To find the best car insurance rates in each city, you need to compare. In this article, our Home Media Review team will break down the average auto insurance rates in Atlanta, Georgia and the top insurance providers in the area. Once you are ready to buy a policy, we recommend comparing offers from several best car insurance companies to secure the cheapest rates.
Cheapest car insurance Atlanta
Auto-Owners Insurance, Georgia Farm Bureau Insurance, and USAA all offer low auto insurance rates for Atlanta drivers. Because we’re sharing auto insurance coverage estimates in this article, we’ll also discuss how demographics and driving behavior affect insurance premiums.
Cheapest auto liability insurance in Atlanta
According to our cost estimates, Auto-Owners Insurance offers the cheapest minimum liability car insurance in Atlanta for just over $39 per month or $468 per year. Georgia Farm Bureau Insurance and USAA are also among the cheapest auto insurance companies for minimum coverage, with average rates of around $100 $50 per month. However, note that USAA is only available to military personnel, veterans, and their eligible family members.
Georgia state minimum auto insurance requirements are $25,000 personal injury liability per person and $50,000 per incident. Georgia drivers are also required to have $25,000 per incident in property damage liability insurance.
Cheapest comprehensive car insurance in Atlanta
Georgia Farm Bureau Insurance offers the cheapest comprehensive insurance in Atlanta $118 per month or $1,417 per year. USAA is close behind at $119 per month or $1,433 per year.
Fully comprehensive motor vehicle insurance includes both comprehensive and fully comprehensive cover. Accident insurance helps with damage to your car caused by accidents you cause. The comprehensive coverage protects your vehicle against damage caused by theft, vandalism and environmental influences.
Car Insurance Deals in Atlanta
Atlanta car insurance quotes depend on many factors. Your age group, marital status, and driving habits all play an important role in your car insurance premiums.
Cheapest Car Insurance Atlanta: Age and Marital Status
Older drivers and married drivers pay lower car insurance premiums than younger and single drivers. Coverage rates for young drivers and teenage drivers are particularly high as they are more likely to be involved in accidents.
According to our cost data, USAA offers the lowest auto insurance rates for single 24-year-olds in Atlanta, while Georgia Farm Bureau Insurance offers the cheapest coverage for married 35-year-olds.
Cheapest car insurance Atlanta: Gender
USAA offers the cheapest comprehensive car insurance for male and female drivers in Atlanta. Auto-Owners Insurance and Georgia Farm Bureau Insurance also offer low rates for both male and female drivers in the city.
Cheapest Car Insurance Atlanta: High Risk Drivers
Speeding tickets, at-fault accidents, and drunk driving (DUI) violations have a significant impact on auto insurance rates. While good drivers with clean driving records pay the lowest rates, repeated driving record violations are particularly damaging because auto insurance companies view these drivers as major risks.
Atlanta auto insurance prices: Speeding tickets
Atlanta drivers with a 16-20 mph speeding ticket can find affordable auto insurance policies with Georgia Farm Bureau Insurance. The company offers full coverage for $118 per month or $1,418 per year to Atlanta speeding drivers.
Atlanta car insurance prices: fault-related accident
Georgia Farm Bureau Insurance offers the cheapest auto insurance for drivers in a self-inflicted car accident with an average cost of $149 per month or $1,788 per year.
Auto Insurance Prices in Atlanta: DUI
Cheap auto insurance rates are much harder to come by for Atlanta drivers with a DUI injury. State Farm offers the most affordable coverage for these drivers $206 per month or $2,472 per year. Country Financial is close behind $216 per month or $2,590 per year.
Average cost of car insurance in Atlanta
Atlanta drivers pay more than the national average for Collision Damage Waiver and Minimum Liability auto insurance policies. The average price for full coverage in Atlanta is $163 per month or $1,951 per yearwhich is above the national average $144 per month or $1,730 per year.
When it comes to minimum liability coverage, Atlanta drivers pay average $68 per month or $815 per year. The national average for minimum coverage is $53 per month or $635 per year.
Auto Insurance Prices in Atlanta: What Affects Them?
There are a few key factors that determine auto insurance rates, including:
- Marital status
- vehicle type
- driving history
Cheap car insurance in Atlanta: conclusion
Atlanta drivers pay more for auto insurance than the national average. To find the best prices, you need to shop around and Compare car insurance rates from a range of providers. You can also get lower premiums by choosing a plan with lower coverage limits, a higher deductible, and taking advantage of any auto insurance discounts available.
Cheapest Car Insurance in Atlanta: FAQ
Below are frequently asked questions about car insurance in Atlanta: