$327
GEICO$247$329
Clearcover$262$394
Safeco$266$383
National General$266$363
AssuranceAmerica$276$379
The General$283$400
Nationwide$317$437
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive

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 $284 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Clean Record
sort ascsort desc
With DUI
sort ascsort desc
Auto-Owners$123$167
Mile Auto$125$170
Progressive$132$164
State Farm$132$179
COUNTRY Financial$133$173
Allstate$144$195
USAA$154$209
Mercury$195$278
Root$200$273
GAINSCO$225$305
Bristol West$229$311
Direct Auto$233$316
GEICO$247$331
Clearcover$262$356
Safeco$266$390
National General$266$361
AssuranceAmerica$276$375
The General$283$384
Nationwide$317$430
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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?

Keep Reading: How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors: Mile Auto

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 $274 per month for full coverage and $199 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$98
Mile Auto$99
State Farm$105
COUNTRY Financial$108
Progressive$115
Allstate$118
USAA$126
Mercury$158
Root$169
Direct Auto$189
Bristol West$191
GAINSCO$192
GEICO$198
National General$211
AssuranceAmerica$218
Clearcover$232
Safeco$234
The General$238
Nationwide$244
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $560 for full coverage and $407 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
COUNTRY Financial$211
Progressive$235
Auto-Owners$244
State Farm$253
Mile Auto$254
USAA$282
Allstate$283
Root$344
Mercury$357
Bristol West$405
GAINSCO$412
Clearcover$430
GEICO$441
Direct Auto$448
The General$490
Safeco$532
National General$534
AssuranceAmerica$561
Nationwide$614
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Monday, January 19 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Hartwell$102$173
Elberton$106$158
Baxley$107$190
Blackshear$109$179
Chatsworth$110$165
Dalton$110$167
Waycross$110$173
Hazlehurst$110$186
La Fayette$112$142
Tunnel Hill$113$196
Americus$114$204
Montezuma$114$214
Ringgold$115$179
Valdosta$115$177
Douglas$115$176
Eastman$116$162
Chickamauga$117$184
Cordele$118$204
Jesup$118$190
Moultrie$119$197
Thomasville$120$189
Toccoa$120$176
Rossville$120$171
Sylvania$120$184
Summerville$122$160
Thomson$122$190
Brunswick$122$182
Tifton$123$174
Ellijay$124$165
Kingsland$125$178
Waynesboro$125$210
Dublin$126$220
Calhoun$126$196
Eatonton$126$203
Leesburg$127$221
Statesboro$131$246
Cleveland$131$187
Dawsonville$132$192
Perry$133$181
Athens$133$210
Guyton$133$215
Tallapoosa$136$230
Dahlonega$136$205
Albany$136$207
Lagrange$136$223
Adairsville$137$196
Cedartown$137$211
Hinesville$137$222
Lula$137$236
Thomaston$138$223
Byron$138$218
Jasper$138$215
Hull$139$221
Grovetown$140$208
Hoschton$141$210
Richmond Hill$142$217
Evans$142$214
Milledgeville$142$234
Columbus$142$219
Commerce$143$227
Barnesville$143$220
Flowery Branch$144$203
Jefferson$144$222
Peachtree City$144$196
Franklin$144$213
Hephzibah$145$226
Fort Valley$145$204
Rincon$145$227
Rome$146$204
Rockmart$146$226
Canton$148$205
Gainesville$149$212
Augusta$151$223
Sharpsburg$153$191
Cartersville$153$222
Carrollton$154$228
Winder$155$221
Cumming$156$212
Bremen$156$225
Warner Robins$158$219
Jackson$159$251
Pooler$161$237
Newnan$161$225
Acworth$165$230
Braselton$166$217
Temple$167$276
Kennesaw$168$254
Monroe$168$239
Woodstock$172$225
Villa Rica$173$255
Bethlehem$173$280
Roswell$176$229
Griffin$177$246
Port Wentworth$177$265
Alpharetta$177$229
Savannah$178$259
Fayetteville$181$247
Buford$185$247
Dallas$187$259
Smyrna$187$266
Locust Grove$188$276
Hiram$189$240
Dacula$191$249
Peachtree Corners$192$253
Marietta$193$261
Macon$194$276
Auburn$194$257
Loganville$202$281
Mcdonough$203$290
Mableton$203$284
Duluth$204$283
Lithia Springs$205$290
Douglasville$205$294
Lawrenceville$206$273
Suwanee$206$299
Snellville$209$294
Oxford$209$254
Powder Springs$210$298
Norcross$210$293
Grayson$212$256
Lilburn$213$282
Conyers$213$302
Stockbridge$214$301
Hampton$216$304
Covington$217$298
Fairburn$220$313
Rex$220$297
Conley$221$354
Tucker$222$266
Jonesboro$224$315
Austell$227$307
Atlanta$228$314
Morrow$228$337
Union City$230$338
Ellenwood$236$349
Riverdale$242$328
Forest Park$249$330
Stone Mountain$268$347
Decatur$268$362
Lithonia$270$363
Clarkston$287$348
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $271 per month. Drivers pay $228 per month for liability coverage and $314 per month for full coverage.

  • Which company has the cheapest car insurance in Atlanta?

    Auto-Owners, Mile Auto, and Progressive have the cheapest insurance in Atlanta. Their liability-only rates average $123, $125, and $132 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 8.2 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 $200 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

Sources

  1. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  2. National Highway Traffic Safety Administration. "Speeding."
  3. Georgia Department of Transportation. "Georgia Crash Data."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. Insurance Institute for Highway Safety. "Older drivers."
  6. Insurance Institute for Highway Safety. "Teenagers."
  7. Federal Trade Commission. "Credit-based Insurance Scores: Impacts on Consumers of Automobile Insurance."
Nick Dauk
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.

Nick has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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David Marlett
Reviewed byDavid MarlettAdvisor
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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