Average car insurance cost in Atlanta
Full coverage car insurance in Atlanta costs an average of $3,438 per year, or $286 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $1,133 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,719 |
| Average annual premium | $3,438 |
| State minimum premium | $1,133 |
Cheapest car insurance companies in Atlanta
Progressive offers the cheapest full coverage car insurance in Atlanta at $2,689 per year. GEICO has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Atlanta.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,345 | $2,689 |
| GEICO | $1,346 | $2,691 |
| Auto-Owners | $1,399 | $2,797 |
| Central Insurance | $1,590 | $3,180 |
| Country Financial | $1,751 | $3,502 |
| Allstate | $1,964 | $3,928 |
| Safeway Insurance | $1,976 | $3,952 |
| Mercury Insurance | $2,282 | $4,563 |
| State Farm | $2,573 | $5,145 |
| USAA | $1,106 | $2,212 |
Cheapest car insurance cost in Atlanta by age group
Car insurance prices in Atlanta differ by age because insurers consider how driving experience impacts expected accident risk. Central Insurance is the cheapest company for teens, Progressive for young adults, Progressive for adults, and Progressive for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Atlanta by age below:.
- Cheapest for teens: Central Insurance
- Cheapest for young adults: Progressive
- Cheapest for adults: Progressive
- Cheapest for seniors: Progressive
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Central Insurance offers the cheapest car insurance for teens at $7,482 per year.
For young adults, Progressive offers the lowest average rate at $4,587 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
Progressive is the least expensive insurer for adult drivers in Atlanta, with an average annual premium of $2,606. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from Progressive at $2,597 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Progressive | $12,855 | $4,587 | $2,606 | $2,597 |
| GEICO | $10,252 | $4,849 | $2,766 | $2,872 |
| Auto-Owners | $7,788 | $4,940 | $2,904 | $3,245 |
| Central Insurance | $7,482 | $4,981 | $3,328 | $3,885 |
| Country Financial | $8,252 | $5,412 | $3,558 | $3,322 |
| Allstate | $15,461 | $5,938 | $3,903 | $4,163 |
| Safeway Insurance | $16,968 | $7,516 | $4,148 | $3,977 |
| Mercury Insurance | $22,307 | $7,577 | $4,650 | $4,728 |
| State Farm | $15,197 | $8,576 | $5,204 | $5,070 |
| USAA | $6,388 | $3,492 | $2,224 | $2,417 |
Cheapest car insurance companies in Atlanta by driver profile
The cheapest car insurance provider in Atlanta varies based on driving history and credit-based insurance information. Auto-Owners has the lowest rate after an at-fault accident, Progressive after a DUI, and Progressive after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Atlanta by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: Auto-Owners
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Progressive
Cheapest for a driver with poor credit: GEICO
GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Atlanta pay about $3,414 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Atlanta.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,707 | $3,414 |
| Progressive | $2,077 | $4,154 |
| Country Financial | $2,344 | $4,688 |
| Allstate | $3,034 | $6,069 |
| Mercury Insurance | $3,402 | $6,805 |
| Auto-Owners | $3,641 | $7,281 |
| State Farm | $9,743 | $19,487 |
| USAA | $2,217 | $4,434 |
Cheapest auto insurance after an at-fault accident: Auto-Owners
After an at-fault accident, Auto-Owners has the cheapest average car insurance in Atlanta at $4,069 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Atlanta.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $2,034 | $4,069 |
| GEICO | $2,154 | $4,308 |
| Country Financial | $2,213 | $4,427 |
| Progressive | $2,479 | $4,957 |
| State Farm | $2,975 | $5,950 |
| Allstate | $2,992 | $5,984 |
| Mercury Insurance | $4,669 | $9,337 |
