Finding the best car insurance rates in any city requires some comparison shopping. In this article, our Home Media reviews team will break down average auto coverage rates in Atlanta, Georgia and the top insurance providers in the area. Once you’re ready to shop for a policy, we recommend comparing quotes from several of the best car insurance companies to lock in the cheapest rates.
Cheapest Car Insurance Atlanta
Auto-Owners Insurance, Georgia Farm Bureau Insurance and USAA offer consistently low car insurance rates for Atlanta drivers. As we share auto insurance coverage estimates in this article, we’ll also discuss how demographics and driving records influence insurance premiums.
Cheapest Liability Car Insurance in Atlanta
According to our cost estimates, Auto-Owners Insurance offers the cheapest minimum liability car insurance in Atlanta at just $39 per month or $468 per year. Georgia Farm Bureau Insurance and USAA are also among the cheapest car insurance companies for minimum coverage, with average rates of about $50 per month. However, keep in mind that USAA is only available to members of the military, veterans and their eligible family members.
The state minimum car insurance requirements in Georgia are $25,000 bodily injury liability per person and $50,000 per incident. Georgia drivers also need to have $25,000 per incident in property damage liability.
Cheapest Full-Coverage Car Insurance in Atlanta
Georgia Farm Bureau Insurance offers the cheapest full-coverage policy in Atlanta at just $118 per month or $1,417 per year. USAA is close behind at $119 per month or $1,433 per year.
Full-coverage car insurance includes both collision and comprehensive coverage. Collision coverage helps pay for damages to your car from accidents you cause. Comprehensive coverage protects your vehicle from damage related to theft, vandalism and environmental causes.
Car Insurance Quotes in Atlanta
Car insurance quotes in Atlanta vary according to many factors. Your age group, marital status and driving history all play key roles in your car insurance premiums.
Cheapest Car Insurance Atlanta: Age and Marital Status
Older drivers and married drivers pay lower rates on car insurance than those who are younger and single. Coverage rates for young drivers and teen drivers in particular are especially high, as they’re more likely to be involved in accidents.
According to our cost data, USAA offers the lowest car insurance rates for single 24-year-olds in Atlanta, while Georgia Farm Bureau Insurance offers the cheapest coverage for married 35-year-olds.
Cheapest Car Insurance Atlanta: Gender
USAA offers the cheapest full-coverage car insurance for both male and female drivers in Atlanta. Auto-Owners Insurance and Georgia Farm Bureau Insurance also offer low rates for both male and female drivers in the city.
Cheapest Car Insurance Atlanta: High-risk Drivers
Speeding tickets, at-fault accidents and driving under the influence (DUI) violations have a significant impact on car insurance rates. While good drivers with clean driving records pay the lowest rates, repeated offenses on a driving record are especially harmful, as auto insurance companies view these drivers as major risks.
Car Insurance Prices in Atlanta: Speeding Ticket
Atlanta drivers with a speeding ticket for going 16-20 miles per hour over the speed limit can find affordable car insurance policies through Georgia Farm Bureau Insurance. The company offers full coverage for $118 per month or $1,418 per year to Atlanta drivers with speeding violations.
Car Insurance Prices in Atlanta: At-fault Accident
Georgia Farm Bureau Insurance offers the cheapest auto insurance for drivers with an at-fault car accident, with average costs of $149 per month or $1,788 per year.
Car Insurance Prices in Atlanta: DUI
Cheap auto insurance rates are much harder to come by for Atlanta drivers with a DUI violation. State Farm offers the cheapest coverage for these motorists at $206 per month or $2,472 per year. Country Financial is close behind at $216 per month or $2,590 per year.
Average Cost of Car Insurance in Atlanta
Atlanta drivers pay more than the national average for full-coverage and minimum-liability auto insurance policies. The average rate for full coverage in Atlanta is $163 per month or $1,951 per year, which is above the national average of $144 per month or $1,730 per year.
When it comes to minimum liability coverage, Atlanta drivers pay an average of $68 per month or $815 per year. The national average for minimum coverage is $53 per month or $635 per year.
Car Insurance Prices in Atlanta: What Affects Them?
There are a few key factors that determine car insurance rates, including:
- Age
- Gender
- Marital status
- Location
- Type of vehicle
- Driving history
- Credit score
Cheap Car Insurance in Atlanta: Conclusion
Atlanta drivers pay more for car insurance than the national average. To find the best rates, you’ll need to shop around and compare car insurance rates from a range of providers. You can also get lower premiums by choosing a plan with lower coverage limits and a higher deductible, as well as by taking advantage of any car insurance discounts available.
Cheapest Auto Insurance in Atlanta: FAQ
Below are frequently asked questions about car insurance in Atlanta:
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