Cheapest Auto Insurance in Alpharetta, Georgia (2024)

The average monthly cost of liability car insurance in Alpharetta is $162, which is higher than the state average of $145 and the national average of $104.

A thriving suburb of Atlanta, Alpharetta is located in Fulton County, which has a countywide population of nearly 1.1 million.^[1] Having so many people on the roads commuting in and out of the city increases the risk of accidents, which can affect rates for Alpharetta residents.

But the rates you pay in Alpharetta will depend on several factors, including your age, driving history, gender, vehicle type, and more. Here’s what you need to know about comparing car insurance rates to help make your daily commute a little more affordable.

3 of the cheapest car insurance companies in Alpharetta

The cheapest car insurance company in Alpharetta may not be the same for every driver. That’s because each insurer offers a different menu of discounts and coverages, and they all have different formulas for setting rates.

Insurers usually base premiums on factors like gender, marital status, ZIP code, driving history, and credit. But the weight companies apply to these factors can vary from one company to the next. To find the best insurance coverage for your needs, it’s important to compare quotes from several insurers.

Here’s a brief look at three of the cheapest insurers in Alpharetta.

Best insurer for short-term coverage: Hugo

Best insurer for collision coverage: Auto-Owners

Best insurer for teen drivers: State Farm

How to get the cheapest car insurance in Alpharetta

Factors like your driving record and the car you own can influence your car insurance rates, but so do personal characteristics like your age, gender, marital status, and ZIP code.^[3] Each insurance company uses its own underwriting formula to determine rates, which is why it’s so important to shop around to find the lowest premium.

Here are some other strategies you can use to get the cheapest rates for coverage in Alpharetta:

• Adjust your coverage amount. Lowering your coverage limits, buying fewer endorsements, and increasing your deductible can generally help lower your insurance costs. Just be sure you have enough coverage to protect yourself financially in the event of an accident.

• Ask about discounts. Your insurance company may offer ways to help lower your premium. For example, you may get discounts for driving safely, bundling multiple insurance policies, and paying your premium in full.

• Consider a telematics program. Many insurers offer telematics programs, in which you use an app or install a device in your car that tracks your driving habits. Safe drivers can save money using these programs.

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Cheapest liability-only car insurance in Alpharetta: Hugo

Georgia requires all drivers to carry liability insurance, which pays for the other driver’s medical expenses and property damage when you’re at fault in a car accident.

Liability-only car insurance costs $162 per month in Alpharetta, on average.

The table below shows the cheapest liability insurers in the city.

Cheapest full-coverage car insurance in Alpharetta: Hugo

Each insurance company may have its own definition of full-coverage insurance, but these policies always include liability coverage with at least the state-mandated limits.

They also typically include collision coverage, which pays to repair or replace your own vehicle after an auto accident, and comprehensive coverage, which pays for repairs or replacement after other types of incidents, like severe weather, falling objects, theft, and vandalism.

Alpharetta drivers pay a monthly average of $207 for full-coverage car insurance. You can check out average full-coverage rates from the insurers in the table below.

Car insurance requirements in Georgia

Georgia law requires all drivers to carry bodily injury liability and property damage liability insurance to operate a motor vehicle on its public roads and highways. 

Georgia is an at-fault state, which means you’re responsible for paying the other driver’s costs when you cause a car accident. Victims can seek compensation for costs related to bodily injury and property damage in addition to future medical bills, time off from work, mental distress, and even death.

The following table shows you the minimum insurance requirements you must meet to drive legally in the state of Georgia:^[4]

Georgia doesn’t require further coverages, but you can give yourself more financial protection by adding any of these endorsements:

• 

  Collision coverage

  Collision insurance pays for your own car’s repair bills when you’re in an accident with another car or an object, such as a telephone pole.

• 

  Comprehensive coverage

  Comprehensive insurance covers incidents that collision coverage doesn’t, such as vandalism, theft, and animal damage.

• 

  Uninsured/underinsured motorist coverage

  If you’re in a car accident with another driver who doesn’t have enough car insurance or has none at all, uninsured/underinsured motorist coverage pays expenses for you and your passengers.

• 

  Medical payments coverage

  Medical payments coverage pays for medical expenses that health insurance won’t pay for you and your passengers, even if you’re at fault.

• 

  Roadside assistance coverage

  If you’re stranded on the side of the road, this coverage pays for the costs of services like towing, jump-starts, tire changes, and more.

Cheapest car insurance for drivers with an incident

Drivers with a clean record often pay the lowest insurance rates. But if you have a past moving violation on your driving record — such as an at-fault accident, speeding ticket, or driving under the influence — you can expect to pay higher insurance premiums. That’s because such drivers are more likely to file a claim and therefore pose a higher risk to auto insurers.

On average, Alpharetta drivers with a past incident pay $227 per month for liability-only car insurance. The severity and frequency of your violations also influence how much you pay for car insurance.

In the table below, you can compare car insurance rates for various insurers in Alpharetta for drivers with a clean record versus drivers with an incident.

Average cost of car insurance by age

Young drivers lack experience behind the wheel and are more likely to be involved in car accidents, so they pay the highest car insurance rates of any age group.^[5] Fortunately, rates start decreasing around age 35 and follow the same trend for the next few decades. Premiums then rise for senior drivers around age 70, when the risk of an accident increases.

The table below shows average monthly quotes for Alpharetta drivers by age group.

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Alpharetta car insurance quotes by credit tier

Georgia law allows car insurance companies to consider your credit history when determining your premium rates. Drivers with excellent or good credit scores pay less for car insurance because they’re less likely to file a claim. And drivers with poor credit scores typically pay higher rates.

The chart below shows average rates for consumers based on their credit tier.

Alpharetta car insurance FAQs