Auto-Owners and Country Financial are among the most affordable car insurance providers in Atlanta, Georgia. Rates can vary based on your driving history and the level of coverage you choose. The table below shows different categories to help you see which company offers the best rates for your needs.
Cheapest Car Insurance in Atlanta, GA
Updated: December 11, 2024
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Key Takeaways
Auto-Owners, Mercury, GEICO, Country Financial and Progressive are the cheapest car insurance companies in Atlanta.
The lowest monthly rates for car insurance in Atlanta are $50 for state minimum coverage and $106 for full coverage.
On average, residents in Atlanta pay $87 per month for minimum coverage and $165 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Georgia Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Atlanta
| Auto-Owners Insurance Co | Minimum Coverage | $50 |
| Auto-Owners Insurance Co | Full Coverage | $106 |
| Allstate | Teens | $167 |
| Auto-Owners Insurance Co | Young Adults | $70 |
| Auto-Owners Insurance Co | Senior Drivers | $60 |
| Country Financial | Drivers With Bad Credit | $88 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $57 |
| Country Financial | Drivers With a DUI | $87 |
| Auto-Owners Insurance Co | Drivers With an Accident | $73 |
| Auto-Owners Insurance Co | Military Affiliated Drivers | $50 |
Cheapest Car Insurance Coverage in Atlanta
Finding the cheapest car insurance in Atlanta requires comparing rates from various providers. Factors like age, driving history, vehicle type, and coverage needs impact insurance costs. Remember, the cheapest car insurance in Georgia might not be the lowest in Atlanta. Comparing car insurance quotes helps you find affordable coverage tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Atlanta
Auto-Owners offers the cheapest minimum coverage car insurance in Atlanta at $50 per month, followed by Mercury at $71 per month. Check the table below for more providers offering great rates for minimum coverage.
| Auto-Owners Insurance Co | $50 | $37 |
| Mercury | $71 | $16 |
| GEICO | $79 | $8 |
| Country Financial | $80 | $7 |
Cheapest Full Coverage Car Insurance in Atlanta
Auto-Owners offers the cheapest full car insurance coverage in Atlanta at $1,270 per year. Check the table below to compare different providers offering the best rates for full coverage.
| Auto-Owners Insurance Co | $106 | $59 |
| Country Financial | $126 | $38 |
| Mercury | $161 | $3 |
Cheapest Car Insurance in Atlanta by Age
In Atlanta, car insurance rates can change with age. Young drivers often pay more because they're new on the road. Over time, these rates usually go down, but they might go up after age 70. Below, find affordable insurance companies for teens, young adults, and seniors.
Cheapest Car Insurance in Atlanta for Teens
Teens in Atlanta can find the cheapest car insurance with Allstate and Auto-Owners. Check the table below for the lowest rates available for your age group in the city.
| Allstate | $167 | $130 | $375 | $162 |
| Auto-Owners Insurance Co | $258 | $39 | $299 | $237 |
Cheapest Car Insurance in Atlanta for Young Adults
Auto-Owners offers the cheapest car insurance for young adults in Atlanta, with rates at $845 per year. This rate is 34% less than the city average. Other affordable options include Mercury at $1,086, Country Financial at $1,139 and Progressive at $1,335.
| Auto-Owners Insurance Co | $70 | $37 |
| Mercury | $91 | $17 |
| Country Financial | $95 | $12 |
Cheapest Car Insurance in Atlanta for Seniors
Auto-Owners offers the cheapest car insurance for seniors in Atlanta at $723 annually. For more affordable options, explore car insurance for seniors. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Auto-Owners Insurance Co | $60 | $23 |
| Country Financial | $62 | $21 |
| Mercury | $63 | $20 |
| GEICO | $71 | $12 |
Cheapest Car Insurance in Atlanta for Drivers With Bad Credit
A low credit-based insurance score can mean higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Country Financial offers a rate of $1,052 and Mercury $1,053 annually for minimum coverage. Review the table below for more options from other providers.
| Country Financial | $88 | $50 |
| Mercury | $88 | $50 |
| GEICO | $116 | $22 |
| Progressive | $135 | $3 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can lower car insurance costs by utilizing discounts, like safe driver or low mileage. Consider bundling different insurance policies for savings. Comparing personalized quotes from multiple companies can also help. Improving your credit over time can further reduce rates.
