Best Car Insurance in Atlanta 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Atlanta.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
August 14, 2021BMW 328 I3034936Progressive$200/mo.$104/mo.
August 13, 2021BMW 328 I3034652Progressive$250/mo.$107/mo.
January 26, 2021Nissan Rogue S3030925Progressive$210/mo.$166/mo.
April 26, 2021Honda Accord Sport3034931Progressive$328/mo.$181/mo.
June 12, 2021Infiniti Q50 Base3033135Allstate$250/mo.$197/mo.
Here’s more information about what impacts the insurance rates in your Atlanta.

How much does car insurance cost in Atlanta?

Car insurance in Atlanta, Georgia costs single-car drivers an average of $3,572 annually, or about $298 per month. Compared to the state annual average of $3,420, auto insurance in Atlanta is $153 higher higher.
Whether you are seeking out a rich cultural scene or top-notch cuisine, Atlanta has it all—but it doesn’t have cheap car insurance. High crime rates, endless road construction projects, and some of the highest accident rates in the country mean that residents often pay far more than the average American for their car insurance.
That doesn’t mean that you have to skimp on coverages! Jerry is a car insurance shopping app that will help you compare rates fast. Best of all, using Jerry means you can skip all the hassles like phone calls, paperwork, and cancelations.
Sign-up takes just 45 seconds or less and you get access to easy-to-tailor quotes from dozens of top providers. Make your pick and Jerry handles the switchover—and will even send out new quotes every time your policy comes up for renewal. Most Jerry users save around $900 a year on car insurance!
Here’s a rundown of what you need to know about car insurance in Atlanta.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Atlanta$4,054$2,858$3,578$2,112$3,749$2,898
National Average$3,223$2,143$3,086$1,764$3,423$2,486
AtlantaNational Average
All Coverage Before Jerry
$4,054$3,223
All Coverage After Jerry
$2,858$2,143
Minimum Coverage Before Jerry
$3,578$3,086
Minimum Coverage After Jerry
$2,112$1,764
Full Coverage Before Jerry
$3,749$3,423
Full Coverage After Jerry
$2,898$2,486
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Choosing a carrier in Atlanta

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Residents of the Big Peach often pay high rates for car insurance, largely due to unusually high accident rates. That doesn’t mean you can’t find a deal, though!
There is a great range of providers to choose from—and some specialize in offering more affordable insurance to specific categories of drivers.
GEICO insurance in Atlanta is one of the most in-demand choices. Other big names like State Farm, Progressive, and Allstate tend to be popular as well. You will want to consider factors like your demographics, driving history, and discount eligibility when deciding on the right pick for you.
Here’s what drivers pay with some of the most popular insurance providers in Atlanta before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,207$1,311Compare Prices
Nationwide$3,358$1,188Compare Prices
Allstate$3,086$1,133Compare Prices
Progressive$2,727$951Compare Prices
Safeco$2,999$932Compare Prices
Travelers$2,431$582Compare Prices
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What kind of car insurance you need in Atlanta

In Atlanta, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Georgia law requires drivers to carry at least the following liability insurance limits:
You will have to show proof of insurance if you are involved in a claim or pulled over. And your car needs to be registered before you hit the road.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Most drivers prefer to purchase more than the state minimum car insurance limits. Liability protection won’t cover your vehicle. It only helps minimize the risk of lawsuits by covering expenses for other drivers in an at-fault accident.
Here are some additional coverages that would serve drivers in Atlanta well:
FactorRecommended coverageDescription
Traffic congestionCollision insuranceCollision insurance covers your car for damage caused by collisions, even if you are at fault.
Challenging road conditionsRoadside assistanceAtlanta roadways are often plagued by construction projects. Roadside assistance provides service for incidents like flat tires, battery boosts, or lockouts.
Uninsured driversUninsured/underinsured motorist coverageUninsured motorist protection covers drivers who get in an accident caused by another driver who doesn’t carry sufficient liability insurance.
Property crimeCustom parts coverageCustom parts coverage protects aftermarket components on your vehicle.
Natural disaster riskComprehensive coverageComprehensive insurance covers your car for most types of non-collision-related damage.

What determines your car insurance cost in Atlanta

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Atlanta, you could be paying as much as $231 more per month than an adult driver. These are average rates for Jerry customers in Atlanta broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$8,141$1,536
21-24$5,156$1,612
25-34$3,774$1,161
35-44$3,160$1,015
45-54$3,448$1,142
55-64$2,293$509
65+$2,751$896
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Atlanta with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,018$1,179
Illegal Turn$4,590$2,373
DUI$4,800$2,290
Speeding over 15$5,484$1,649
Leaving scene of an Accident/Hit and Run$3,432$1,497
Speeding under 15$4,332$1,275
Failure to Obey Traffic Sign$3,873$1,203
Improper Passing$4,008$789
Open Container$3,349$786
Wrong Way/Wrong Lane$3,375$607
Careless Driving$2,268$498
Suspension$2,700$432
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Where in Atlanta you live

It may seem like insurance rates in Atlanta should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Atlanta, residents of 30309, 30337, 30313, 30354 and 30341 will have the most expensive car insurance rates, while people who live in 30363, 30346, 30307, 30329 and 30328 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Atlanta:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 8, 202130345Honda Accord ValueGA26Assurance America$182/mo.$84/mo.
February 20, 202130349Honda Accord LXGA23Gainsco$198/mo.$90/mo.
October 5, 202130311Honda Accord EXLGA37Allstate$300/mo.$108/mo.
July 18, 202130338Dodge Journey SEGA49Metlife$317/mo.$188/mo.
October 15, 202130318Chrysler 200 LimitedGA24Progressive$300/mo.$213/mo.
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Why is car insurance in Atlanta so expensive?

A variety of considerations determine baseline car insurance rates in Atlanta. Insurance companies often consider the following:
Several factors contribute to high insurance rates in Atlanta.

High crime rate

Property crime rates are high in Atlanta, making claims more likely and causing insurance prices to rise.

High accident rates

The state of Georgia has some of the highest accident rates in the country. Traffic is particularly congested around the Atlanta area, where major construction is a common occurrence. Insurance companies raise rates to account for the risk.

Inclement weather

Violent storms are commonplace in Atlanta, the county with the highest natural disaster risk in the state. Processing multiple hail and storm damage claims is a burden for carriers, who raise premiums as a result.

How can you save money on car insurance in Atlanta?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts are an easy way to take a bite out of your car insurance in Atlanta. Most providers offer at least a few, and the more you can combine, the more you are likely to save.
Here are some common discounts available with insurance carriers in Atlanta:
DiscountDescription
Multi-policyIf you buy more than one insurance product (like car and home), bundling them with the same provider will often earn you a discount.
Accident-freeInsurance companies often reward drivers with savings if they go two years or more without an accident.
Safety featuresCommon vehicle safety features like airbags and antilock brakes might make you eligible for discounts.
Paperless billingSome companies offer a small discount for switching to paperless billing.
UsageIf your provider offers a telematics program that tracks your driving, you could earn discounts for safe practices.
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