The Cheapest Car Insurance Quotes In Atlanta, GA For 2024

Auto-Owners stands out as the cheapest option in Atlanta, with an average rate of $37 a month.

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Bob Phillips
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When scouring for the most affordable car insurance in Atlanta, GA, the options can vary greatly, but one company stands out for its competitive rates: Auto-Owners. On average, residents can secure car insurance for about $37 per month, which is considerably lower than the state’s average of $148.

For those seeking the cheapest liability-only coverage, Auto-Owners emerges as a clear winner. Meanwhile, drivers looking for more comprehensive protection find that Auto-Owners offers the best rates for full coverage policies, at $103 a month. While Allstate offers the cheapest rates for young drivers, at $90 per month.

Cheapest Car Insurance Companies In Atlanta, GA

Cheapest Car Insurance, Atlanta, GA

Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Atlanta, GA. This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed insurance agent, countless interactions with representatives from various companies, and insights gleaned from firsthand experience

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Atlanta, GA?

Auto-Owners offers the cheapest car insurance in Atlanta, GA. You can find car insurance coverage for $195 a month.

As the table below shows, its rates are considerably lower than the average rate in both the State of Georgia and the United States as a whole:

Area Average Monthly Rate
National $152
Georgia $148
Atlanta, GA $195

Bear in mind that the average national cost includes both high-cost states (such as New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates will vary by location according to many factors, including vehicle type, amount of coverage, zip code, driving record, etc.

Cheapest Car Insurance Rates In Atlanta For Full Coverage

Auto-Owners has the cheapest car insurance rates for full coverage. Their quotes average $103 a month in Atlanta.

Provider Average Monthly Cost Average Annual Cost
Progressive $192 $2,302
GEICO $190 $2,278
Auto-Owners $103 $1,238
Allstate $153 $1,834
State Farm $157 $1,882

Full coverage car insurance provides an all-encompassing protective umbrella that goes beyond the basic coverage mandated by law. This insurance typically merges comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents, including theft, vandalism, or natural events, while collision coverage ensures financial protection for vehicle damages due to accidents, without regard to the responsible party.

Cheapest Car Insurance Rates In Atlanta For Teenagers

Teenage drivers in Atlanta can find the cheapest quotes from Farm Bureau, with average monthly premiums of $313.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau $313 $3,741
GEICO $319 $3,832
Auto-Owners $327 $3,921
State Farm $354 $4,112
Allstate $380 $4,591

Teenage drivers often face the most expensive car insurance premiums, and this is predominantly due to their inexperience behind the wheel. Insurance providers consider these young motorists to be a high-risk category because they are statistically more prone to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Atlanta For Minimum Coverage

Auto-Owners is the cheapest car insurance company for minimum coverage in Atlanta, with an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $37 $439
Progressive $63 $756
Farm Bureau $42 $504
State Farm $64 $768
Allstate $57 $684

The minimum car insurance policy should have at least the following:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $100,000 for property damage per accident

Having minimum car insurance provides you with some protection while on the road, but it does not include collision or comprehensive insurance, which means damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters won’t be covered.

Driving without insurance is also illegal in Georgia. Your inability to show proof of insurance during a traffic stop may result in various penalties. These may range from being fined to having your license suspended or worse.

Cheapest Car Insurance Rates In Atlanta For Seniors

Clearcover quotes average $87 a month, the cheapest car insurance rates for seniors in Atlanta

Provider Average Monthly Cost Average Annual Cost
Clearcover $87 $1,040
Auto-Owners $92 $1,095
USAA $93 $1,107
Farm Bureau $101 $1,213
Kemper $104 $1,249

In Georgia, many seniors may find advantageous car insurance rates, influenced by a range of beneficial factors. Although age is typically a factor in insurance rate determinations, with older age sometimes associated with decreased driving ability, this stereotype does not hold true for all.

