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Cheapest Car Insurance Quotes in Atlanta, GA (2023)
Hugo, Progressive, and Mile Auto offer the cheapest rates for full-coverage car insurance in Atlanta.
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The average cost of minimum-coverage car insurance in Atlanta is $289 per month — a little over 2% more than Georgia’s average minimum-coverage premium of $282 per month.
While drivers in Atlanta are legally required to carry a minimum amount of car insurance, insurance agents often recommend that drivers purchase more coverage. The city experiences a variety of weather risks that could damage a vehicle, like tornadoes and flash flooding.[1] Additionally, Georgia has one of the highest rates of vehicle theft in the country.[2]
Table of contents
- How much does car insurance cost in Atlanta?
- Cheapest car insurance in Atlanta: Travelers
- How much car insurance do you need in Atlanta?
- Tips for getting cheap car insurance in Atlanta
- How age affects car insurance rates in Atlanta
- How credit scores affect cheap car insurance in Atlanta
- The effect of driving habits on car insurance in Atlanta
- Find local Atlanta agents
- Atlanta car insurance rates FAQs
How much does car insurance cost in Atlanta?
Car insurance premiums in Atlanta can vary significantly based on many different factors, like your age, credit score, and claim history. To find the lowest premium for the coverage you need, compare quotes from a few companies.
Insurify’s data scientists analyzed the latest insurance rates in Atlanta to better understand the average cost of auto insurance in the city. Atlanta drivers could pay anywhere from $136 to $861 per month for full coverage and $119 to $669 per month for minimum coverage.
These are the cheapest car insurance companies in Atlanta for a few key categories, according to Insurify rate data:
Acuity has the cheapest liability-only insurance coverage in Atlanta, with an average monthly rate of $110.
Hugo has the cheapest full-coverage insurance in Atlanta, with an average rate of $148 per month.
Nationwide has the cheapest insurance for young drivers in Atlanta, with an average monthly rate of $166.
Learn More: Cheap Car Insurance in Georgia (2022)
Cheapest car insurance in Atlanta: Travelers
Travelers offers the cheapest car insurance in Atlanta, with an average rate of $164. This average premium takes into account both liability-only and full-coverage policies.
Although Travelers’ rates are the cheapest based on average premium data, that doesn’t mean it will be the cheapest provider for you.
Car insurance rates are based on personal factors, like location, age, and driving record. To find the best car insurance company for your specific needs, you should compare quotes from at least three different providers.
The table below highlights the cheapest car insurance companies in Atlanta and their average rates.
| Insurance Company | Insurify Composite Score (ICS) | Liability Only | Full Coverage |
|---|---|---|---|
| Hugo | N/A | $237 | $136 |
| Progressive | N/A | $178 | $176 |
| Mile Auto | N/A | $140 | $182 |
| Travelers | 80 | $145 | $183 |
| Direct Auto | N/A | $225 | $187 |
| Nationwide | 89 | $190 | $204 |
| Elephant | N/A | $208 | $252 |
| Liberty Mutual | 82 | $172 | $261 |
| State Auto | 76 | $184 | $277 |
| Safeco | 86 | $192 | $280 |
| National General | 58 | $180 | $287 |
| Acuity | N/A | $119 | $289 |
| Midvale Home & Auto | N/A | $238 | $289 |
| Amigo USA | N/A | $253 | $299 |
| Mercury | 81 | $272 | $314 |
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.
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.
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How much car insurance do you need in Atlanta?
Georgia state law requires drivers to carry auto insurance. Atlanta drivers must have the following coverage limits to meet the state’s minimum coverage requirements:[3]
$25,000 per person and $50,000 per accident for bodily injury: In the event of an at-fault car accident, your bodily injury coverage pays for the other driver’s medical bills if they get injured in the crash. If you don’t have enough car insurance coverage to pay for the other driver’s losses in full, you must pay the difference out of pocket.
$25,000 per accident for property damage: If you cause an accident and you damage the other driver’s vehicle, your property damage liability insurance policy will pay for the repairs. It also covers damage to public or private property, like a storefront or fence.
$25,000 per person and $50,000 per accident for uninsured motorist bodily injury and $25,000 per accident for uninsured motorist property damage: Uninsured and underinsured motorist insurance covers your losses if you get hit by a driver that’s uninsured or has only a small amount of coverage.
As a vehicle owner, it’s important to always keep proof of insurance in your car. You may find yourself in a situation where you’re required to provide proof of insurance, like after getting into an accident (whether you were at fault or not). You may also need to show proof of insurance during a traffic stop or when renewing your car’s registration.
Georgia DMV information
Two state agencies handle matters related to drivers and vehicles in Georgia: the Department of Driver Services and the Motor Vehicle Division (MVD) of the Georgia Department of Revenue.
