Cheapest Auto Insurance in Atlanta, Georgia (2024)

Hugo offers the cheapest car insurance in Atlanta, with minimum-coverage policies as low as $70 per month.

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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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Shawn Powers
Reviewed byShawn Powers
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin 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.

Updated June 20, 2024

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Cheapest recent rates near Atlanta, Georgia

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $69/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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Atlanta is $243, which is more expensive than Georgia’s average rate of $193. 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.

Hugo, Auto-Owners, and State Farm are the cheapest car insurance companies in Atlanta. However, 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 $270 per month, and liability-only coverage is $216.

  • Full-coverage car insurance costs Atlanta drivers $3,235 per year, on average.

  • Drivers with DUIs pay the most for car insurance in Atlanta, at an overall average of $421 per month for a liability-only policy.

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Cheapest 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 possible policy for your needs.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Hugo7.0$199$57Short-term car insurance
Auto-Owners8.5$98$64Affordability
State Farm6.8$105$69Families
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for short-term car insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
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
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.
$70/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.
$111/mo

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

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Best insurer for affordability: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$81/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.
$122/mo

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

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$88/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.
$130/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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 liability-only car insurance in Atlanta: Hugo

Liability-only car insurance is the minimum coverage you need to legally drive your vehicle. This coverage pays for the other driver’s damages and injuries when you’re at fault for an accident.

The cheapest insurer for liability-only car insurance in Atlanta is Hugo, with a starting cost of $70 per month.

Each state has its own minimum requirements, so no matter which insurer you choose in Atlanta, its liability-only policy must meet Georgia’s state requirements.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
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 CompanyAverage Monthly Quote
Hugo$70
Auto-Owners$81
State Farm$88
COUNTRY Financial$89
Allstate$96
Mile Auto$96
USAA$103
Progressive$118
Safeco$123
State Auto$125
Mercury$140
GEICO$142
Clearcover$150
National General$167
Elephant$173
Liberty Mutual$173
Direct Auto$174
AssuranceAmerica$177
GAINSCO$192
Midvale Home & Auto$195
Nationwide$212
Infinity$252
The General$263
Foremost$313
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 full-coverage car insurance in Atlanta: Hugo

Full-coverage car insurance combines liability only with collision and comprehensive insurance, which cover additional damages to your vehicle. Collision insurance covers collisions with cars and other objects, like trees and fences. Comprehensive coverage pays for things like weather and vandalism.

“More than 1 million vehicle thefts were reported across the U.S. in 2022,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute. “This very reasonable optional coverage also covers losses from vandalism, fires, weather hazards, and cracked windshields.”

Hugo has the cheapest full-coverage car insurance in Atlanta, with monthly liability-only rates starting at $111.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
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 CompanyAverage Monthly Quote
Hugo$111
Auto-Owners$122
State Farm$130
COUNTRY Financial$133
Allstate$143
USAA$153
Mile Auto$158
Safeco$198
Progressive$199
GEICO$212
Mercury$224
Elephant$243
State Auto$268
Clearcover$277
Midvale Home & Auto$293
AssuranceAmerica$303
Liberty Mutual$307
Nationwide$316
Direct Auto$329
National General$344
Foremost$383
GAINSCO$391
The General$450
Infinity$463
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 recent rates near Atlanta, Georgia

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $69/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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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]

CoverageMinimum 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 do recommend that drivers consider carrying the following types of insurance:

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

    Comprehensive

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    This 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 motorist

    This covers expenses related to damages that an uninsured driver causes your car, you, or your passengers.

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

    Medical payments

    This 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

    This 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 and responsible 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 increases will be.

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Cheapest car insurance for drivers with a speeding ticket: Hugo

Speed is a significant contributing factor in traffic fatalities, which is one reason why insurers may consider it a costly mistake even if you weren’t involved in a collision.[2] Insurers view speeding as very risky behavior, as it increases the likelihood of an accident, so they’ll likely increase your rates to compensate for this added risk.

