Finding the best auto insurance rates in any city requires comparison. In this article, our Home Media review team will break down the average auto coverage rates in Atlanta, Georgia, and the region’s top insurers. Once you’re ready to buy a policy, we recommend comparing quotes from several of the best car insurance companies to get the cheapest rates.
Cheapest auto insurance in Atlanta
Auto-Owners Insurance, Georgia Farm Bureau Insurance, and USAA offer consistently low auto insurance rates for Atlanta drivers. As we share auto insurance coverage estimates in this article, we will also discuss how demographics and driving records influence insurance premiums.
Cheapest auto liability insurance in Atlanta
According to our cost estimates, Auto-Owners Insurance offers the cheapest minimum liability auto insurance in Atlanta at just $39 per month Where $468 per year. Georgia Farm Bureau Insurance and USAA are also among the cheapest car insurance companies for minimum coverage, with average rates around $50 per month. However, keep in mind that USAA is only available to military personnel, veterans, and eligible family members.
The minimum state auto insurance requirements in Georgia are $25,000 bodily injury liability per person and $50,000 per incident. Georgia drivers must also have $25,000 per incident property damage liability.
Cheapest comprehensive auto insurance in Atlanta
Georgia Farm Bureau Insurance offers the cheapest full coverage policy in Atlanta at just $118 per month Where $1,417 per year. USAA is right behind at $119 per month Where $1,433 per year.
Comprehensive auto insurance includes both collision and comprehensive coverage. Collision insurance helps pay for damage to your car caused by accidents you cause. Comprehensive coverage protects your vehicle against damage from theft, vandalism and environmental causes.
Auto Insurance Quotes in Atlanta
Auto insurance quotes in Atlanta vary depending on many factors. Your age group, marital status, and driving history all play a key role in your car insurance premiums.
Cheapest Car Insurance in Atlanta: Age and Marital Status
Older drivers and married drivers pay lower auto insurance rates than those who are younger and single. Coverage rates for young drivers and teenage drivers in particular are particularly high, as they are more likely to be involved in crashes.
According to our cost data, USAA offers the lowest auto 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 in Atlanta: Gender
USAA offers the cheapest comprehensive auto insurance for male and female drivers in Atlanta. Automobile Owners Insurance and Georgia Farm Bureau Insurance also offer low rates for male and female drivers in the city.
Cheapest Car Insurance in Atlanta: High-Risk Drivers
Speeding tickets, at-fault accidents and driving under the influence (DUI) have a significant impact on auto insurance rates. While good drivers with a good driving record pay the lowest rates, repeated driving record violations are especially detrimental because car insurance companies consider such drivers to be major risks.
Atlanta Car Insurance Prices: Speeding
Atlanta drivers with a speeding ticket for going 16 to 20 miles per hour over the speed limit can find affordable auto insurance policies through Georgia Farm Bureau Insurance. The company offers comprehensive coverage for $118 per month Where $1,418 per year to Atlanta drivers with speeding violations.
Atlanta Auto Insurance Prices: At-Fault Accident
Georgia Farm Bureau Insurance offers the cheapest car insurance for drivers in at-fault car accidents, with average costs of $149 per month Where $1,788 per year.
Car Insurance Prices in Atlanta: DUI
Cheap car insurance rates are much harder to find for Atlanta drivers with a DUI violation. State Farm offers the least expensive coverage for these motorists at $206 per month Where $2,472 per year. Country Financial is closely following $216 per month Where $2,590 per year.
Average cost of auto insurance in Atlanta
Atlanta drivers pay more than the national average for full coverage, minimum liability auto insurance policies. The average price for full coverage in Atlanta is $163 per month Where $1,951 per yearwhich is higher than the national average of $144 per month Where $1,730 per year.
When it comes to minimum liability coverage, Atlanta drivers pay on average $68 per month Where $815 per year. The national average for minimum coverage is $53 per month Where $635 per year.
Atlanta Car Insurance Prices: What Affects Them?
There are a few key factors that determine car insurance rates, including:
- Marital status
- Vehicle type
- 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 auto insurance rates from a range of suppliers. You can also get lower premiums by choosing a plan with lower coverage limits and a higher deductible, as well as taking advantage of available car insurance discounts.
Cheapest Car Insurance in Atlanta: FAQs
Below are frequently asked questions about car insurance in Atlanta: