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Atlanta Car Insurance

How much does car insurance cost in Atlanta, GA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Atlanta?

Atlanta is a commercial hub known for its entertainment venues, excellent shops and fantastic attractions. The city is also the cradle of the Civil Rights movement and Martin Luther King Jr.'s birthplace.

Although you can use the Metropolitan Atlanta Rapid Transit Authority (MARTA) system to ride through the town, it's always nice to have a car to travel through the city's suburbs.

Are you an Atlanta resident that needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers that fit your needs and budget, all without charging a broker's fee.

In this article, you'll learn about the auto insurance requirements for Atlanta.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Georgia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Atlanta typically pay around $220.36 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
Georgia $173.31
Atlanta, Georgia $220.36

Atlanta, GA Best Car Insurance Companies

car insurance in Atlanta

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Jupiter Auto Insurance generally has the most affordable car insurance in Atlanta coming in around $0.00 per month. Other companies to consider if you live in Atlanta is Direct Auto with an average cost of $114.97 per month and Safe Auto which typically runs around $119.00 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Atlanta.

RankCompanyAverage Monthly RateComparison State Average
1 Jupiter Auto Insurance $0.00-100.00%
2 Direct Auto $114.97-33.66%
3 Safe Auto $119.00-31.34%
4 USAA $132.57-23.51%
5 Auto-Owners Insurance Co $159.70-7.86%
6 Georgia Farm Bureau $160.05-7.65%
7 State Farm $163.30-5.77%
8 Country $176.741.98%
9 ACCC Insurance Company $203.6317.49%
10 Nationwide $204.2817.87%

How Much is Car Insurance in Atlanta, GA?

how much is auto insurance in Atlanta

Rates can vary from city to city. The residents of Atlanta typically pay $220.32 per month while people who live in Augusta will pay $163.45 per month on average. See what people pay for car insurance in other cities in Georgia.

Georgia CitiesMonthly Average Rate
Atlanta $220.32
Augusta $163.45
Columbus $172.27
Macon $169.23
Savannah $201.19

Cheap Car Insurance in Atlanta by Zip Codes

find cheap auto insurance in Atlanta

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Georgia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Atlanta, GA ZIP CodeAverage Monthly Rate
30301$355.67
30302$199.17
30303$233.39
30305$182.15
30306$183.29
30307$177.94
30308$186.65
30309$193.91
30310$241.83
30311$229.86
30312$212.31
30313$283.23
30314$264.06
30315$262.90
30316$190.69
30317$216.16
30318$224.75
30319$178.91
30321$170.05
30322$120.25
30324$197.90
30326$186.23
30327$156.27
30328$181.99
30329$200.82
30331$241.85
30332$248.92
30334$163.97
30336$190.89
30337$219.88
30338$161.10
30339$193.27
30340$201.07
30341$175.22
30342$191.93
30344$214.14
30345$183.78
30346$167.45
30349$239.26
30350$209.68
30354$205.54
30360$175.55
30361$383.05
30363$219.38
30369$325.17
30378$246.10
31107$55.67
31139$307.84

Car Insurance Rates by Driver's Age Group in Atlanta

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $414.22 per month in Atlanta. Compare that to drivers in their 30’s who typically pay around $210.39 per month drivers in their 40s at $179.70 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$414.22
20s$277.85
30s$210.39
40s$179.70
50s$154.39
60s$138.10
70+$178.08

Cheapest Insurance for Teenage Drivers in Atlanta

If you are teen in Atlanta you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Auto-Owners Insurance Co typically charges around $314.50 per month. This is likely the most affordable option in Atlanta. You might also want to consider Georgia Farm Bureau and Country who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$314.50
Georgia Farm Bureau$329.60
Country$332.46
USAA$335.56
State Farm$351.26

Cheapest Insurance for 20 Year-olds in Atlanta

20 year-olds in Atlanta might want to consider Liberty Mutual who, on average, offers car insurance rates around $127.00 per month. Direct Auto, USAA , Auto-Owners Insurance Co and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Liberty Mutual$127.00
Direct Auto$128.82
USAA$159.79
Auto-Owners Insurance Co$187.84
State Farm$196.36

Cheapest Insurance for 30 Year-olds in Atlanta

If you are in your 30s in Atlanta our research has found that Direct Auto typically has the most affordable coverage coming in around $101.13 per month, followed by USAA at $116.65 and Georgia Farm Bureau at $134.07.

