Cars and Trucks

Car Insurance in Atlanta, Georgia: Everything You Need to Know

If you’re shopping for car insurance in Atlanta, Georgia, you can expect to pay an average rate of $1923 per year, according to data from the website QuoteWizard. Drivers in the city pay significantly more than both the national average of $1548 per year and the state average of $1609 per year. Review the factors that contribute to the cost of auto insurance in Atlanta so you can find the right policy for your needs.

Most Affordable Atlanta Auto Insurance Companies

Data from the auto insurance website Value Penguin reveal that auto insurance rates in Atlanta differ among providers by as much as 260 percent. Shopping around for coverage can result in serious savings. ValuePenguin reports the average annual cost for Atlanta drivers by insurance company:

  • Allstate: $1999
  • Central Insurance: $2007
  • Country Financial: $1129
  • Encompass: $2380
  • GEICO: $1787
  • MetLife: $1862
  • Nationwide: $1718
  • Progressive: $1598
  • Mercury: $1955
  • Victoria: $2912

    Country Financial offers the most affordable rates for most Atlanta drivers. You can save about 42 percent over the average Georgia premium by choosing this company. The second most affordable company, Progressive, charges about 29 percent more on average than Country Financial. ValuePenguin also notes that the company has a low rate of complaints by consumers, according to the National Association of Insurance Commissioners.

    Progressive is a good choice for customers who want a modern tech experience from their auto insurance provider. The company has an app you can use to pay claims, update your coverage needs, get a quote, and perform other actions.

    The Zebra recommends checking with Georgia Farm Bureau for affordable auto insurance rates. The website notes that while USAA offers outstanding premium prices, you can only qualify for coverage if you are current or former military or family of a military member.

    Insurify notes that you’ll find the best customer service experience from American Family or Safeco.

    Average Atlanta Auto Insurance by Zip Code

    Atlanta drivers who live in costly zip codes can pay up to $400 more for auto insurance than people who live in less expensive insurance zip codes. You will have higher premiums if you live in a neighborhood with high rates of uninsured motorists, auto accidents, theft, and vandalism. These are the average annual premiums for minimum liability coverage in various Atlanta zip codes, according to finance website MoneyGeek:

    • 30349: $1803
    • 30331: $1698
    • 30318: $1613
    • 30319: $1437

      ValuePenguin reported these annual average car insurance rates by Atlanta neighborhood:

      • Bankhead: $2072
      • Ben Hill: $2056
      • Brookhaven: $1894
      • Buckhead: $1805
      • Cascade Heights: $2165
      • City Center: $2105
      • Gresham Park: $2083
      • College Park: $2028
      • Dunwoody: $1724
      • Riversong: $1729
      • Sandy Springs: $1010
      • Vinings: $1808

        QuoteWizard assessed how the average monthly auto insurance quotes in Atlanta compare to those in other Georgia cities. Drivers in Atlanta pay about $253 per month, compared to:

        • $185 in Augusta
        • $176 in Columbus
        • $204 in Roswell
        • $207 in Savannah

          Georgia drivers overall pay $205 a month on average for coverage.

          Average Atlanta Auto Insurance by Credit Tier

          Atlanta drivers who have exceptional credit pay as much as 52 percent less for auto insurance than their counterparts with very poor credit, according to data from The Zebra. If you’re in the latter category, you can save more than $1200 per year on car coverage by increasing your score from the poor to fair tier. These are the average annual rates by credit score for drivers in Atlanta:

          • Exceptional: $1645
          • Very Good: $1810
          • Good: $1922
          • Fair: $2191
          • Very Poor: $3427

            Average Atlanta Auto Insurance after a Ticket or an Accident

            Insurify reports these average rates for Atlanta drivers after common violations and incidents:

            • $2454 after a speeding ticket for traveling 16 to 20 miles per hour over the limit
            • $2737 to $3069 after an at-fault accident, depending on the extent of damages
            • $2986 after a reckless driving ticket
            • $3476 after an arrest for DUI

              Minimum Auto Insurance Requirements in Georgia

              Atlanta residents must purchase minimum liability insurance to drive legally in Georgia. The state requires at least a 25/50/25 policy, which covers $25,000 per person and $50,000 for bodily injury and $25,000 for property damage if you cause a crash. Insurify recommends protecting your personal assets by opting for 100/300/100 liability coverage, since an injured person can sue you for costs that exceed your insurance.

              Saving Money on Atlanta Georgia Auto Insurance

              Quote Wizard recommends these strategies to save money on auto insurance if you live in Atlanta:

              • Get a discount of up to 15 percent by bundling your home and auto insurance or insuring more than one driver or vehicle under your policy.
              • Ask about a student discount if you attend one of the nearly two dozen colleges and universities in the Atlanta metro area.
              • Inquire about a low mileage discount if you work from home or share rides to the office with a colleague.
              • Install anti-theft devices in your vehicle to counteract the high rate of auto theft in Atlanta (fourth highest in the United States).
              • Find an insurer that offers a safe driving discount if you have a history free of auto accidents and claims.
              • Reduce the amount of coverage you purchase to the minimum amount of liability in Georgia. You might need to keep comprehensive and collision coverage if you lease or finance your car, but you can save by removing optional policies such as roadside assistance and uninsured and underinsured motorist coverage.
              • Increase your deductible amount to save money each month. You will need to pay the deductible out of pocket, however, if you have an accident.

                Check this out if you need additional information, resources, or guidance on car insurance.

                Sources:

                Who Has The Best Car Insurance Rates in Atlanta? | valuepenguin.com

                Cheap Auto Insurance Quotes in Atlanta, GA (2021) | insurify.com

                Atlanta, GA Car Insurance | thezebra.com

                Compare the Cheapest Car Insurance Quotes in Atlanta, GA | moneygeek.com

                Best Auto Insurance Rates in Atlanta, Georgia | quotewizard.com

                Car Insurance | caranddriver.com

                Good Student Discount: Everything You Need to Know | caranddriver.com

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