Cheapest car insurance companies in Atlanta 

After an in-depth analysis, found that Auto-Owners and Central Insurance are the cheapest car insurance companies in Atlanta for 2023. 

The car insurance company in Atlanta that provides the cheapest car insurance premiums is Auto-Owners, with an average annual rate of $1,830 .

Car insurance costs may vary in Atlanta 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 Atlanta.

CompaniesAverage annual rates
Central Insurance$2,070
Country Financial$2,290
State Farm$2,935
Mercury Insurance$3,003
Safeway Insurance$3,244

Cheapest car insurance cost in Atlanta by Age Group 

In Atlanta, Central Insurance is the cheapest car insurance company for teenagers, offering full coverage policies at $4,906 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Atlanta, offering full coverage at an annual average cost of $3,214.

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 Atlanta is Auto-Owners. Its average rate for a full coverage car insurance policy is $1,896 per year

Atlanta senior drivers seeking affordable car insurance should look no further than Auto-Owners. It offers the cheapest car insurance rates for seniors, with an average annual premium of $2,101. It makes Auto-Owners a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
Central Insurance$4,906$3,356$2,175$2,555
Country Financial$5,635$3,609$2,324$2,136
State Farm$8,391$4,790$2,957$2,887
Safeway Insurance$9,718$5,687$3,276$3,206
Mercury Insurance$10,644$5,274$3,051$3,071

Cheapest car insurance companies in Atlanta by driver profile 

Insurers in Atlanta consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

To find the cheapest car insurance company in Atlanta, 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's a list of car insurance companies that offer cheap insurance rates in Atlanta based on driver profile. 

Drivers in Atlanta with poor credit can get the cheapest car insurance from Geico at an average cost of $1,871 a year, according to a data study by

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Atlanta.

CompanyAverage annual rates
State Farm$3,492

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Atlanta. It offers full coverage car insurance for drivers aged 30 at about $1,604 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
State Farm$1,936

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, found that State Farm offers the cheapest car insurance rates for Atlanta drivers with at-fault accidents. It provides coverage at an average annual cost of $2,095.

CompanyAverage annual rates
State Farm$2,095

Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Atlanta. On average, its annual full coverage rate is $1,936, making it a significantly cheaper option than other insurance providers.

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$1,936

Average car insurance cost in Atlanta 

The average car insurance rate in Atlanta for full coverage is $2,470 per year or $206 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Atlanta is $802 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

Methodology 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 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.

Compare auto insurance rates by city in Georgia