Drivers in Atlanta with a speeding ticket pay $314 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: Tuesday, June 18 at 12:00 PM PDT
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 CompanyClean RecordWith Ticket
Hugo$70$97
Auto-Owners$81$107
State Farm$88$114
COUNTRY Financial$89$119
Allstate$96$126
Mile Auto$96$134
USAA$103$135
Progressive$118$155
Safeco$123$164
State Auto$125$178
Mercury$140$197
GEICO$142$186
Clearcover$150$199
National General$167$217
Elephant$173$249
Liberty Mutual$173$249
Direct Auto$174$229
AssuranceAmerica$177$236
GAINSCO$192$277
Midvale Home & Auto$195$265
Nationwide$212$280
Infinity$252$344
The General$263$349
Foremost$313$451
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: Hugo

Since 2017, fatal car crashes have increased in Atlanta, while the total number of reported crashes have 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]

Hugo offers the cheapest insurance in Atlanta for drivers with an accident on their record. Its monthly liability-only rates start at $94.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
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 CompanyClean RecordWith Accident
Hugo$70$94
Auto-Owners$81$112
State Farm$88$121
COUNTRY Financial$89$128
Allstate$96$133
Mile Auto$96$144
USAA$103$143
Progressive$118$166
Safeco$123$166
State Auto$125$190
Mercury$140$206
GEICO$142$197
Clearcover$150$221
National General$167$233
Elephant$173$236
Liberty Mutual$173$261
Direct Auto$174$246
AssuranceAmerica$177$246
GAINSCO$192$257
Midvale Home & Auto$195$286
Nationwide$212$297
Infinity$252$345
The General$263$372
Foremost$313$473
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: Hugo

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.

The cheapest insurance company in Atlanta for drivers with a DUI is Hugo, with monthly rates as low as $120 for a liability-only policy. The insurers below also offer affordable insurance coverage to drivers with a DUI on their records.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
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 CompanyClean RecordWith DUI
Hugo$70$120
Auto-Owners$81$138
State Farm$88$150
COUNTRY Financial$89$152
Allstate$96$164
Mile Auto$96$148
USAA$103$176
Progressive$118$202
Safeco$123$210
State Auto$125$214
Mercury$140$216
GEICO$142$243
Clearcover$150$256
National General$167$285
Elephant$173$296
Liberty Mutual$173$296
Direct Auto$174$297
AssuranceAmerica$177$303
GAINSCO$192$328
Midvale Home & Auto$195$333
Nationwide$212$362
Infinity$252$431
The General$263$449
Foremost$313$535
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?

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

Cheapest car insurance for seniors: Auto-Owners

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 $208 per month for full coverage and $167 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: Tuesday, June 18 at 12:00 PM PDT
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 CompanyAverage Monthly Quote
Hugo$48
Auto-Owners$61
State Farm$66
COUNTRY Financial$68
Mile Auto$70
Allstate$75
USAA$79
Progressive$82
State Auto$93
Safeco$97
Mercury$102
GEICO$109
Clearcover$116
National General$127
AssuranceAmerica$129
Direct Auto$130
Elephant$132
Liberty Mutual$134
Midvale Home & Auto$144
GAINSCO$153
Nationwide$153
Infinity$183
The General$208
Foremost$236
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: Hugo

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 $495 for full coverage and $396 for liability-only coverage.

Even with high rates, some teens can get lower premiums by staying on their parents’ plans, 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: Tuesday, June 18 at 12:00 PM PDT
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 CompanyAverage Monthly Quote
Hugo$123
COUNTRY Financial$133
Auto-Owners$141
State Farm$151
Allstate$170
USAA$173
Mile Auto$188
Progressive$215
State Auto$224
GEICO$227
Mercury$257
Safeco$258
Elephant$289
Clearcover$294
Direct Auto$321
Liberty Mutual$323
National General$323
AssuranceAmerica$332
Midvale Home & Auto$340
GAINSCO$345
Nationwide$367
The General$430
Infinity$467
Foremost$562
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.

Compare Atlanta Car Insurance Rates

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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. However, 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.

Is car insurance more expensive in Atlanta?

Altanta’s average car insurance rate is $243 per month, which is higher than the Georgia state average of $193. Atlanta’s average rates are higher than other cities since it’s so large and densely populated — with inherently more risks than smaller cities.

More cities in Georgia

Looking at other cities in Georgia, you’ll find lower auto rates in many popular cities. Savannah’s rates may be lower due to its compact and pedestrian-friendly city center.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Augusta$235$144
Columbus$237$140
Lawrenceville$266$173
Marietta$241$167
Savannah$271$181
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.
Check Out: Car Insurance Rates by State

Check Out: Car Insurance Rates by State

Atlanta car insurance FAQs

Finding cheap car insurance can be difficult. Check out these answers to some commonly asked questions about car insurance in Atlanta.

  • How much is car insurance in Atlanta?

    The average cost of car insurance in Atlanta is $243 per month. Drivers pay $216 per month for liability coverage and $270 per month for full coverage.

  • Which company has the cheapest car insurance in Atlanta?

    Hugo, Auto-Owners, and State Farm have the cheapest insurance in Atlanta. Their liability-only rates start at $70, $81, and $88 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 4.4, an A.M. 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 4.0 and an A.M. 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 $193 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
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.

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.

Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
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Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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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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