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Car insurance coverage in Atlanta costs an average of $1,781 annually for full coverage. That's $334 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Atlanta, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Atlanta provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Atlanta

United Svcs Automobile Assn is the cheapest car insurance company in Atlanta with an average cost of $1,152 per year, based on insurance.com's rate analysis. While Geico General is second in terms of the cheapest car insurance companies in Atlanta. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Svcs Automobile Assn$1,152
GEICO General$1,326
Owners$1,472
Nationwide General$1,478
Progressive Mountain$1,638
State Farm Mutl Automobile Ins$1,777
Mercury Ind Co of GA$1,942
Allstate P&C$2,134
Metropolitan Casualty$3,110

Cheapest car insurance cost in Atlanta by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,780 a year or $148 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,614 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Atlanta at about $2,849 a year. While Owners Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,218 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,780$1,614$5,878$2,849
Owners Ins Co$1,943$2,162$4,218$2,886
State Farm Mut Auto Ins Co$2,031$1,928$5,284$3,220
Nationwide Gen Ins Co$2,088$1,900$8,982$3,903
Progressive Mountain Ins Co$2,423$2,142$12,417$4,227
Allstate Prop & Cas Ins Co$3,500$3,583$12,226$4,877

Cheapest car insurance companies in Atlanta by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Atlanta no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: United
  • Cheapest for DUI: State Farm

Cheapest for a driver with poor credit: Geico

Geico is the cheapest car insurance company for a driver with poor credit in Atlanta. Its average annual rate is $2,147 or $179 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAverage Annual Rates
Geico$2,147
United$2,918
Nationwide$2,968
Progressive$3,831
Allstate$4,201
State Farm$4,485
Mercury$4,836
Owners Ins Co$5,225
Metropolitan$8,675

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Atlanta. Its average annual premium is $1,961 annually or $163 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAverage Annual Rates
United$1,961
Owners Ins Co$2,428
State Farm$2,471
Geico$2,766
Nationwide$2,896
Allstate$3,161
Progressive$3,282
Mercury$4,622
Metropolitan$6,624

Cheapest auto insurance after an at-fault accident: United

United offers the cheapest car insurance rates for a driver with an accident record in Atlanta at about $2,302 per year. Apart from United, Geico, State Farm, and Owners are other cheap insurance companies on our list.

CompanyAverage Annual Rates
United$2,302
Geico$2,583
State Farm$2,682
Owners Ins Co$2,779
Nationwide$3,081
Progressive$4,137
Allstate$4,269
Metropolitan$4,695
Mercury$5,629

Cheapest auto insurance after a DUI: State Farm

State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,471 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAverage Annual Rates
State Farm$2,471
United$3,076
Nationwide$3,696
Progressive$3,793
Allstate$3,797
Owners Ins Co$4,047
Mercury$4,446
Geico$4,680
Metropolitan$7,812

Average car insurance cost in Atlanta

The average car insurance rate in Atlanta is $1,781 a year for a full coverage policy of 100/300/100 for a driver age 30, $334 more than the national average of $1,447.

The average annual premium in Atlanta for minimum coverage is $700 a year or $58 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,781$700