Car Insurance Car insurance in Atlanta: Cheapest insurance and average rates Auto-Owners has the cheapest car insurance in Atlanta at $153 monthly for a full coverage insurance policy. See how car insurance in Atlanta, GA, compares to other large U.S. cities. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. Reviewed by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. Expert insight from Alaina Hixson Alaina Hixson Nashville-based director of sales and operations at The Churchill Agency.Go to comment Updated on: September 5, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance in Atlanta costs $2,470 per year for full coverage – $206 monthly. Auto-Owners offers the cheapest car insurance policy at $153 per month. Atlanta’s metro area is home to more than 5 million people. If you are moving to Atlanta — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Atlanta that will provide the coverage you need. Learn more about what a typical policy costs in Atlanta and what you need to know if you are new to the city. Key Takeaways Full-coverage car insurance in Atlanta costs an average of $2,470 per year, more than the nationwide average of $1,895. The cheapest car insurance company for a full-coverage policy in Atlanta is Auto-Owners, at $153 monthly. Car insurance rates in Atlanta are on the expensive side compared to those of other large cities across the U.S. How to find the best car insurance in Atlanta With the right tools and a little work, you can find the best car insurance policy in Atlanta that marries the coverage you need with a cost you can afford. Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Make sure you get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford. Cheapest car insurance company in Atlanta Auto-Owners provides the cheapest car insurance in Atlanta, according to recent data. It costs an average of $1,830 annually to purchase a full-coverage policy from the insurer. The next cheapest car insurance companies are USAA and Central Insurance. See other cheap car insurance rates in Atlanta in the table below. Average annual rates from insurers in Atlanta Company Average annual rates for state minimum Annual rates for 50/100/50 liability onlyAverage annual rates for full coverageAuto-Owners$517$681$1,830USAA$759$1,009$2,028Central Insurance$654$898$2,070Progressive$852$1,162$2,283Country Financial$596$1,229$2,290Allstate$859$1,071$2,513Geico$677$1,080$2,592State Farm$1,045$1,333$2,935Mercury Insurance$996$1,271$3,003Safeway Insurance$1,336$1,548$3,244 How much is car insurance in Atlanta per month? Atlanta residents can expect to pay an average of $206 per month in full coverage car insurance costs, or $67 per month for the state minimum coverage. Of course, some drivers pay less than this average, while others pay more. Factors that determine how much you pay for car insurance include the insurance company you choose and the amount of coverage you need. Other factors — including your age and gender, the type of car you drive, and your history of accidents and violations — also influence car insurance costs. Monthly rates for car insurance in Atlanta, Georgia Company Average monthly rates for state minimum Average monthly rates for 50/100/50 liability onlyAverage monthly rates for full coverageAuto-Owners$43$57$153USAA$63$84$169Central Insurance$54$75$173Progressive$71$97$190Country Financial$50$102$191Allstate$72$89$209Geico$56$90$216State Farm$87$111$245Mercury Insurance$83$106$250Safeway Insurance$111$129$270 How do rates in Atlanta compare to other large cities in the U.S.? The cost of coverage in Atlanta is higher than in other major cities. Atlanta drivers pay more than other Georgia drivers – the statewide rate is $1,970 annually, compared with Atlanta’s $2,470. See how much you can expect to pay for car insurance in several major U.S. cities in the table below. Monthly full-coverage car insurance costs in major U.S. metropolitan areas City Average monthly premiums Albuquerque$186Atlanta$206Austin$161Bakersfield$206Chicago$161Colorado Springs$196Dallas$190Fresno$199Houston$193Kansas City$180Long Beach$223Los Angeles$262Mesa$165Miami$279Milwaukee$168Minneapolis$182New York$217Oakland$234Omaha$162Philadelphia$232Phoenix$188Raleigh$142Sacramento$222San Antonio$182San Diego$194San Jose$200Tampa$261Tucson$157Tulsa$195Virginia Beach$121Wichita$166 Here’s what you need to know when driving in Atlanta Atlanta residents face some of the most congested roads in the U.S. In 2022, drivers in Atlanta lost an average of 74 hours in traffic, according to INRIX, which looks at traffic patterns. That makes Atlanta the 10th most-congested city in the country. If you are driving in the Atlanta area during rush hour, you can expect to spend an extra 20.5 minutes in traffic, according to the website CoPilot. That places Atlanta at No. 12 among all cities in the nation when it comes to losing time due