The Department of Driver Services manages things like driver’s licenses and permits. The MVD handles vehicle registrations, titling, and license plates. Both agencies provide a variety of online services, including appointment scheduling.[4]
Tips for getting cheap car insurance in Atlanta
Car insurance quotes in Atlanta can vary widely based on numerous factors. If you want to get a lower rate, you have many ways to save money. Here are a few tips for getting cheaper car insurance in Atlanta:
Look for discounts. Most companies offer many.
Bundle your auto and homeowners insurance or renters insurance policy.
Complete an approved defensive driver course.
Pay your annual premium in full.
Improve your credit score. Insurers often examine your credit history when setting rates.
Raise your deductibles for collision and comprehensive insurance.
Drop optional coverages you don’t need, like gap insurance.
One of the best ways to get cheap car insurance is to compare car insurance quotes from as many providers as possible. Insurers weigh rating factors differently, so the same coverage may be cheaper with certain providers.
Read More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Atlanta
Your age has a significant effect on the cost of your car insurance. Young drivers usually pay the highest rates for car insurance due to their lack of driving experience and increased risk of accidents.[5] As drivers get older, they’ll typically pay cheaper premiums. But costs begin to rise again once drivers hit their senior years.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $784 |
| Under 25 | $609 |
| 25–29 | $399 |
| 30s | $350 |
| 40s | $353 |
| 50s | $309 |
| 60s | $312 |
| 70s | $301 |
| 80+ | $411 |
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 for young drivers in Atlanta
Nationwide is the cheapest car insurance for young drivers in Atlanta, with an average full-coverage premium of $166 per month. While newly licensed drivers often pay the highest rates, young drivers can still find ways to save money.
For example, many car insurance companies offer discounts to high school and college students who get good grades, maintain a certain GPA, or attend college far from home without a car.
| Insurance Company | Average Monthly Rate |
|---|---|
| Nationwide | $166 |
| Travelers | $200 |
| Miles Auto | $241 |
| Progressive | $246 |
| Direct Auto | $279 |
| Liberty Mutual | $301 |
| State Auto | $328 |
| Elephant | $331 |
| Safeco | $336 |
| Midvale Home & Auto | $337 |
| National General | $339 |
| Mercury | $359 |
| AssuranceAmerica | $387 |
| Clearcover | $408 |
| Farmers GroupSelect | $427 |
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 for middle-aged drivers in Atlanta
Mile Auto is the cheapest car insurance for middle-aged drivers in Atlanta, with an average monthly premium of $150 for full coverage.
Middle-aged drivers pay some of the lowest rates, but drivers in this age group can often save money by bundling two or more policies, paying their annual premium up front, and improving their credit score.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $150 |
| Nationwide | $165 |
| Progressive | $177 |
| Travelers | $178 |
| Liberty Mutual | $222 |
| National General | $227 |
| Direct Auto | $234 |
| Elephant | $240 |
| Farmers GroupSelect | $241 |
| Mercury | $248 |
| Midvale Home & Auto | $254 |
| State Auto | $261 |
| Safeco | $266 |
| InsureMax | $273 |
| AssuranceAmerica | $274 |
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 for senior drivers in Atlanta
The cheapest car insurance for senior drivers in Atlanta is Mile Auto, with an average full-coverage premium of $131 per month. Senior drivers have several ways to save money on car insurance.
For instance, some car insurance companies offer a discount to members of certain groups, including AARP members. Others offer discounts for retired drivers and senior drivers who complete a defensive driver course.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $131 |
| Direct Auto | $145 |
| Nationwide | $169 |
| Travelers | $181 |
| National General | $187 |
| Midvale Home & Auto | $206 |
| Progressive | $215 |
| Liberty Mutual | $218 |
| Mercury | $218 |
| Elephant | $235 |
| State Auto | $238 |
| Amigo USA | $242 |
| AssuranceAmerica | $242 |
| Safeco | $248 |
| InsureMax | $249 |
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.
How credit scores affect cheap car insurance in Atlanta
Car insurance companies are allowed to use your credit score as a rating factor in Georgia, which affects how expensive your premium will be. In general, drivers with good credit (670 and above) are rewarded with lower car insurance rates, while drivers with fair credit (580 to 669) and poor credit (579 and below) pay higher rates.
These are the average car insurance premiums in Atlanta for drivers with excellent credit, good credit, fair credit, and poor credit. These rates reflect the average cost of a full-coverage policy.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $336 |
| Good | $399 |
| Fair | $446 |
| Poor | $452 |
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.
The effect of driving habits on car insurance in Atlanta
Your driving habits have a direct impact on your car insurance premium. Drivers with a clean record pay the lowest rates, while drivers with a history of accidents and traffic violations pay higher rates. Serious violations, like DUIs, usually have the biggest effect on car insurance rates, especially if you need to file an SR-22.
