Car insurance in Atlanta: Cheapest insurance and average rates

Car insurance in Atlanta costs $2,470 per year for full coverage – $206 monthly. Auto-Owners offers the cheapest car insurance policy at $153 per month.

Atlanta’s metro area is home to more than 5 million people. If you are moving to Atlanta — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Atlanta that will provide the coverage you need. 

Learn more about what a typical policy costs in Atlanta and what you need to know if you are new to the city. 

How to find the best car insurance in Atlanta 

With the right tools and a little work, you can find the best car insurance policy in Atlanta that marries the coverage you need with a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Make sure you get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in Atlanta 

Auto-Owners provides the cheapest car insurance in Atlanta, according to recent data. It costs an average of $1,830 annually to purchase a full-coverage policy from the insurer. The next cheapest car insurance companies are USAA and Central Insurance.

See other cheap car insurance rates in Atlanta in the table below.

Average annual rates from insurers in Atlanta 

How much is car insurance in Atlanta per month?

Atlanta residents can expect to pay an average of $206 per month in full coverage car insurance costs, or $67 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors that determine how much you pay for car insurance include the insurance company you choose and the amount of coverage you need. 

Other factors — including your age and gender, the type of car you drive, and your history of accidents and violations — also influence car insurance costs.  

Monthly rates for car insurance in Atlanta, Georgia

How do rates in Atlanta compare to other large cities in the U.S.?

The cost of coverage in Atlanta is higher than in other major cities. Atlanta drivers pay more than other Georgia drivers – the statewide rate is $1,970 annually, compared with Atlanta’s $2,470.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Monthly full-coverage car insurance costs in major U.S. metropolitan areas

Here’s what you need to know when driving in Atlanta 

Atlanta residents face some of the most congested roads in the U.S. 

In 2022, drivers in Atlanta lost an average of 74 hours in traffic, according to INRIX, which looks at traffic patterns. That makes Atlanta the 10th most-congested city in the country. 

If you are driving in the Atlanta area during rush hour, you can expect to spend an extra 20.5 minutes in traffic, according to the website CoPilot. That places Atlanta at No. 12 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around Atlanta:

• Speed limits in Atlanta are typically 25 mph on residential roads, and 65 on urban freeways. Signs should mark when speed limits vary from these standards. 
• There are no toll roads in Atlanta or the rest of Georgia. There are some roads where you can pay extra to drive in an express lane.
• Atlanta has almost 2,000 electric charging stations. That makes the city very friendly to those who drive electric cars. 

How much car insurance do I need in Atlanta?

Georgia law requires you to purchase a minimum amount of liability car insurance coverage. These amounts are the same in both states: 

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

This is often referred to as “25/50/25 coverage.”

Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. 

That means drivers might also be interested in purchasing insurance beyond the minimums to protect their own vehicles, such as comprehensive and collision coverage. 

If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in Atlanta 

The average cost of full-coverage car insurance in Atlanta is $2,470 annually. That compares to a statewide average of $1,970 and a nationwide average of $1,895. 

Annual average rates in Atlanta for state minimum coverage and full coverage

How much does car insurance in Atlanta cost with violations?

Violations like speeding tickets often cause a significant but manageable rise in rates. Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. 

“Tickets, accidents and claims are all contributing factors to auto insurance rates,” says Alaina Hixson, a Nashville-based director of sales and operations at The Churchill Agency. “However, not all are created equally.” 

See rate increases in Atlanta in the table below by violation.

Cheapest car insurance in Atlanta by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more. See how much you can expect to pay by age in the table below.

Annual rates for state minimum and full coverage car insurance in Atlanta, by age

Compare auto insurance rates in Atlanta by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the Atlanta area ZIP codes with the cheapest and most expensive car insurance rates. 

See the tables below for the cheapest and most expensive ZIP codes for car insurance in Atlanta. 

Cheapest annual car insurance rates in Atlanta, by ZIP code 

Most expensive annual car insurance rates in Atlanta, by ZIP code 

Our recommendations: Car insurance for drivers in Atlanta 

If low prices are your top focus when shopping for car insurance, Auto-Owners might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Atlanta.

Resources & Methodology

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.