Cheap Auto Insurance Quotes in Atlanta, GA (November 2021)

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Driving in Atlanta can be difficult even for those who are cautious on the road, as some of the deadliest stretches of highway are located in this bustling metropolitan area. Roads in this area are often highly congested, although it’s said that a bit of Southern hospitality will go a long way when trying to merge. While staying in the right lane except to pass might work elsewhere, you’ll find that many of Atlanta’s right lanes are “exit only.” With all of these nuances to consider, it’s crucial that you have a car insurance policy that provides you protection when you need it most.

Car Insurance in Atlanta, GA

The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Atlanta, GA to find you the cheapest quotes in the area.
$163
$169
$246
$281
$327
TravelersProgressiveAmerican FamilyMercuryNationwide

Cheapest Car Insurance in Atlanta, GA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Atlanta, GA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Atlanta. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$205
$176
$207
$185
$204
$253
GeorgiaColumbusSavannahAugustaRoswellAtlanta
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Atlanta, GA Driving Facts

georgia

Minimum Car Insurance Requirements in GA

Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.

Georgia's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Atlanta Car Insurance Rates by Driver Age

Inexperienced drivers in Atlanta may find that their car insurance rates are nearly unaffordable, as those under the age of 20 pay around $893 a month and motorists in their 20s are charged $530. Thankfully, these prices become far lower, as drivers get older with residents in their 30s paying right around $368. For the most part, car insurance rates continue to drop lower and lower each decade, proving that experience does make a huge difference.

Driving History
No Violation$385
Speeding Ticket$475
At-Fault Accident$482
Failure to Stop for Red Light / Stop Sign$448

Atlanta Car Insurance Rates by Driving and Accident History

Accidents are common on Atlanta’s busy roads, and this contributes to high prices for those who have violations on their record. A failure-to-stop ticket alters insurance rates from $384 for a clean record to $447. Should you get caught speeding, you can expect to add another $30 on top of the $447. An at-fault accident is the most expensive in Atlanta, with drivers paying $481 after this type of incident.

Atlanta Car Insurance Rates by Credit Tier

Working on your credit score is beneficial if you live in Atlanta, as your car insurance rates go down as your credit improves. Those with poor credit history pay an average of $433 and end up saving about $15 a month once they move into the average tier. Drivers with good credit pay nearly the same as those in the average category and find that once they reach the excellent tier, their hard work pays off with a rate of $375.

Atlanta, GA DMV Information

The city of Atlanta is home to just about half a million people, although it often feels like many more are on the road. Surprisingly, only one DMV office is in the greater metropolitan area, often creating long wait times to serve all of these drivers. Closed Sunday and Monday, the Atlanta Department of Driver Services is open Tuesday through Friday from 7:30 a.m. to 6:30 p.m. and Saturday from 7:30 a.m. to noon.

Public Transportation in Atlanta, GA

Getting around the greater Atlanta area using public transit is often far easier than getting in your car. MARTA, the rapid transit rail system, runs regularly and travels through the city and beyond. The Atlanta Streetcar traverses a 2.7-mile loop and can take you to popular destinations in the entertainment district. Taxis, Uber, and Lyft are readily available as well if you prefer to get from A to B in privacy. Filled with sidewalks and trails, the city makes walking and biking popular options, too.

Conclusion: How to get the best and cheapest car insurance in Atlanta, GA

Driving in Atlanta, and all of Georgia for that matter, can be dangerous if you aren’t careful, so it’s best to make sure you’re prepared every time you hit the road. Have a route mapped to your destination and allow extra time in the event of traffic or an accident. It’s also recommended that you have robust car insurance coverage, as the state is known for its high traffic-collision rates.

Comprehensive auto insurance doesn’t necessarily mean spending a fortune, however, so it’s important that you visit Insurify before you enroll. You’ll be able to compare quotes from multiple companies and determine which policy offers you the best balance of coverage and affordability.