| USAA | $1,693 | $3,386 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest average car insurance after a first-offense DUI/DWI in Atlanta, with a rate of $4,238 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Atlanta.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $2,119 | $4,238 |
| Country Financial | $2,513 | $5,026 |
| Allstate | $2,660 | $5,319 |
| Auto-Owners | $2,724 | $5,447 |
| State Farm | $2,751 | $5,501 |
| Mercury Insurance | $3,282 | $6,564 |
| GEICO | $3,709 | $7,417 |
| USAA | $2,264 | $4,527 |
Cheapest for drivers with a speeding ticket: Progressive
Progressive offers the cheapest car insurance at $3,627 in Atlanta for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,814 | $3,627 |
| Auto-Owners | $1,822 | $3,644 |
| GEICO | $1,948 | $3,897 |
| Allstate | $2,231 | $4,462 |
| Country Financial | $2,262 | $4,523 |
| State Farm | $2,751 | $5,501 |
| Mercury Insurance | $3,465 | $6,929 |
| USAA | $1,374 | $2,747 |
Car insurance discounts for Atlanta drivers
The largest available car insurance discount in Atlanta is Student Away At School, which provides average savings of 53% through GEICO. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Atlanta drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $2,248 | $2,220 | 1% | $28 |
| Air Bags | Auto-Owners | $2,266 | $2,252 | 1% | $14 |
| Air Bags | Allstate | $3,067 | $3,047 | 1% | $19 |
| Anti-Theft Device | GEICO | $2,248 | $2,235 | 1% | $14 |
| Anti-Theft Device | Auto-Owners | $2,266 | $2,238 | 1% | $28 |
| Anti-Theft Device | Country Financial | $2,545 | $2,513 | 1% | $33 |
| Anti-Theft Device | Central Insurance | $2,681 | $2,639 | 2% | $41 |
| Comp and Coll Deductibles | Progressive | $1,980 | $1,904 | 4% | $76 |
| Comp and Coll Deductibles | GEICO | $2,248 | $2,152 | 4% | $97 |
| Comp and Coll Deductibles | Auto-Owners | $2,266 | $2,175 | 4% | $92 |
| Comp and Coll Deductibles | Central Insurance | $2,681 | $2,318 | 14% | $362 |
| Comp and Coll Deductibles | Country Financial | $2,545 | $2,367 | 7% | $178 |
| Comp and Coll Deductibles | Allstate | $3,067 | $2,752 | 10% | $315 |
| Comp and Coll Deductibles | Mercury Insurance | $3,495 | $3,336 | 5% | $160 |
| Comp and Coll Deductibles | State Farm | $4,107 | $3,770 | 8% | $337 |
| Daily Commute | Auto-Owners | $2,266 | $2,104 | 7% | $162 |
| Daily Commute | GEICO | $2,248 | $2,167 | 4% | $81 |
| Daily Commute | Country Financial | $2,545 | $2,502 | 2% | $43 |
| Days Advanced Purchase | Progressive | $1,980 | $1,890 | 5% | $90 |
| Days Advanced Purchase | Auto-Owners | $2,266 | $2,096 | 7% | $170 |
| Days Advanced Purchase | Mercury Insurance | $3,495 | $3,219 | 8% | $276 |
| Days Per Week Driven | GEICO | $2,248 | $2,177 | 3% | $71 |
| Days Per Week Driven | Country Financial | $2,545 | $2,502 | 2% | $43 |
| Electronic Funds Transfer | Allstate | $3,067 | $2,939 | 4% | $128 |
| Electronic Funds Transfer | Mercury Insurance | $3,495 | $3,388 | 3% | $108 |
| Electronic Signature | Mercury Insurance | $3,495 | $3,443 | 1% | $52 |
| Homeowner | Progressive | $1,980 | $1,922 | 3% | $58 |
| Homeowner | Auto-Owners | $2,266 | $2,108 | 7% | $159 |
| Homeowner | Allstate | $3,067 | $2,698 | 12% | $369 |
| Homeowner | Mercury Insurance | $3,495 | $3,256 | 7% | $239 |
| Lower Annual Mileage | GEICO | $2,248 | $2,187 | 3% | $61 |
| Lower Annual Mileage | Central Insurance | $2,681 | $2,323 | 13% | $358 |
| Lower Annual Mileage | Allstate | $3,067 | $2,596 | 15% | $471 |
| Lower Annual Mileage | State Farm | $4,107 | $3,703 | 10% | $404 |
| Loyalty - Years Renewal With Company | Central Insurance | $2,681 | $2,520 | 6% | $160 |
| Loyalty - Years Renewal With Company | State Farm | $4,107 | $3,666 | 11% | $441 |
| Marital Status | Progressive | $1,980 | $1,708 | 14% | $272 |
| Marital Status | GEICO | $2,248 | $1,816 | 19% | $432 |
| Marital Status | Central Insurance | $2,681 | $2,593 | 3% | $88 |