to rush hour. Other things to remember when driving around Atlanta: Speed limits in Atlanta are typically 25 mph on residential roads, and 65 on urban freeways. Signs should mark when speed limits vary from these standards. There are no toll roads in Atlanta or the rest of Georgia. There are some roads where you can pay extra to drive in an express lane. Atlanta has almost 2,000 electric charging stations. That makes the city very friendly to those who drive electric cars. How much car insurance do I need in Atlanta? Georgia law requires you to purchase a minimum amount of liability car insurance coverage. These amounts are the same in both states: $25,000 per person for bodily injury $50,000 per incident for bodily injury $25,000 per incident for property damage This is often referred to as “25/50/25 coverage.” Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. That means drivers might also be interested in purchasing insurance beyond the minimums to protect their own vehicles, such as comprehensive and collision coverage. If you are unsure of how much coverage you need, consult with an insurance agent who can help. Average cost of car insurance in Atlanta The average cost of full-coverage car insurance in Atlanta is $2,470 annually. That compares to a statewide average of $1,970 and a nationwide average of $1,895. Annual average rates in Atlanta for state minimum coverage and full coverage State minimum coverage in AtlantaAnnual full coverage rates in Atlanta$802$2,470 How much does car insurance in Atlanta cost with violations? Violations like speeding tickets often cause a significant but manageable rise in rates. Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. “Tickets, accidents and claims are all contributing factors to auto insurance rates,” says Alaina Hixson, a Nashville-based director of sales and operations at The Churchill Agency. “However, not all are created equally.” See rate increases in Atlanta in the table below by violation. Violation typeRate increase percentageAt-fault accident55%Bad credit97%DUI73%Speeding34% Cheapest car insurance in Atlanta by age Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more. See how much you can expect to pay by age in the table below. Annual rates for state minimum and full coverage car insurance in Atlanta, by age AgeState minimum coverageFull coverage18$2,567$6,97725$985$3,05940$802$2,47065$781$2,339 Compare auto insurance rates in Atlanta by ZIP code Where you live also plays a role in how much you pay for car insurance. Here are the Atlanta area ZIP codes with the cheapest and most expensive car insurance rates. See the tables below for the cheapest and most expensive ZIP codes for car insurance in Atlanta. Cheapest annual car insurance rates in Atlanta, by ZIP code ZIP codeAverage annual rate30305$2,10730306$2,14530326$2,15130361$2,15630309$2,17130345$2,20630307$2,23030341$2,23330324$2,245 Most expensive annual car insurance rates in Atlanta, by ZIP code ZIP codeAverage annual rate30314$2,92130310$2,86530311$2,80630354$2,78230315$2,78130349$2,76330331$2,72830312$2,67430334$2,63430318$2,630 Our recommendations: Car insurance for drivers in Atlanta If low prices are your top focus when shopping for car insurance, Auto-Owners might be your best choice. It has the lowest average rates in our survey. However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Atlanta. What our expert says Q: Will violations increase your car insurance rates? Alaina HixsonNashville-based director of sales and operations at The Churchill Agency. “Tickets, accidents and claims are all contributing factors to auto insurance rate. However, not all are created equally.” Resources & Methodology Sources: CoPilot. “Cities That Lose the Most Time in Rush Hour Traffic.” Accessed February 2024. Georgia Office of Commissioner of Insurance and Safety Fire. “Auto Insurance.” Accessed February 2024 Georgia Public Broadcasting. “10 Interesting Facts About Atlanta.” Accessed February 2024. Georgia Public Broadcasting. “Metro Atlanta population hits 5.16 million.” Accessed February 2024. Hertz. “Atlanta driving guide.” Accessed February 2024. INRIX. “Inrix 2022 Global Traffic Scorecard.” Accessed February 2024. INRIX. “Atlanta GA.” Accessed February 2024. Methodology In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C. Chris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How to find the best car insurance in AtlantaCheapest car insurance company in AtlantaHow much is car insurance in Atlanta per month?How do rates in Atlanta compare to other large cities in the U.S.?Here’s what you need to know when driving in AtlantaAverage cost of car insurance in AtlantaCheapest car insurance in Atlanta by ageCompare auto insurance rates in Atlanta by ZIP codeOur recommendations: Car insurance for drivers in AtlantaWhat our expert saysResources & Methodology ZIP Code Please enter valid ZIP See rates