Cheapest Car Insurance Rates In Atlanta For Young Adults

Allstate offers the cheapest quotes for young adults in Atlanta. Rates are around $90 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $147 $1,764
GEICO $173 $2,076
Mercury $163 $1,956
Allstate $90 $1,080
Progressive $178 $2,136

In Georgia, young adult drivers typically benefit from lower car insurance rates compared to their teenage counterparts. This discrepancy in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, a factor that reflects a reduction in accident involvement. Consequently, insurers adjust premiums downward, recognizing the improved safety records and decreased likelihood of claims from these more experienced drivers

Cheapest Car Insurance Rates In Atlanta For Good Drivers

Good drivers in Atlanta can find the cheapest car insurance quotes from Auto-Owners, at around $37 a month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $37 $439
Progressive $63 $756
Farm Bureau $42 $504
State Farm $64 $768
Allstate $57 $684

Drivers with clean driving records in Atlanta typically receive lower car insurance rates because they’re perceived as lower risk. Insurance companies use driving records as a way to gauge how safely a person drives. Fewer incidents, like accidents or traffic violations, suggest that the driver is cautious and less likely to file a claim.

Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can lead to significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and, consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Atlanta For Drivers With Prior Incidents

In Atlanta, drivers with records of traffic violations, including accidents, speeding, or DUIs, often face difficulties obtaining affordable car insurance. Such driving infractions lead insurance companies to label them as high-risk, a designation that comes with the expectation of a greater chance of filing future insurance claims.

Consequently, insurance providers adjust their rates upward for these individuals to mitigate the risk of incurring higher claim payouts.

Cheapest Car Insurance Rates In Atlanta For Drivers With A Speeding Ticket

State Farm is very cheap compared to other companies. The company offers average rates of $95 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $95 $1,140
Travelers $168 $2,016
Geico $167 $2,004
Allstate $113 $1,356
Progressive $157 $1,884

Cheapest Car Insurance Rates In Atlanta For Drivers With An At-Fault Accident

State Farm offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $107 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $107 $1,284
Travelers $167 $2,004
Geico $177 $2,124
Progressive $168 $2,016
Allstate $119 $1,428

Cheapest Car Insurance Rates In Atlanta For Drivers After A DUI

State Farm is the company with the cheapest rates for drivers after a DUI. They offer Atlanta drivers average monthly premiums of $127.

Provider Average Monthly Cost Average Annual Cost
State Farm $127 $1,524
Travelers $207 $2,484
Progressive $184 $2,208
Geico $212 $2,544
Allstate $143 $1,716

Best Car Insurance Companies In Atlanta

For drivers in Atlanta, choosing the right car insurance company is as much about finding affordable rates as it is about securing reliable protection on the road. Shown below are the top 10 car insurance companies in Atlanta, GA, ranked by the average monthly rate they offer.

Company Monthly Premium
USAA $100
State Farm $130
Nationwide $172
Mercury $127
Clearcover $105
Mercury $130
Country $148
Farm Bureau $100
Auto Owners $115
ACCC $150

Average Car Insurance Rates By Age In Atlanta

Age Average Yearly Rate
Teenagers $5,480
20s $3,096
30s $2,232
40s $1,956
50s $1,776
60s $1,680
70s $1,860

Age is a significant factor in determining car insurance rates. Generally, younger drivers, particularly teens and young adults, face higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates typically start to decrease, assuming a clean driving record.

The most favorable insurance rates are often found for drivers in their 50s and early 60s. Insurance companies use age as a metric to gauge driving experience and risk potential, influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Atlanta

Vehicle Average Monthly Rate
Ford Crown Victoria $543
Audi A3 $128
Chevrolet Malibu $466
Chevrolet Equinox $70
Kia Soul $98

The type of vehicle you drive significantly influences your car insurance costs. Factors such as the make, model, year, and body type of the car are all taken into account by insurance companies. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Georgia?

City Average Monthly Rate
Norcross $170
Macon $147
Albany $127
Augusta $138
Columbus $138
Athens $127
Atlanta $180
Savannah $158
Valdosta $110
Warner Robins $128

The city where you reside has a significant impact on your car insurance rates. Insurance companies assess various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This increased risk often leads to higher premiums.

FAQs

Who has the lowest car insurance rates in Atlanta?

The lowest car insurance rates in Atlanta are offered by Auto-Owners for the minimum coverage required by the State of Georgia and Auto-Owners for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Atlanta?

The average cost of car insurance in Atlanta is about $195 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.

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