Cheap Car Insurance in Atlanta

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Atlanta

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The highly populated city of Atlanta comes with a highway hub, multi-level interchanges and heavy congestion along the Downtown Connector where Interstates 75 and 85 meet. Atlanta’s metro area covers a large geographic region, often requiring long commutes between locations. Not to mention the potential weather hazards such as heavy rainfall.

Because the city is densely populated, Atlanta drivers may pay more for car insurance than those in more rural areas, so it’s wise to comparison shop to find the cheapest policy.

We’ve compiled data from real Jerry customers to show you how your age, driving history and coverage needs can change the amount you’re quoted for a policy in Atlanta. 

Cheapest minimum coverage insurance in Atlanta

Georgia requires drivers to have these minimum coverages:

  • Bodily injury liability of $25,000 per person and $50,000 per incident.
  • Property damage liability of $25,000 per incident.

Here are the average costs that insurers quote to Atlanta drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Safeco $136 $1,627 Atlanta, GA
Dairyland $161 $1,927 Atlanta, GA
Progressive $257 $3,083 Atlanta, GA
First Acceptance $272 $3,261 Atlanta, GA
Assurance America $273 $3,275 Atlanta, GA
National General $295 $3,543 Atlanta, GA
The General $367 $4,400 Atlanta, GA
Gainsco $369 $4,432 Atlanta, GA
Trexis $384 $4,603 Atlanta, GA
Bristol West $444 $5,327 Atlanta, GA
Last Updated Mar 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Atlanta

The Atlanta area has been known to occasionally flood and, like many urban areas, the city sees its spates of car theft. The minimum insurance for Georgia doesn’t cover these situations. Full coverage protects your vehicle if it’s stolen, vandalized or flooded and pays for repairs to your car after an accident, regardless of who’s at fault.

This table shows the average full coverage insurance costs for Atlanta drivers, from cheapest to most expensive, according to Jerry’s aggregate quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Bluefire $171 $2,049 Atlanta, GA
Dairyland $372 $4,468 Atlanta, GA
Progressive $382 $4,580 Atlanta, GA
Assurance America $447 $5,364 Atlanta, GA
First Acceptance $468 $5,620 Atlanta, GA
National General $469 $5,623 Atlanta, GA
Safeco $526 $6,314 Atlanta, GA
Commonwealth Insurance $563 $6,760 Atlanta, GA
Aspen $566 $6,791 Atlanta, GA
Root $589 $7,069 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance for young drivers in Atlanta

Insurers often view younger drivers as inexperienced, which makes them riskier to insure and increases their policy costs. Here’s what young drivers in Atlanta can expect to pay, based on quote data from real Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $840 $10,077 Atlanta, GA
21-24 $567 $6,805 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest minimum coverage for 20-year-olds

Based on Jerry’s data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Atlanta.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $391 $4,692 Atlanta, GA
First Acceptance $538 $6,450 Atlanta, GA
Bristol West $961 $11,536 Atlanta, GA
The General $1,167 $14,006 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $975 $11,704 Atlanta, GA
Bristol West $1,343 $16,119 Atlanta, GA
The General $1,476 $17,714 Atlanta, GA
Progressive $1,557 $18,684 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance costs for mature drivers in Atlanta (25-54 years old)

Car insurance usually gets cheaper as you reach your late 20s and 30s. This is a good time to cost compare and shop for a lower rate. Here are the rates more mature drivers can expect to pay in Atlanta, based on Jerry’s quote data.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
25-34 $434 $5,209 Atlanta, GA
35-44 $384 $4,603 Atlanta, GA
45-54 $370 $4,434 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest minimum coverage for 36-year-olds

These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Atlanta, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Gainsco $179 $2,142 Atlanta, GA
First Acceptance $227 $2,724 Atlanta, GA
Progressive $242 $2,909 Atlanta, GA
Assurance America $269 $3,222 Atlanta, GA
Root $276 $3,314 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest full coverage for 36-year-olds

These insurers provide the cheapest full coverage quotes to 36-year-olds in Atlanta, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $300 $3,603 Atlanta, GA
Root $313 $3,761 Atlanta, GA
National General $434 $5,210 Atlanta, GA
Assurance America $468 $5,612 Atlanta, GA
Trexis $564 $6,769 Atlanta, GA
The General $631 $7,575 Atlanta, GA
Gainsco $742 $8,906 Atlanta, GA
Bristol West $916 $10,993 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance for older drivers (55+ years old)