Find local Atlanta agents

The Bethea Insurance Group, LLC
3715 Northside Parkway, Atlanta, GA 30327
Rob Hill Insurance Group
2800 Shallowford Road NE, Atlanta, GA 30341
Siegel Insurance, Inc.
2987 Clairmont Rd NE, Atlanta, GA 30329-4448
American Surety Bonds Agency
138 Hammond Dr, Atlanta, GA 30328
Henssler Norton Insurance
5565 Glenridge Connector, Atlanta, GA 30342
The Assured Group LLC
4355 J Cobb Pkwy , Atlanta, GA 30339-4659
TrustDale Insurance, LLC.
3300 Northeast Expy NE. , Atlanta, GA 30341
Mack Insurance Agency, Inc.
910 Cascade Ave SW, Atlanta, GA 30311-2648
McEver & Tribble Inc
3300 Cumberland Blvd, Atlanta, GA 30339-8119
Redding Private Client, LLC
2987 Clairmont Rd NE, Suite 425, Atlanta, GA 30329

Insurify Insights: How Atlanta Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Atlanta, GA
suspended licenses
#57
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Atlanta drivers measure up to their fellow Georgia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Atlanta

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Atlanta drivers rank 55 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #55
  • Percent of drivers in Atlanta with an accident: 12.18%
  • Drivers in Atlanta, GA with an accident in their driving history paid on average 29.8% more than drivers with a clean record

Speeding Atlanta

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Atlanta drivers rank 80 in the number of speeding infractions per driver.

  • Rank within state: #80
  • Percent of drivers in Atlanta with a speeding ticket: 10.14%
  • Drivers in Atlanta, GA with a speeding ticket in their driving history paid on average 28.37% more than drivers with a clean record

DUI/DWIs Atlanta

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Atlanta drivers rank 64 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #64
  • Percent of drivers in Atlanta with a DUI: 1.26%
  • Drivers in Atlanta, GA with a DUI in their driving history paid on average 35.24% more than drivers with a clean record

Most Popular Vehicle Atlanta

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Atlanta is the Honda Accord.

Rude Atlanta

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Atlanta drivers rank 28 in rude driving infractions.

  • Rank within state: #28
  • Percent of drivers in Atlanta with a reckless driving violation: 4.07%
  • Drivers in Atlanta, GA with a reckless driving violation in their driving history paid on average 30.66% more than drivers with a clean record.

Safest Drivers Atlanta

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Atlanta drivers rank 26 in clean driving records across all cities in Georgia.

  • Rank within state: #26
  • Percent of drivers in Atlanta with clean record: 78.6%

Failure to Yield the Right of Way Atlanta

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Atlanta drivers rank 36 in failure to yield violations per driver across all cities in Georgia.

  • Rank within state: #36
  • Percent of drivers in Atlanta with a failure to yield violation: 1.13%
  • Drivers in Atlanta, GA with a failure to yield violation in their driving history paid on average 20200% more than drivers with a clean record

Reckless Drivers Atlanta

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Atlanta drivers rank 37 in the number of reckless driving offenses per driver.

  • Rank within state: #37
  • Percent of drivers in Atlanta with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership Atlanta

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Atlanta drivers rank 18 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #18
  • Percent of drivers in Atlanta with a hybrid/electric vehicle: 1.35%

FAQs - Atlanta, GA Car Insurance

Is car insurance in Atlanta priced competitively?

Many drivers find that they pay up to 15 percent more than those in other parts of the nation when it comes to Atlanta auto insurance. Not only does the state see a large number of accidents, but insurance companies are allowed to raise rates without needing approval from the state insurance commissioner.

Does my credit affect my insurance rates in Atlanta?

Georgia drivers with poor credit could pay almost double each year compared to those with great credit, depending on who they purchase their auto insurance from. Unlike some states that won’t check this factor at all, those in Georgia will find that car insurance companies take this data very seriously.

How can I get a low rate on my auto coverage in Georgia?

If you have good credit and a relatively clean driving record, you’re in a position to price shop among major insurance companies. It’s best to do some research ahead of time and consider all of your driving habits and budget needs before enrolling in what seems like the cheapest option.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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