Cheap Auto Insurance Quotes in Atlanta, GA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Atlanta, GA

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.

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Cheapest Car Insurance in Atlanta, GA

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.

Best Car Insurance in Atlanta, GA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Atlanta. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Atlanta, GA Driving Facts

Minimum Car Insurance Requirements in GA

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
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Atlanta Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$894
20s$531
30s$369
40s$357
50s$356
60s$336
70s$338
80s$382
Driving HistoryAvg. Monthly Cost
No Violation$385
Speeding Ticket$475
At-Fault Accident$482
Failure to Stop for Red Light / Stop Sign$448

Atlanta Car Insurance Rates by Driving and Accident History

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.

Atlanta Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$376
Good$419
Average$415
Poor$434

Atlanta, GA DMV Information

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.

Public Transportation in Atlanta, GA

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.

Conclusion: How to get the best and cheapest car insurance in Atlanta, GA

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Atlanta stacks up for the state of Georgia:

honda
Honda Accord
Most Popular Car in
Atlanta, GA
suspended licenses
#65
Cities with Most
Suspended Licenses Rank

FAQs - Atlanta, GA Car Insurance

Is car insurance in Atlanta priced competitively?

Many drivers find that they pay up to 15 percent more than those in other parts of the nation when it comes to Atlanta auto insurance. Not only does the state see a large number of accidents, but insurance companies are allowed to raise rates without needing approval from the state insurance commissioner.

Does my credit affect my insurance rates in Atlanta?

Georgia drivers with poor credit could pay almost double each year compared to those with great credit, depending on who they purchase their auto insurance from. Unlike some states that won’t check this factor at all, those in Georgia will find that car insurance companies take this data very seriously.

How can I get a low rate on my auto coverage in Georgia?

If you have good credit and a relatively clean driving record, you’re in a position to price shop among major insurance companies. It’s best to do some research ahead of time and consider all of your driving habits and budget needs before enrolling in what seems like the cheapest option.