Cheapest Car Insurance in Atlanta After a Driving Offense
Insurance providers assess risk by reviewing your driving record, which plays a key role in calculating your car insurance premiums. Violations such as speeding tickets, accidents, or DUIs can significantly increase your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Atlanta After a DUI
For drivers with a DUI in their record, affordable car insurance is still within reach. Country Financial offers the cheapest minimum coverage at $1,047 annually. Check the table below to explore options from other providers and find the best rates.
| Country Financial | $87 | $59 |
| Mercury | $94 | $53 |
| Auto-Owners Insurance Co | $112 | $35 |
| Progressive | $136 | $10 |
| State Farm | $137 | $10 |
| Allstate | $144 | $2 |
Cheapest Car Insurance in Atlanta After an Accident
Auto-Owners offers the most affordable minimum coverage car insurance for drivers in Atlanta with an at-fault accident record at an annual rate of $881. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with an at-fault accident record.
| Auto-Owners Insurance Co | $73 | $56 |
| Country Financial | $86 | $43 |
| GEICO | $121 | $9 |
Cheapest Car Insurance in Atlanta After a Ticket
Auto-Owners offers the most affordable car insurance for drivers in Atlanta with a speeding record at $685 annually. Country Financial follows with a rate of $946 per year. Check the table below to explore options from other providers and find the best rates.
| Auto-Owners Insurance Co | $57 | $44 |
| Country Financial | $79 | $22 |
| GEICO | $89 | $12 |
| Mercury | $97 | $4 |
Cheapest Car Insurance in Atlanta for Military Drivers
Military drivers in Atlanta, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. Among the cheapest car insurance providers for military drivers, Auto-Owners offers an annual rate of $595, while USAA provides a rate of $746 for minimum coverage.
| Auto-Owners Insurance Co | $50 | $34 |
| USAA | $62 | $22 |
| Mercury | $71 | $13 |
| GEICO | $79 | $5 |
| Country Financial | $80 | $4 |
How Much Does Car Insurance Cost in Atlanta?
In Atlanta, the average full coverage car insurance is $1,975 a year. State minimum coverage costs less, averaging $1,041 annually. These rates are based on a 40-year-old driver with good credit and a clean driving record, but your rate may differ.
Atlanta Auto Insurance Cost by Driver Profile
See how average costs for various driver profiles stack up. This table helps you compare and gauge if your rate is affordable.
| Teen Drivers | No Data | $537 |
| Young Adults | $107 | $215 |
| Senior Drivers | $83 | $160 |
| Drivers With Bad Credit | $138 | $279 |
| Drivers With a Speeding Ticket | $101 | $205 |
| Drivers With a DUI | $146 | $302 |
| Drivers With an Accident | $129 | $255 |
| Military Affiliated Drivers | $84 | $159 |
How Expensive Is Car Insurance Atlanta?
In Atlanta, minimum coverage car insurance is about 33% more expensive than Georgia's average, costing $87 monthly. Full coverage costs 31% more, at $165 monthly. Peach State drivers pay less compared to Atlanta residents.
| Atlanta Avg Rate | $87 | $165 |
| Georgia Avg Rate | $65 | $126 |
| vs Georgia Avg Rate | $-22 | $-39 |
Car Insurance Requirements in Atlanta
In Georgia, drivers are legally required to carry car insurance that meets state minimum coverage limits. These limits are in place to ensure that all drivers have financial protection for bodily injury and property damage that they may cause in an accident.
The state of Georgia has set the following minimum car insurance coverage limits:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
An auto insurance policy serves as a financial safeguard against costs arising from a traffic accident. Specifically, liability coverage helps pay for damage or injuries that the policyholder is responsible for in an at-fault collision.
For example, if you are at fault in an accident and the other driver sustains injuries requiring medical attention, your bodily injury liability coverage would cover their medical expenses up to the per-person limit of $25,000. Any costs beyond this would be your responsibility unless you have higher coverage limits.
Drivers in need of SR-22 insurance in Atlanta must maintain at least the state minimum coverage limits to legally drive in Georgia.
Cheapest Car Insurance in Atlanta: Bottom Line
Finding affordable car insurance in Atlanta isn't one-size-fits-all. It varies with your age, driving history, car type, and credit. Auto-Owners and Country Financial often have the lowest rates. But remember, Peach State drivers, always compare quotes to ensure you're getting the best deal for your wallet.
Cheap Atlanta Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in Atlanta. We help you find the best coverage for your needs. Discover the cheapest options and make informed decisions with our guidance.
What is the cheapest car insurance company in Atlanta, Georgia?
The cheapest car insurance company in Atlanta, Georgia, is typically Auto-Owners with average rates of $50 per month for minimum coverage and $106 per month for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Atlanta, Georgia?
The average cost of car insurance in Atlanta, Georgia, is around $1,975 per year for full coverage, while minimum coverage averages approximately $1,041 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Atlanta, Georgia, expensive?
Yes, car insurance in Atlanta, Georgia, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Atlanta, GA
To help Atlanta drivers find the most affordable auto insurance companies, MoneyGeek analyzed Atlanta auto insurance rates based on data and information from the Georgia Department of Insurance and Quadrant Information Services.
Atlanta Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Atlanta with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Atlanta
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Georgia are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.