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, including rainfall delivered by hurricanes in nearby states.
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 have 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
|
|---|---|---|---|
| Embark General | $76 | $908 | Atlanta, GA |
| Commonwealth Insurance | $112 | $1,340 | Atlanta, GA |
| Nationwide | $126 | $1,510 | Atlanta, GA |
| Travelers | $133 | $1,599 | Atlanta, GA |
| Dairyland | $140 | $1,682 | Atlanta, GA |
| State Auto | $151 | $1,806 | Atlanta, GA |
| Safeco | $160 | $1,924 | Atlanta, GA |
| Kemper | $163 | $1,954 | Atlanta, GA |
| Allstate | $165 | $1,977 | Atlanta, GA |
| Mercury | $179 | $2,150 | Atlanta, GA |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
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 |
| Plymouth Rock | $183 | $2,192 | Atlanta, GA |
| AAA | $197 | $2,358 | Atlanta, GA |
| Commonwealth Insurance | $210 | $2,516 | Atlanta, GA |
| Nationwide | $224 | $2,688 | Atlanta, GA |
| Kemper | $238 | $2,860 | Atlanta, GA |
| Aspire Advantage | $241 | $2,892 | Atlanta, GA |
| Travelers | $246 | $2,957 | Atlanta, GA |
| State Auto | $253 | $3,038 | Atlanta, GA |
| Allstate | $264 | $3,174 | Atlanta, GA |
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 | $825 | $9,904 | Atlanta, GA |
| 21-24 | $498 | $5,972 | Atlanta, GA |
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
|
|---|---|---|---|
| First Acceptance | $401 | $4,814 | Atlanta, GA |
| National General | $438 | $5,255 | Atlanta, GA |
| Progressive | $629 | $7,552 | Atlanta, GA |
| The General | $667 | $7,999 | Atlanta, GA |
| Bristol West | $806 | $9,671 | Atlanta, GA |
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 | $742 | $8,906 | Atlanta, GA |
| Progressive | $849 | $10,190 | Atlanta, GA |
| Bristol West | $1,408 | $16,898 | Atlanta, GA |
| The General | $1,416 | $16,991 | Atlanta, GA |
| Assurance America | $1,458 | $17,495 | Atlanta, GA |
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 | $356 | $4,273 | Atlanta, GA |
| 35-44 | $309 | $3,713 | Atlanta, GA |
| 45-54 | $295 | $3,543 | Atlanta, GA |
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
|
|---|---|---|---|
| Kemper | $120 | $1,436 | Atlanta, GA |
| Nationwide | $137 | $1,648 | Atlanta, GA |
| Allstate | $144 | $1,726 | Atlanta, GA |
| Safeco | $160 | $1,921 | Atlanta, GA |
| Mercury | $165 | $1,976 | Atlanta, GA |
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
|
|---|---|---|---|
| Bluefire | $171 | $2,049 | Atlanta, GA |
| Nationwide | $234 | $2,806 | Atlanta, GA |
| Embark General | $240 | $2,875 | Atlanta, GA |
| Travelers | $249 | $2,991 | Atlanta, GA |
| Allstate | $250 | $2,997 | Atlanta, GA |
| Progressive | $263 | $3,159 | Atlanta, GA |
| Metlife | $269 | $3,231 | Atlanta, GA |
| Mercury | $283 | $3,399 | Atlanta, GA |
| Gainsco | $285 | $3,414 | Atlanta, GA |
| Kemper | $308 | $3,691 | Atlanta, GA |
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 | $272 | $3,258 | Atlanta, GA |
| 65+ | $290 | $3,484 | Atlanta, GA |
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
|
|---|---|---|---|
| Embark General | $31 | $372 | Atlanta, GA |
| Nationwide | $79 | $953 | Atlanta, GA |
| Safeco | $89 | $1,062 | Atlanta, GA |
| Mercury | $134 | $1,608 | Atlanta, GA |
| Electric | $174 | $2,082 | Atlanta, GA |
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
|
|---|---|---|---|
| Travelers | $92 | $1,106 | Atlanta, GA |
| Nationwide | $139 | $1,663 | Atlanta, GA |
| Kemper | $192 | $2,308 | Atlanta, GA |
| Progressive | $220 | $2,641 | Atlanta, GA |
| Electric | $315 | $3,776 | Atlanta, GA |
