Cheapest car insurance companies in Alpharetta 

According to a study by Insurance.com, the cheapest car insurance companies in Alpharetta for 2023 are Auto-Owners and Country Financial

In Alpharetta, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $1,499 annually

In Alpharetta, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
Auto-Owners$1,499
USAA$1,619
Country Financial$1,803
Central Insurance$1,808
Progressive$1,861
Geico$1,999
Allstate$2,142
Mercury Insurance$2,271
State Farm$2,451
Safeway Insurance$2,850
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Alpharetta by Age Group 

The cheapest auto insurance company in Alpharetta for teen drivers is Central Insurance. For full coverage, its average annual rate for Alpharetta drivers is $4,177. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Alpharetta at about $2,557 per year

Drivers in Alpharetta stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Auto-Owners has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,556 a year

Alpharetta senior drivers seeking affordable car insurance should look no further than Country Financial. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,683. It makes Country Financial a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
Central Insurance$4,177$2,882$1,896$2,232
Auto-Owners$4,204$2,657$1,556$1,745
Country Financial$4,382$2,804$1,827$1,683
USAA$4,908$2,557$1,626$1,821
Geico$7,400$3,528$2,000$1,969
State Farm$7,539$4,242$2,473$2,434
Allstate$8,033$3,223$2,129$2,247
Progressive$9,617$3,111$1,829$1,999
Safeway Insurance$10,032$5,438$3,046$2,932
Mercury Insurance$11,394$4,839$2,326$2,458
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Alpharetta by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Alpharetta. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

When it comes to finding the cheapest car insurance rates in Alpharetta, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

In Alpharetta, these insurance companies offer cheap car insurance rates based on your driver profile.

Drivers in Alpharetta with poor credit can get the cheapest car insurance from Geico at an average cost of $1,675 a year, according to a data study by Insurance.com.

Drivers with poor or bad credit scores in Alpharetta can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Geico$1,675
Nationwide$1,825
USAA$2,193
Progressive$2,614
Allstate$3,028
State Farm$3,335
Data refreshed as of May 2024
Read our full methodology

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Alpharetta. It provides full coverage car insurance for drivers aged 30 at about $1,468 per year

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
USAA$1,468
State Farm$1,851
Nationwide$1,960
Geico$2,180
Allstate$2,329
Progressive$2,377
Data refreshed as of May 2024
Read our full methodology

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Alpharetta with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $2,010 annually.

CompanyAverage annual rates
State Farm$2,010
USAA$2,059
Geico$2,321
Nationwide$2,446
Allstate$3,374
Progressive$3,524
Data refreshed as of May 2024
Read our full methodology

State Farm is the carrier that offers cheap auto insurance rates in Alpharetta for drivers after a DUI. Its average annual rate for full coverage is $1,851

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$1,851
USAA$2,638
Nationwide$3,310
Allstate$3,351
Progressive$3,683
Geico$6,356
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Alpharetta 

The average car insurance rate in Alpharetta for full coverage is $2,030 per year or $169 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Alpharetta is $720 per year. 

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$2,030$720
Data refreshed as of May 2024
Read our full methodology

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

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

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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