Average car insurance cost in Atlanta, GA

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The average car insurance cost in Atlanta, Georgia is $2,470 per year, according to Insure.com data. This is $500 more than the average auto insurance cost in Georgia and $575 more than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Atlanta, the average car insurance rates by age, gender and how much is car insurance in Atlanta based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Atlanta. Read on to learn more.

Cheap car insurance companies in Atlanta

At an average of $1,830 per year with full coverage limits of 100/300/100, Auto-Owners provides the most affordable car insurance in Atlanta.

Ranked as the second most affordable company in Atlanta, Central Insurance provides car insurance at $2,070 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Atlanta that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Atlanta, Georgia:

Read about the best car insurance companies.

Average car insurance cost in Atlanta by coverage limits

In Atlanta, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $802 per year (limits are 25/50/25)
• Liability only coverage: $1,115 per year (limits are 50/100/50)
• Full coverage: $2,470 per year (limits are 100/300/100)
• Non-owners coverage: $436 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Atlanta

The average car insurance per year for female drivers in Atlanta, Georgia, is $2,486.

Whereas the yearly average car insurance rate for male drivers is $2,454, which is $32 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Atlanta

In Atlanta, car insurance rates are highest for teens, averaging $7,455 per year or $621 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,997 annually for their car insurance, which is $3,458 less than what teens pay for their coverage.

In Atlanta, adult drivers pay an average of $2,489 per year for car insurance, while senior drivers pay $2,567 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Atlanta

Examining the trends in car insurance rates in Atlanta, Georgia, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 23% or $455.

The table below illustrates the trend over the three years:

Conclusion

Car insurance rates in Atlanta are higher than the average rates in Georgia. Drivers in Atlanta can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

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

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.