| Mercury | $321 | $3,848 | Atlanta, GA |
| National General | $350 | $4,202 | Atlanta, GA |
| Safeco | $402 | $4,830 | Atlanta, GA |
| Assurance America | $412 | $4,941 | Atlanta, GA |
| The General | $588 | $7,051 | Atlanta, GA |
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
|
|---|---|---|
| $303 | $3,637 | Atlanta, GA |
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
|
|---|---|---|---|
| Anchor General | $130 | $1,560 | Atlanta, GA |
| Bluefire | $171 | $2,049 | Atlanta, GA |
| Commonwealth Insurance | $180 | $2,162 | Atlanta, GA |
| AAA | $195 | $2,336 | Atlanta, GA |
| Nationwide | $197 | $2,362 | Atlanta, GA |
| Kemper | $211 | $2,536 | Atlanta, GA |
| State Auto | $214 | $2,566 | Atlanta, GA |
| Progressive | $216 | $2,594 | Atlanta, GA |
| Travelers | $216 | $2,595 | Atlanta, GA |
| Mercury | $220 | $2,642 | Atlanta, GA |
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 | $388 | $4,655 | Atlanta, GA |
| 660-750 | $369 | $4,424 | Atlanta, GA |
| <550 | $399 | $4,791 | Atlanta, GA |
| 750+ | $252 | $3,023 | Atlanta, GA |
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
|
|---|---|---|---|---|
| Nationwide | <550 | $214 | $2,573 | Atlanta, GA |
| Infinity | <550 | $257 | $3,089 | Atlanta, GA |
| First Acceptance | <550 | $259 | $3,103 | Atlanta, GA |
| Clearcover | <550 | $270 | $3,239 | Atlanta, GA |
| Travelers | <550 | $271 | $3,251 | Atlanta, GA |
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 | $400 | $4,805 | Atlanta, GA |
| At Fault With No Injury | $395 | $4,737 | Atlanta, GA |
| Not At Fault | $339 | $4,068 | Atlanta, GA |
Cheapest policies for drivers with at-fault accidents with no injury in Atlanta
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Plymouth Rock | $113 | $1,353 | Atlanta, GA |
| Aspire Advantage | $162 | $1,946 | Atlanta, GA |
| AAA | $197 | $2,358 | Atlanta, GA |
| Commonwealth Insurance | $204 | $2,443 | Atlanta, GA |
| Kemper | $232 | $2,783 | Atlanta, GA |
Cheapest policies for drivers with at-fault accidents with injury in Atlanta
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Kemper | $200 | $2,402 | Atlanta, GA |
| Embark General | $209 | $2,508 | Atlanta, GA |
| Travelers | $246 | $2,956 | Atlanta, GA |
| Nationwide | $279 | $3,344 | Atlanta, GA |
| Allstate | $296 | $3,551 | Atlanta, GA |
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 | $423 | $5,078 | Atlanta, GA |
| Speeding under 15 | $363 | $4,351 | Atlanta, GA |
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
|
|---|---|---|---|
| Kemper | $186 | $2,234 | Atlanta, GA |
| Trexis | $192 | $2,300 | Atlanta, GA |
| AAA | $197 | $2,358 | Atlanta, GA |
| Nationwide | $210 | $2,516 | Atlanta, GA |
| Mercury | $263 | $3,159 | Atlanta, GA |
| State Auto | $274 | $3,288 | Atlanta, GA |
| Travelers | $280 | $3,358 | Atlanta, GA |
| Allstate | $283 | $3,392 | Atlanta, GA |
| First Acceptance | $283 | $3,401 | Atlanta, GA |
| Embark General | $286 | $3,435 | Atlanta, GA |
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 | $299 | $3,583 | Atlanta, GA |
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
|
|---|---|---|---|
| Infinity | $198 | $2,380 | Atlanta, GA |
| Progressive | $226 | $2,717 | Atlanta, GA |
| Electric | $284 | $3,411 | Atlanta, GA |
| Mercury | $288 | $3,459 | Atlanta, GA |
| Assurance America | $292 | $3,502 | Atlanta, GA |
| National General | $318 | $3,814 | Atlanta, GA |
| Safe Auto | $336 | $4,033 | Atlanta, GA |
| Bristol West | $463 | $5,562 | Atlanta, GA |
| Safeco | $616 | $7,389 | Atlanta, GA |
| The General | $794 | $9,533 | Atlanta, GA |