CompanyAverage Monthly Rate
Direct Auto$101.13
USAA$116.65
Georgia Farm Bureau$134.07
Auto-Owners Insurance Co$139.28
State Farm$143.84

Cheapest Insurance for 40 Year-olds in Atlanta

On average, Jupiter Auto Insurance offers car insurance for 40 year-olds in Atlanta for around $0.00 per month. If you are looking for affordable coverage, you may also want to consider USAA or Georgia Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
Jupiter Auto Insurance$0.00
USAA$109.51
Georgia Farm Bureau$129.76
Auto-Owners Insurance Co$135.27
State Farm$142.31

Cheapest Insurance for 50 Year-olds in Atlanta

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Atlanta we found that Jupiter Auto Insurance generally offers the most affordable coverage at $0.00 per month.

CompanyAverage Monthly Rate
Jupiter Auto Insurance$0.00
USAA$100.87
Georgia Farm Bureau$124.40
Country$130.63
State Farm$133.08

Cheapest Insurance for 60 Year-olds in Atlanta

If you live in Atlanta and you’re in your 60s, our data indicates that USAA usually has the best rates at $102.91 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$102.91
Safe Auto$119.00
Georgia Farm Bureau$121.21
State Farm$128.07
Country$129.21

Driver's Coverage Auto Insurance Rates in Atlanta, GA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Atlanta, the average monthly rate for a driver who is currently insured is $177.54 while drivers who are not currently covered will pay around $262.56.

CoverageAverage Monthly Rate
Not Currently Insured $262.56
Currently Insured $177.54

Compare Recent Car Insurance Quotes in Atlanta

auto insurance quotes in Atlanta city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Atlanta a driver of a 2020 Jeep Cherokee can expect to pay around $123.73 per month while someone that owns a 2017 Dodge Charger may pay around $197.15 per month. Check out the list of recent quotes in Atlanta below.

VehicleAverage Monthly Rate
2020 Jeep Cherokee$123.73
2017 Dodge Charger$197.15
2011 Mercedes-Benz Gl$326.60
2004 Dodge Neon$121.40
2010 Mazda 3$218.47
2016 Toyota Rav4 Hv$134.55
2001 Chevrolet Monte Carlo$103.65
2016 Hyundai Sonata$167.87
2007 Honda Accord$156.76
2010 Dodge Charger$222.03

FAQ's for Drivers in Atlanta, GA

driver’s frequently asked question in Atlanta

Atlanta Auto Insurance Requirements

What Is the Minimum Amount of Liability Coverage Requirement in Atlanta?

According to Georgia's Office of Commissioner of Insurance and Safety Fire, all drivers must carry liability policies that have, at least, the minimum amount of coverage. The limits are:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 Per Accident
  • Uninsured Motorist Property Damage: $25,000 with a $250, $500, or $1000 deductible

Georgia's minimum requirement for auto insurance may not provide enough coverage if you cause an accident. You may need additional insurance, especially if you have expensive assets to protect. SmartFinancial can help you find affordable car insurance to protect you in case the worst happens. Just enter your zip code and fill out a brief form to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Atlanta?

Georgia is an Implied Consent state. People who receive licenses within the state agree to undergo intoxicant testing if a law enforcement officer asks them.

According to the Georgia Department of Driving Services, Driving Under the Influence means you had alcohol or other substances in your system while using a vehicle. In Georgia, drivers can receive an Operating While Intoxicated conviction if they have the following blood alcohol concentration (BAC):

  • .08 BAC or higher (Drivers 21 years old in non-commercial vehicles)
  • .02 BAC or higher (Drivers younger than 21 years old)
  • .04 BAC or higher (Drivers in commercial vehicles)

Illegal BACs or refusal to take a field sobriety test can result in an Administrative License Suspension (ALS).

Unfortunately, no one is perfect. If you get a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. You fill out one form to compare over 200 insurers to find a policy that fits your budget.

Can I Register My Car Without Insurance in Atlanta?

No, you can't register your car without insurance. Georgia drivers must have liability insurance that meets the minimum coverage limits to drive on state highways. The state requires proof of insurance at the time of registration. Georgia verifies coverage using DRIVES e-Services Registration and Insurance Status.

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Commute Time in Atlanta, GA

26.3 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Atlanta, GA

236

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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