120+ more*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on May 12, 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Auto-Owners offers the most affordable car insurance in Atlanta.
Atlanta drivers pay average monthly insurance premiums of about $285, compared to the average Georgia monthly premium of $209.
Atlanta has the fifth-highest average commute time in the nation, at just over 32 minutes.
The average cost for a car insurance policy in Atlanta is $285 per month. This is more expensive than the Georgia average car insurance rate of $209 per month and the U.S. national average of $142 per month.
In comparison, Savannah drivers have lower rates, at $230 per month. The percentage of Atlantans with at-fault accidents (5.4%) and driving under the influence (DUI) convictions (0.6%) helps explain why rates are higher in the capital city.
In the table below, you’ll find the average car insurance rates in Atlanta compared to the average rates across Georgia.
Car Insurance Costs in Atlanta vs. Georgia  | Average Monthly Quote |
|---|---|
| Atlanta average | $285 |
| Georgia average | $209 |
Auto-Owners offers the cheapest liability insurance to Atlanta drivers looking for minimum coverage that meets Georgia car insurance requirements, with policies averaging $100 per month.
Auto-Owners has the most affordable rates for full-coverage car insurance in Atlanta, at an average of $181 per month.
Pay your first week’s premium and get immediate proof of insurance
Atlanta is the capital and largest city in Georgia. It has a population of more than 520,000 people across about 136 square miles. In such a big city with such a big population, Atlanta drivers need to be aware of some important considerations:
Atlanta’s urban sprawl: While Atlanta itself only occupies about 136 square miles, the U.S. government treats the 8,786-square-mile Atlanta-Sandy Springs-Roswell greater metropolitan area as an emerging metropolitan area, in part because of how intertwined these communities are. In terms of driving, this means more traffic and longer commutes.
Uninsured/underinsured motorists: In Georgia, 19% of drivers are uninsured, according to the Insurance Information Institute. Even though it’s not required by state law, Atlanta drivers may want to purchase uninsured motorist coverage to protect themselves.
Atlanta road construction and repair: The City of Atlanta’s website lists a number of lane, street, and bridge closures with no specified end dates. Many of these construction and repair projects began in 2024 and appear to be ongoing, contributing to the traffic congestion in Atlanta.[1]
Sports events: The Mercedes-Benz Stadium is home to the Atlanta Falcons, which draws in hundreds of thousands of fans every year. Although the stadium has parking, spots around it fill up quickly during games, causing congestion.
Atlanta has a serious problem with vehicle theft, ranking No. 12 in the nation by volume, according to research by the National Insurance Crime Bureau. Atlanta saw 6,284 vehicle thefts in the first two quarters of 2025, or 98 thefts per 100,000 people. In comparison, Savannah saw just 327 vehicle thefts in the same time frame.
Atlanta’s vehicle theft rate helps explain the city’s high auto insurance costs, as insurance companies charge higher insurance premiums in areas with higher theft risk.
Auto insurance coverage is more expensive in Georgia compared to the national average. That’s partially because of the damage caused by Hurricane Helene in 2024, which resulted in Georgia car insurance quotes rising by 26%, according to an Insurify report.
The storm’s damage mostly affected the eastern part of the state, including cities like Augusta and Savannah, and Atlanta survived relatively unscathed. But weather disasters affect rates for everyone in the state.
The high levels of vehicle theft, traffic congestion, and overall population density in Atlanta contribute to the city’s higher car insurance premiums than in other parts of the state.
In the table below, you’ll find the average monthly auto insurance quote in Atlanta and other major cities in Georgia:
City | Average Monthly Quote |
|---|---|
| Albany | $191 |
| Alpharetta | $211 |
| Athens | $178 |
| Atlanta | $285 |
| Augusta | $194 |
| Columbus | $190 |
| Dallas | $236 |
| Dalton | $147 |
| Gainesville | $194 |
| Lawrenceville | $251 |
| Macon | $241 |
| Marietta | $234 |
| Savannah | $230 |
| Valdosta | $148 |
| Warner-Robins | $197 |
| Woodstock | $208 |
As a major city and a sprawling metropolitan area, Atlanta sits at the crossroads of several interstates and highways, including its beltway system, Interstate 285, the northbound/southbound I-75 and I-85, the eastbound/westbound I-20, and several state highways.
Under the best of circumstances, these highways can make it easy to get around the Atlanta area. But regular congestion on these major thoroughfares, including stop-and-go traffic during rush hour, contributes to the 32-minute average commute.[2]
The Georgia Department of Transportation offers an interactive map of Atlanta that shows real-time traffic speeds, major incidents, and construction, which can help drivers avoid traffic problems.
