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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.
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.
Here are the cheapest carriers in Atlanta for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Travelers | $163/mo |
 Progressive | $169/mo |
 American Family | $246/mo |
 Mercury | $281/mo |
 Nationwide | $327/mo |
| Best Companies | ||
|---|---|---|
American Family | $276/mo | |
 Safeco | $312/mo | |
 Liberty Mutual | $238/mo | |
Mercury | $322/mo | |
Travelers | $207/mo |
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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:
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.
| Driver's Age | |
|---|---|
| teens | $894 |
| 20s | $531 |
| 30s | $369 |
| 40s | $357 |
| 50s | $356 |
| 60s | $336 |
| 70s | $338 |
| 80s | $382 |
| Driving History | |
|---|---|
| No Violation | $385 |
| Speeding Ticket | $475 |
| At-Fault Accident | $482 |
| Failure to Stop for Red Light / Stop Sign | $448 |
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.
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.
| Credit Tie | |
|---|---|
| Excellent | $376 |
| Good | $419 |
| Average | $415 |
| Poor | $434 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
