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.
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.
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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The average cost of car insurance in Atlanta is $248, 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 $274 per month, and liability-only coverage is $222.
Full-coverage car insurance costs Atlanta drivers $3,284 per year, on average.
Drivers with DUIs pay the most for car insurance in Atlanta, at an overall average of $426 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Hugo
7.0
N/A
$57
Short-term car insurance
Auto-Owners
8.5
$97
$64
Affordability
State Farm
6.8
$104
$69
Families
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 10 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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0/10
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.
$73/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.
$293/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.
It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.
Kimberly - July 14, 2024
Verified
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
Jennifer - July 13, 2024
Verified
Rate Increase If You Turn Off and On
I can't say much except that I don't like the rate hike because I didn't use it.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
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.
$82/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.
$125/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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$89/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.
$134/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.
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
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 $73 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: Monday, July 1 at 12:00 PM PDT.
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.
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: Auto-Owners
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.”
Auto-Owners has the cheapest full-coverage car insurance in Atlanta, with monthly liability-only rates starting at $125.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
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.
Car insurance requirements in Georgia
Georgia requires the following minimum insurance requirements for all registered vehicles:[1]
Coverage
Minimum 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:
Comprehensive
This insurance covers incidents that collision coverage doesn’t, such as theft, fires, and vandalism.
Collision
This covers the damages associated with your vehicle colliding with another vehicle, property, or object like a telephone pole.
Uninsured motorist
This covers expenses related to damages that an uninsured driver causes your car, you, or your passengers.
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.
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 $318 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $98.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
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 $110 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: Monday, July 1 at 12:00 PM PDT.
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.
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.
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 $210 per month for full coverage and $170 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $504 for full coverage and $408 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: Monday, July 1 at 12:00 PM PDT.
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.
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.
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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 $248 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.
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.
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 $248 per month. Drivers pay $222 per month for liability coverage and $274 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 $73, $82, and $89 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.
Federal Trade Commission. "Credit-based Insurance Scores: Impacts on Consumers of Automobile Insurance."
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.
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.
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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Auto-Owners
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