Cheap Auto Insurance Quotes in Atlanta, GA (2022)

Paying less for car insurance doesn’t mean much if you’re not getting great service, handy tech features, or adequate auto insurance coverage. Even in a city like Atlanta, where car insurance costs are much higher than the national average, it is possible to get superior coverage at a discounted rate. Here, we cover everything you need to get an affordable car insurance policy.

SEE MORE: Cheap Car Insurance Georgia

SEE MORE: Compare Car Insurance

Getting cheap car insurance is important. That’s why we analyzed real car insurance quotes from thousands of drivers in Atlanta. We wanted to understand which auto insurance companies offer the cheapest rates on average. Below is our list of the cheapest companies for car insurance and the average monthly cost for their customers.

SEE MORE: Cheap Car Insurance

Of course, finding great car insurance is more than finding the best rate. Other factors, such as customer satisfaction, technology, and ease of use, make some companies better than others. Below is our analysis of the best car insurance providers in the heart of the Peach State. We include average rates and their Insurify scores (out of 100), which account for more than price.

Insurify Composite Score

The Insurify Composite Score 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.

SEE MORE: Best Car Insurance Companies

Your driving history has one of the largest impacts on your premiums. People with clean driving records—no violations for a set number of years—pay far less on average than people with violations. They also get access to good driver discounts. People with a history of at-fault car accidents, reckless driving, or a DUI tend to pay much more than people with a minor ticket.

SEE MORE: High-Risk Car Insurance Georgia

SEE MORE: DUI Car Insurance Georgia

Maintaining good credit is important for your financial health. But did you know that it can also affect how much you pay for car insurance? People with good credit are considered lower-risk drivers than people with poor or average credit scores. People with excellent credit pay the least on average, often by a significant amount. Another great reason to improve your credit score.

SEE MORE: Bad Credit Car Insurance Georgia

Where you live has one of the largest impacts on what you pay for car insurance. Densely populated areas, areas with high crime or claim rates, and areas with poor road conditions tend to have higher auto insurance rates attached to their ZIP codes. Towns with less congestion, low claim and crime rates, and well-maintained driving surfaces have lower car insurance costs.

Your age affects what you pay for car insurance. Young drivers tend to pay more than older drivers, with teen drivers paying the highest monthly premium on average. This is due to the fact that younger drivers have less experience on the road. The trend reverses as drivers get into their 70s and 80s. This is because drivers over a certain age are at a higher risk of accidents.

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

The DMV is located at 400 Whitehall Street SW in downtown Atlanta. However, there are several more DMVs in the surrounding metro area. Most are open Tuesday through Saturday, with varying hours of operation. You can visit the DMV to obtain, transfer, or renew your driver’s license, take regular or motorcycle knowledge exams, or take a CDL written test.

You can also complete many tasks online through DRIVES e-Services, including tag renewal, registration cancellation, pay insurance fines, change your address, check insurance status, or register a commercial vehicle.

The Metropolitan Atlanta Rapid Transit Authority (MARTA) is Atlanta’s rapid transit system. There are four trains servicing 38 rail stations throughout the city. The rail system is bolstered by 110 city bus routes with more than 500 buses in operation daily. The newest addition, the Atlanta Streetcar, is a light-rail route with an additional 12 stations. A one-way fare costs $2.50.

Beyond MARTA, Atlanta residents can also use shuttles and taxi services to get around. The in-town neighborhoods are made to be walked, with wide sidewalks and charming architecture. Finally, the city is bicycle-friendly with more than 100 miles of bike lanes and more to come. The Atlanta BeltLine circles the city with 22 miles of reclaimed railroad tracks for biking or walking.

Cheap auto insurance begins with understanding how much insurance you need. Minimum coverage (a.k.a. liability insurance) costs less than full coverage. You can also adjust your deductible to lower your rate. Consider what types of discounts you’re eligible for—bundling with a renters or homeowners insurance policy is the easiest way to lower insurance premiums.

Your last step is to compare car insurance quotes from competitors. Insurify makes this last step easy. Fill out one confidential form with Insurify and receive a dozen or more real quotes. You can easily adjust coverage options and review car insurance discounts. If you have questions, unbiased insurance agents are a phone call away. See how much you can save today.