Rates in Atlanta are expensive for a few reasons. To start, the city’s high level of vandalism, property crime, vehicle theft, and similar crimes all increase insurance premiums for Atlanta residents.
The city also has a history of extreme weather, from thunderstorms and flooding to winter storms and tornadoes, which also puts Atlantans at risk and increases the average cost of auto insurance.[3]
The Peach State has the following minimum auto insurance requirements: $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.[4]
Auto-Owners offers the cheapest state-minimum liability coverage for Atlanta drivers.
If you’re looking for Atlanta’s cheapest liability auto insurance policy that meets the state minimums, check out the insurers in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $100 |
| State Farm | $106 |
| Country Financial | $109 |
| Allstate | $117 |
| Mile Auto | $120 |
| USAA | $124 |
| Progressive | $154 |
| Mercury | $168 |
| Root | $198 |
| Bristol West | $200 |
| GEICO | $202 |
| GAINSCO | $207 |
| Clearcover | $209 |
| Direct Auto | $211 |
| The General | $226 |
| AssuranceAmerica | $229 |
| National General | $239 |
| Safeco | $243 |
| Trexis One | $243 |
| Mendota | $251 |
| Nationwide | $258 |
In addition to Georgia’s car insurance requirements, a full-coverage auto insurance policy includes collision coverage and comprehensive coverage.
Considering Atlanta’s history of severe weather, vandalism, and vehicle theft, adding collision coverage and comprehensive coverage to your auto insurance policy can help protect you financially.
In Atlanta, Auto-Owners has the lowest rates for full-coverage auto insurance. In the table below, you’ll find the most affordable rates for full coverage in Atlanta.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $181 |
| State Farm | $194 |
| Country Financial | $196 |
| Mile Auto | $207 |
| Allstate | $213 |
| USAA | $226 |
| Mercury | $286 |
| Root | $301 |
| Progressive | $307 |
| Safeco | $322 |
| Direct Auto | $367 |
| National General | $372 |
| AssuranceAmerica | $378 |
| Clearcover | $378 |
| GEICO | $382 |
| Bristol West | $400 |
| GAINSCO | $425 |
| Mendota | $455 |
| Trexis One | $464 |
| Nationwide | $469 |
| The General | $477 |
*Quotes generated for Insurify users in and around Atlanta, Georgia within the last 10 days. Last updated on May 12, 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A safe driver will typically receive the lowest auto insurance quote, but you can still find affordable coverage without a clean driving record.
In Georgia, driving 15 to 18 miles over the speed limit results in two points on your license, with the points increasing with the speed, up to six points for drivers going 34 miles or more over the speed limit.[5]
If you’re among the 3.8% of Atlanta drivers who have a speeding ticket on their driving history, Auto-Owners offers the most affordable rates.
In the table below, you’ll find the best car insurance for Atlanta drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $131 |
| State Farm | $135 |
| Mile Auto | $146 |
| Country Financial | $148 |
| Allstate | $153 |
| USAA | $161 |
| Progressive | $194 |
| Mercury | $233 |
| GAINSCO | $248 |
| Bristol West | $253 |
| Root | $265 |
| GEICO | $265 |
| Direct Auto | $266 |
| Clearcover | $267 |
| AssuranceAmerica | $292 |
| National General | $299 |
| The General | $303 |
| Trexis One | $306 |
| Mendota | $316 |
| Safeco | $320 |
| Nationwide | $335 |
Georgia is an at-fault state, also known as a tort state, which means drivers are held liable for accidents they cause. If you’re at fault in an accident, your insurance coverage will pay for the other party’s damages.
Atlanta drivers with an at-fault accident pay an average of $306 per month for liability insurance.
In Atlanta, 5.4% of all drivers have an at-fault accident on their driving history, according to Insurify data. If you’re among those drivers, you’ll find the cheapest car insurance companies in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $135 |
| State Farm | $144 |
| Country Financial | $152 |
| Allstate | $160 |
| Mile Auto | $165 |
| USAA | $170 |
| Progressive | $212 |
| Mercury | $256 |
| Bristol West | $270 |
| GAINSCO | $271 |
| GEICO | $272 |
| Root | $272 |
| Direct Auto | $294 |
| Clearcover | $304 |
| AssuranceAmerica | $311 |
| The General | $318 |
| National General | $325 |
| Trexis One | $335 |
| Safeco | $345 |
| Mendota | $346 |
| Nationwide | $355 |
It can be difficult to find affordable car insurance companies after receiving a DUI, since many standard insurers either won’t cover drivers after this kind of traffic violation or have higher rates.