| Marital Status | Mercury Insurance | $3,495 | $2,977 | 15% | $518 |
| Marital Status | Safeway Insurance | $3,412 | $2,984 | 13% | $427 |
| Marital Status | Allstate | $3,067 | $3,011 | 2% | $56 |
| Multi Policy | Progressive | $1,980 | $1,783 | 10% | $197 |
| Multi Policy | Auto-Owners | $2,266 | $2,055 | 9% | $211 |
| Multi Policy | GEICO | $2,248 | $2,106 | 6% | $142 |
| Multi Policy | Country Financial | $2,545 | $2,294 | 10% | $251 |
| Multi Policy | Central Insurance | $2,681 | $2,494 | 7% | $187 |
| Multi Policy | Allstate | $3,067 | $2,518 | 18% | $549 |
| Multi Policy | Mercury Insurance | $3,495 | $3,076 | 12% | $419 |
| Multi Policy | Safeway Insurance | $3,412 | $3,238 | 5% | $174 |
| Multi Policy | State Farm | $4,107 | $3,680 | 10% | $427 |
| Paperless/Electornic Documents | Progressive | $1,980 | $1,960 | 1% | $20 |
| Paperless/Electornic Documents | Allstate | $3,067 | $2,912 | 5% | $155 |
| Paperless/Electornic Documents | Mercury Insurance | $3,495 | $3,426 | 2% | $69 |
| Payment Type | Auto-Owners | $2,266 | $1,926 | 15% | $340 |
| Payment Type | Country Financial | $2,545 | $2,310 | 9% | $236 |
| Payment Type | Central Insurance | $2,681 | $2,556 | 5% | $125 |
| Payment Type | Allstate | $3,067 | $2,687 | 12% | $380 |
| Payment Type | Mercury Insurance | $3,495 | $2,961 | 15% | $535 |
| Payment Type | Safeway Insurance | $3,412 | $3,241 | 5% | $170 |
| Primary Use | Auto-Owners | $2,266 | $1,971 | 13% | $295 |
| Primary Use | GEICO | $2,248 | $2,012 | 11% | $237 |
| Primary Use | Central Insurance | $2,681 | $2,256 | 16% | $425 |
| Primary Use | Country Financial | $2,545 | $2,398 | 6% | $148 |
| Primary Use | Allstate | $3,067 | $2,844 | 7% | $222 |
| Primary Use | State Farm | $4,107 | $3,619 | 12% | $488 |
| Safety Devices | Progressive | $1,980 | $1,882 | 5% | $98 |
| Safety Devices | Auto-Owners | $2,266 | $2,182 | 4% | $84 |
| Safety Devices | GEICO | $2,248 | $2,212 | 2% | $36 |
| Safety Devices | Central Insurance | $2,681 | $2,629 | 2% | $52 |
| Safety Devices | Allstate | $3,067 | $2,844 | 7% | $222 |
| Telematics | Progressive | $1,980 | $1,782 | 10% | $198 |
| Telematics | State Farm | $4,107 | $3,799 | 8% | $308 |
| Years Insured | Mercury Insurance | $3,495 | $1,721 | 51% | $1,774 |
| Years Insured | Progressive | $1,980 | $1,764 | 11% | $215 |
| Years Insured | GEICO | $2,248 | $1,863 | 17% | $385 |
| Years Insured | Auto-Owners | $2,266 | $2,244 | 1% | $22 |
| Years Insured | Allstate | $3,067 | $2,459 | 20% | $607 |
| Years Insured | Safeway Insurance | $3,412 | $3,096 | 9% | $316 |
| Anti-Theft Device | USAA | $1,728 | $1,696 | 2% | $32 |
| Days Advanced Purchase | USAA | $1,728 | $1,604 | 7% | $124 |
| Electronic Funds Transfer | USAA | $1,728 | $1,679 | 3% | $50 |
| Lower Annual Mileage | USAA | $1,728 | $1,607 | 7% | $121 |
| Loyalty - Years Renewal With Company | USAA | $1,728 | $1,548 | 10% | $180 |
| Marital Status | USAA | $1,728 | $1,617 | 6% | $111 |
| Multi Policy | USAA | $1,728 | $1,665 | 4% | $63 |
| Primary Use | USAA | $1,728 | $1,430 | 17% | $299 |
| Safety Devices | USAA | $1,728 | $1,710 | 1% | $18 |
| Years Insured | USAA | $1,728 | $1,442 | 17% | $287 |
How to get cheap car insurance in Atlanta in 2025
To get cheap car insurance in Atlanta in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Atlanta by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Atlanta.
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
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.
FAQ: Cheap Car Insurance in Atlanta
How much does car insurance cost in Atlanta?
Car insurance costs $3,438 per year on average, or about $286 monthly for full coverage in Atlanta. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in GA?
No, you don't legally need full coverage in GA, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Atlanta?
You can reduce your car insurance costs in Atlanta by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in Georgia
