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If you're looking for the best and cheapest car insurance in Alpharetta, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Alpharetta and prepared this guide for you.

The average cost of auto insurance in Alpharetta for full coverage is $1,567 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Alpharetta. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Alpharetta

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

USAA is the cheapest option for most Alpharetta drivers, with an average annual rate of $1,139.

Car insurance cost may vary in Alpharetta based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Alpharetta

CompaniesAverage Annual Rates
USAA$1,139
Auto-Owners$1,283
Nationwide$1,371
Geico$1,393
Progressive$1,557
Country Financial$1,716
State Farm$1,736
Allstate$1,951
Mercury Insurance$1,961

Cheapest car insurance cost in Alpharetta by Age Group

The cheapest auto insurance company in Alpharetta for teen drivers is USAA. For full coverage, its average annual rate for Alpharetta drivers is $3,580. 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 your parents' 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 $1,881 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Alpharetta is the USAA. Its average rate for a full coverage car insurance policy is $1,166 per year.

If you are a senior driver in Alpharetta and looking for a cheap car insurance company, then consider buying insurance from the USAA. It is the cheapest auto insurance company for senior drivers with an average premium of $1,228 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,982$2,091$7,281$2,974
Auto-Owners$1,336$1,436$4,239$2,654
Country Financial$1,808$1,571$4,202$2,711
Geico$1,421$1,291$5,337$2,524
Mercury Insurance$2,139$2,347$12,649$4,959
Nationwide$1,423$1,382$5,923$2,608
Progressive$1,565$1,646$8,892$2,897
State Farm$1,793$1,700$6,051$3,309
USAA$1,166$1,228$3,580$1,881

Cheapest car insurance companies in Alpharetta by driver profile

Car insurance rates in Alpharetta vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Alpharetta, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Alpharetta based on driver profile.

Cheapest for a driver with poor credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Alpharetta drivers at about $1,724 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Geico$1,724
Nationwide$1,810
USAA$2,198
Progressive$2,530
Mercury$2,725
Allstate$2,893
Auto-Owners$3,261
State Farm$3,335

Cheapest for drivers with a speeding ticket: USAA

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Alpharetta. It offers full coverage car insurance for drivers age 30 at about $1,411 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
USAA$1,411
Auto-Owners$1,446
Nationwide$1,587
State Farm$1,851
Geico$2,063
Allstate$2,195
Progressive$2,245
Mercury$2,828

Cheapest auto insurance after an at-fault accident: Auto-Owners

Auto-Owners is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Alpharetta is $1,721. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
Auto-Owners$1,721
USAA$1,724
State Farm$2,010
Geico$2,203
Nationwide$2,231
Allstate$2,944
Progressive$3,106
Mercury$3,808

Cheapest auto insurance after a DUI: State Farm

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.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
State Farm$1,851
USAA$2,293
Auto-Owners$2,479
Progressive$2,588
Allstate$2,638
Mercury$2,727
Nationwide$2,771
Geico$4,326

Average car insurance cost in Alpharetta

The average car insurance rate in Alpharetta for full coverage is $1,567 per year or $131 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Alpharetta is $590 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,567$590

Methodology

Insurance.com commissioned 2022 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 2022.

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. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Georgia

Augusta
$1,471/year
Austell
$1,811/year
Douglasville
$1,723/year
Guyton
$1,485/year
Marietta
$1,713/year
Mcdonough
$1,735/year
Pooler
$1,489/year

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