Older drivers are likely to see their insurance costs lower into their 50s but after 60, rates may start to rise. Here are the average rates for older drivers in Atlanta, based on data from Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $351 $4,210 Atlanta, GA
65+ $371 $4,452 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest price quotes for 65-year-olds in Atlanta, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $133 $1,600 Atlanta, GA
Assurance America $219 $2,625 Atlanta, GA
The General $246 $2,954 Atlanta, GA
National General $258 $3,096 Atlanta, GA
First Acceptance $294 $3,529 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $195 $2,339 Atlanta, GA
National General $555 $6,659 Atlanta, GA
Assurance America $719 $8,633 Atlanta, GA
Trexis $1,016 $12,190 Atlanta, GA
The General $1,101 $13,212 Atlanta, GA
Bristol West $1,569 $18,824 Atlanta, GA
Last Updated Mar 24, 2025
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Cheapest car insurance for drivers with clean records in Atlanta

Having no claims or violations on your driving record goes a long way in getting a low rate. Here’s what drivers with clean records in Atlanta can expect to pay on average, according to Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
City, State
$378 $4,535 Atlanta, GA
Last Updated Mar 24, 2025

These insurers offer the lowest prices to Atlanta drivers with spotless records, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Electric $94 $1,124 Atlanta, GA
Bluefire $171 $2,049 Atlanta, GA
First Acceptance $253 $3,034 Atlanta, GA
Progressive $299 $3,587 Atlanta, GA
Commonwealth Insurance $312 $3,744 Atlanta, GA
Aspen $324 $3,894 Atlanta, GA
Safeco $333 $3,999 Atlanta, GA
Assurance America $335 $4,023 Atlanta, GA
National General $356 $4,269 Atlanta, GA
Dairyland $379 $4,547 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance rates for drivers with low credit scores in Atlanta

A low credit score could cause an insurer to charge more for coverage. Here’s what Atlanta drivers can expect to pay for car insurance, based on their credit scores, according to Jerry’s quote data.

Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
550-659 $402 $4,822 Atlanta, GA
660-750 $374 $4,486 Atlanta, GA
<550 $409 $4,903 Atlanta, GA
750+ $265 $3,179 Atlanta, GA
Last Updated Mar 24, 2025

These insurance companies provide the cheapest quotes to Atlanta drivers with scores below 550, based on Jerry’s data.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
Infinity <550 $184 $2,207 Atlanta, GA
Nationwide <550 $214 $2,573 Atlanta, GA
Embark General <550 $253 $3,038 Atlanta, GA
First Acceptance <550 $269 $3,229 Atlanta, GA
Travelers <550 $271 $3,251 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Atlanta

Having an accident on your record usually causes your policy costs to rise. Here’s what a driver with an at-fault accident can expect to pay in Atlanta, based on Jerry’s quote data.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
City, State
At Fault With Injury $521 $6,247 Atlanta, GA
At Fault With No Injury $490 $5,882 Atlanta, GA
Not At Fault $438 $5,260 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest policies for drivers with at-fault accidents with no injury in Atlanta

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Dairyland $116 $1,392 Atlanta, GA
Aspire Advantage $162 $1,946 Atlanta, GA
Safeco $169 $2,031 Atlanta, GA
First Acceptance $313 $3,759 Atlanta, GA
Progressive $346 $4,154 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest policies for drivers with at-fault accidents with injury in Atlanta

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $364 $4,373 Atlanta, GA
National General $392 $4,704 Atlanta, GA
Trexis $429 $5,145 Atlanta, GA
Progressive $473 $5,673 Atlanta, GA
Bristol West $688 $8,257 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with speeding tickets in Atlanta

If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here’s what drivers with speeding tickets pay in Atlanta on average, according to customer data collected by Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $449 $5,392 Atlanta, GA
Speeding under 15 $425 $5,099 Atlanta, GA
Last Updated Mar 24, 2025

These insurers provide the most affordable insurance policies to Atlanta drivers with speeding tickets on their records, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $298 $3,573 Atlanta, GA
Progressive $315 $3,775 Atlanta, GA
Assurance America $375 $4,504 Atlanta, GA
Root $416 $4,994 Atlanta, GA
National General $431 $5,173 Atlanta, GA
Gainsco $469 $5,629 Atlanta, GA
Trexis $522 $6,259 Atlanta, GA
The General $549 $6,590 Atlanta, GA
Bristol West $662 $7,941 Atlanta, GA
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with DUIs in Atlanta

A DUI is often cause for your insurance rates to rise. Here’s what drivers in Atlanta who have DUIs on their records can expect to pay, according Jerry’s quote data.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
DUI $483 $5,797 Atlanta, GA
Last Updated Mar 24, 2025

These insurers offer the cheapest insurance quotes to Atlanta drivers with DUIs, per Jerry’s customer quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $252 $3,027 Atlanta, GA
Assurance America $356 $4,277 Atlanta, GA
Bristol West $368 $4,421 Atlanta, GA
First Acceptance $471 $5,650 Atlanta, GA
Progressive $474 $5,688 Atlanta, GA
Trexis $538 $6,462 Atlanta, GA
The General $1,097 $13,169 Atlanta, GA
Last Updated Mar 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.