Insurify studied recent rate data to find the cheapest car insurance companies in Atlanta for drivers with a clean record, as well as drivers with various infractions on their records.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Atlanta: Nationwide
Nationwide is the cheapest car insurance with an accident in Atlanta, with an average monthly premium of $75.
| Car Insurance Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| Nationwide | $196 | $75 | -$121 |
| Travelers | $184 | $187 | +$3 |
| Mile Auto | $180 | $269 | +$89 |
| Progressive | $191 | $283 | +$92 |
| Liberty Mutual | $238 | $290 | +$52 |
| Safeco | $279 | $306 | +$27 |
| Direct Auto | $243 | $319 | +$76 |
| Elephant | $276 | $339 | +$63 |
| State Auto | $247 | $360 | +$113 |
| Midvale Home & Auto | $260 | $372 | +$112 |
| Farmers GroupSelect | $302 | $386 | +$84 |
| National General | $249 | $395 | +$146 |
| Mercury | $262 | $400 | +$138 |
| Amigo USA | $388 | $421 | +$33 |
| AssuranceAmerica | $312 | $438 | +$126 |
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 with a DUI in Atlanta: Mile Auto
Mile Auto is the cheapest car insurance with a DUI in Atlanta, with an average monthly premium of $78. Drivers typically face much higher rates after getting a DUI. Some insurers won’t even provide coverage to drivers with a DUI on their record.
Cheapest car insurance with a speeding ticket in Atlanta: Nationwide
Nationwide is the cheapest car insurance with a speeding ticket in Atlanta, with an average monthly rate of $151. While speeding tickets don’t typically increase rates drastically, repeated offenses could result in much higher rates.
| Car Insurance Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| Nationwide | $196 | $151 | -$45 |
| Progressive | $191 | $199 | +$8 |
| Travelers | $184 | $202 | +$18 |
| Mile Auto | $180 | $241 | +$61 |
| Liberty Mutual | $238 | $272 | +$34 |
| State Auto | $247 | $303 | +$56 |
| Elephant | $276 | $320 | +$44 |
| Safeco | $279 | $323 | +$4 |
| AssuranceAmerica | $312 | $332 | +$20 |
| Midvale Home & Auto | $260 | $339 | +$79 |
| National General | $249 | $367 | +$118 |
| Mercury | $262 | $369 | +$107 |
| Amigo USA | $388 | $425 | +$37 |
| InsureMax | $335 | $434 | +$99 |
| Clearcover | $368 | $440 | +$72 |
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.
Car insurance in other Georgia cities
Car insurance rates vary greatly from city to city, even within the same state. Here’s a look at car insurance in some other Georgia cities.
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0Atlanta car insurance rates FAQs
Here are answers to some commonly asked questions about car insurance rates in Atlanta.
Many factors affect car insurance rates in Atlanta, including your ZIP code, credit score, claim history, driving record, and gender. In addition, insurance companies consider your vehicle make and model, annual mileage, and vehicle safety features to determine your personalized premium.
The cheapest car insurance in Georgia on average is State Farm, with an average monthly rate of $145. Allstate, American Family, and Nationwide also offer similarly affordable rates. But the cheapest insurer for you may be different from your neighbor since every insurance company calculates rates a little differently. That’s why it’s important to compare quotes.
The average cost of car insurance in Atlanta is $289 per month for liability-only insurance and $412 per month for full-coverage insurance. You might pay more or less than average based on your driver profile and coverage needs.
The average cost of car insurance in Georgia is more expensive than in some other states due to its unique weather risks. Georgia experiences severe weather on an annual basis — including tornadoes, strong windstorms, and flooding — which can damage or destroy vehicles.
Atlanta’s car theft rate may also contribute to the high cost of car insurance. In 2021, there were 3,692 car thefts reported in the city, and theft rates for 2022 are trending upwards, according to police data.[6]
The best way to save money on car insurance is by comparing quotes from multiple providers. Some other effective ways to lower your car insurance premium include taking advantage of discounts, improving your credit score, raising your deductible, maintaining a clean driving record, and avoiding car insurance claims.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- City of Atlanta, GA. "Severe Weather." Accessed December 14, 2022
- Insurance Information Institute. "Facts + Statistics: Auto theft." Accessed December 14, 2022
- Georgia Office of Commissioner of Insurance and Safety Fire. "Auto Insurance." Accessed December 14, 2022
- Georgia Department of Driver Services. "Georgia Department of Driver Services." Accessed December 14, 2022
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed December 14, 2022
- 11 Alive. "Car break-ins up, carjackings down in Atlanta." Accessed December 14, 2022