Georgia takes driving under the influence seriously, imposing severe penalties on drivers convicted of this offense. A first offense may result in jail time of up to one year, a minimum fine of $300 up to a maximum of $1,000, license suspension of up to one year, a mandatory minimum of 40 hours of community service, and a license reinstatement fee.[6]
Although a DUI is a serious offense, it’s still possible for the 0.6% of Atlanta drivers with a DUI conviction to find the right coverage at a price they can afford. Auto-Owners has the most affordable rates in Atlanta for people with a DUI on their driving record.
In the table below, check out the cheapest insurance companies for Atlanta drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $133 |
| State Farm | $141 |
| Country Financial | $141 |
| Allstate | $155 |
| Mile Auto | $159 |
| USAA | $165 |
| Progressive | $187 |
| Mercury | $237 |
| Root | $265 |
| Bristol West | $266 |
| GEICO | $266 |
| GAINSCO | $275 |
| Clearcover | $277 |
| Direct Auto | $280 |
| The General | $289 |
| Trexis One | $295 |
| AssuranceAmerica | $304 |
| Mendota | $305 |
| National General | $317 |
| Nationwide | $343 |
| Safeco | $343 |
In Georgia, legislation known as Joshua’s Law mandates that 16- and 17-year-old drivers must complete 30 hours of driver education, six hours of behind-the-wheel or 40 hours of parent-taught training, and 40 hours of supervised driving (six at night) to get a driver’s license. This legislation is aimed at protecting both the roughly 17% of Atlanta’s population younger than age 18 who might be learning to drive, as well as anyone sharing the road with these young and inexperienced drivers.[7]
Atlanta teens typically pay the highest insurance premiums of any age demographic, at an average of $385 per month for liability insurance, but it’s still possible to find affordable coverage for teenage drivers.
The table below outlines the cheapest rates for teen drivers in Atlanta.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $171 |
| Auto-Owners | $200 |
| State Farm | $202 |
| USAA | $224 |
| Allstate | $227 |
| Mile Auto | $242 |
| Progressive | $267 |
| Mercury | $301 |
| Clearcover | $335 |
| Root | $336 |
| Bristol West | $347 |
| GEICO | $357 |
| GAINSCO | $361 |
| The General | $397 |
| Direct Auto | $401 |
| Trexis One | $422 |
| Mendota | $436 |
| AssuranceAmerica | $466 |
| National General | $469 |
| Safeco | $484 |
| Nationwide | $494 |
Monthly rates start at $128 for drivers with an incident
In Atlanta, where people age 65 and older make up 12% of the population, a number of insurance companies offer affordable coverage for senior drivers.
Senior drivers in Atlanta pay monthly averages of $199 for liability coverage and $312 for full coverage — the lowest auto insurance rates of any age demographic since they have a lifetime of experience behind the wheel.
In the table below, you’ll find the cheapest car insurance companies for senior drivers in Atlanta.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $81 |
| State Farm | $85 |
| Country Financial | $88 |
| Mile Auto | $97 |
| Allstate | $97 |
| USAA | $103 |
| Mercury | $136 |
| Progressive | $138 |
| GEICO | $164 |
| Root | $169 |
| Bristol West | $170 |
| Direct Auto | $177 |
| GAINSCO | $181 |
| AssuranceAmerica | $183 |
| Clearcover | $189 |
| National General | $192 |
| The General | $197 |
| Nationwide | $202 |
| Safeco | $217 |
| Trexis One | $218 |
| Mendota | $226 |
If you’re looking for the cheapest Atlanta car insurance coverage for your needs, the answers to the following questions will help.
The average Atlanta driver pays $285 per month for car insurance. But your specific insurance premium may vary depending on your deductible, location, driving history, and other factors.
Auto-Owners offers the most affordable auto insurance in Atlanta, with liability rates of $100 per month.
Atlanta’s traffic congestion, high rates of vehicle theft, rate of property crime, and history of severe weather all contribute to the high insurance rates drivers pay in the city.
Yes. As part of Georgia, Atlanta drivers must carry the following state-minimum liability insurance coverage: $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Progressive tends to offer cheaper rates to Atlanta drivers than GEICO. But the rates you get from either of these companies depend on your personal driving history, credit, vehicle, coverage levels, and more.
Vehicle theft rates, uninsured motorists, weather patterns, and road repairs and closures, which can affect traffic and accident rates, all affect car insurance rates in Atlanta.
You can lower your car insurance costs in Atlanta by increasing your deductible, asking about discounts like affinity discounts, bundling homeowners insurance or renters insurance with auto coverage, and practicing safe driving over time.
Insurify data scientists analyzed more than 190 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:
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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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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