Average car insurance cost in Atlanta, Georgia

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At $2,908 per year, Atlanta drivers pay $405 more than the state average and $330 more than the national average for full coverage car insurance.

Progressive holds the lowest average rate at $2,430, while your own premium comes down to your age, driving record, and coverage level.

Here’s how Atlanta’s average rate compares to state and national averages:

How much car insurance do you need in Atlanta?

Most drivers in Atlanta need at least liability coverage, but full coverage offers stronger financial protection because it pays for your own car, not just the other driver’s.

Liability only covers damage you cause to others, if your car gets damaged in an accident, stolen, or hit by a falling tree, you’re paying out of pocket without full coverage. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $1,039 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $1,126 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for others’ injuries and property damage when you’re at fault but doesn’t cover your own vehicle.
• Full coverage: $2,908 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in Atlanta?

Progressive offers the cheapest full coverage car insurance in Atlanta, averaging $2,430 per year, while GEICO has the second-cheapest premium, averaging $2,672 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company because each insurer calculates risk differently. Comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Atlanta.

Do men or women pay more for car insurance in Atlanta?

Male drivers in Atlanta average $2,887 per year for full coverage car insurance,which is $41 less than female drivers at $2,928 per year.

Insurers in most states use gender as a rating factor. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania block this practice.

The Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, reports that women are involved in fewer serious accidents than men. Insurers price that risk difference into premiums, which is why men pay more for car insurance.

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How does age affect car insurance rates in Atlanta?

Teen drivers pay the most for car insurance in Atlanta, with an annual rate of $13,025 per year, or $1,085 per month. Rates fall as drivers gain experience – young adults ages 20 to 24 pay $5,168 per year, adults 25 to 55 pay $2,981 per year, and seniors 60 to 75 pay $3,226 per year.

Teens ages 16 to 19 crash more often due to inexperience, which drives up their rates. The Insurance Information Institute reports teen drivers pay $7,857 more annually than young adult drivers.

Premiums drop as drivers gain experience, however. Young adults ages 20 to 24 pay $5,168 per year – 60% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Atlanta?

Since 2023 to 2025, Atlanta premiums have gone upward, moving by 34%, or $732.

A rising premium is worth a second look. When renewal season comes around, shop around to find a rate that fits your budget.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.