No one car insurance company offers the best coverage for every motorist. Drivers have a variety of profiles, meaning car insurance quotes come at a variety of prices. That’s why Jerry conducted one of the largest insurance shopping surveys in the nation to learn more about different providers, and which ones best served drivers in the city.

In Atlanta, drivers often choose GEICO or State Farm as their car insurance provider, but other popular companies include Travelers, State Auto, and Progressive.

Getting quotes from several insurance companies will help you understand the differences in pricing among them, and will give you a great starting point to find the perfect Atlanta car insurance policy.

Below, you’ll see a table explaining how drivers rated different popular insurance providers in Atlanta on a scale of 0 to 5.

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Cost rating	Overall Jerry rating
Travelers	$50	$178	4.2	4.5
State Auto	$61	$202	4.3	4.4
Nationwide	$86	$177	4.0	4.2
Progressive	$104	$207	3.8	4.2
Clearcover	$112	$248	N/A	4.6

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheapest car insurance quotes in Atlanta

The average driver in Atlanta, Georgia can expect to pay about $159 per month for minimum coverage liability insurance and about $326 per month for full coverage, meaning that Atlanta drivers pay about 35% more than the average Georgia driver.

Coverage type	Atlanta, GA	Georgia	United States
State minimum	$159	$104	$77
Full coverage	$326	$213	$165

However, car insurance prices vary from one person to the next, and there’s no one car insurance company in Georgia that provides the best rates every time. Providers use different algorithms to calculate your premiums, so your driver profile, vehicle, credit score, and ZIP code can have an impact on your rates.

The best way to find the most affordable insurance rates in Atlanta is to shop around and compare quotes from multiple providers. Fortunately, this process is simple with

Jerry

, where we draw from a pool of top providers to help you find the most affordable

car insurance

coverage in minutes.

Compare car insurance quotes now

Best cheap car insurance quotes in Atlanta

Georgia car insurance laws

mandate that all drivers in Atlanta carry minimum liability car insurance. Liability insurance finances the costs of medical treatment, repairs, and replacements if you cause bodily harm to another person or damage another person’s property while driving.

This type of coverage is a great place to start, but it isn’t enough for most drivers. Our insurance agents recommend carrying at least 100k/300k/100k liability insurance and full coverage.

Cheap minimum liability insurance quotes in Atlanta

Georgia state law mandates that all drivers hold at least 25/50/25 minimum liability coverage1:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$25,000 of

property damage liability

coverage per accident

You’ll find that insurance rates are lowest when you stick with state minimum liability coverage.

Insurance company	Monthly minimum coverage cost
Travelers	$50
State Auto	$61
Nationwide	$86

Do you need more than minimum coverage in Atlanta?

Adding more coverage than the 25/50/25 state minimum is generally a good idea.

After an at-fault accident you’re financially responsible for any accident-related expenses that aren’t covered by your insurance. That includes vehicle repair and replacement costs, which could exceed $40,000, not to mention medical bills for the other driver.

On top of all that,

Georgia’s car accident laws

allow injured parties to sue for a variety of damages up to two years after a collision. That means that you could be required to pay for expenses even years after your accident date.

We recommend 50/100/50 liability coverage, or (even better) 100/300/100 liability coverage limits for improved financial protection.

Josh Damico

VP Insurance Operations, 18+ Years Experience in Insurance

A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Atlanta

Georgia laws don’t require drivers to carry

full coverage car insurance

, but it’s still a good idea to look into it.

Full coverage insurance includes two types of coverage:

Collision coverage

pays to repair or replace your vehicle after an accident.

Comprehensive coverage

pays to repair or replace your vehicle after non-collision damages, like vandalism, theft, or a natural disaster.

If you loan or lease your vehicle, most lenders require you to carry collision and comprehensive coverage. However, even if you own your vehicle, these financial protections can be helpful.

If you’re not sure where to start, Jerry helps drivers find the best rates for full coverage car insurance in Atlanta.

Insurance company	Monthly full coverage cost
AAA	$176
Nationwide	$177
Travelers	$178

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Atlanta

On average, we’ve found that it costs $159 per month, or $1,908 per year, for minimum coverage liability insurance. Full coverage in the city costs an average of $326 per month, or $3,912 per year.

Georgia insurance rates rose significantly in 2023, and there are a few reasons why.2

High vehicle repair costs: Georgia residents spend more on vehicle repairs than the average person, and prices have only increased.3

High healthcare costs: In Georgia, many residents struggle to afford healthcare as the cost of care increases. When insurance companies take on the risk of paying expensive medical bills, they charge higher rates.4

Dangerous roads: Recent studies found that many of the most dangerous roads in Georgia can be found in Atlanta, including stretches of Highway 85, I-285, and I-20.56 These dangerous areas combined with Atlanta’s high population make the area a higher risk for insurance providers.

Car accident data: In Georgia, the number of car accident fatalities between 2012 to 2021 increased by nearly 51%. As the likelihood of a severe accident increases, so do your insurance rates.7

Severe weather events: In recent years, the frequency of severe weather in Atlanta has only increased—meaning a greater risk to your vehicle, and higher premiums as a result.8

More frequent car thefts: Georgia ranks in the top 10 states for vehicle theft.9 In Atlanta specifically, it’s estimated that an average of 160 cars are stolen each month.10 Insurers will increase your rates to offset the risk of theft.

Remember that car insurance rates are highly individualized. While knowing your city’s average insurance rates is helpful to establish a baseline, the only way to know how much you’ll pay for your insurance is to shop around for quotes. If you shop for the best rates, you may find that your monthly premiums are lower than the city-wide average!

Average cost of car insurance in Atlanta by ZIP code

Car insurance rates can change based on your ZIP code.

Neighborhoods with more traffic, high crime rates, or frequent car accidents are labeled “high-risk” by insurance companies and see steeper rates. In Atlanta, central neighborhoods are often labeled the highest risk.11

Cheapest ZIPs	Monthly minimum coverage cost
30326	$121
30338	$126

Now have a look at how much rates can change in different ZIP codes.

Most expensive ZIPs	Monthly minimum coverage cost
30311	$229
30313	$240

Compare car insurance costs in other states

South Carolina car insurance

Alabama car insurance

Tennessee car insurance

Florida car insurance

North Carolina car insurance

Mississippi car insurance

Kentucky car insurance

Virginia car insurance

Car insurance quotes in Atlanta by rating factors

In Atlanta, there are a few factors that influence

how insurers calculate your car insurance premiums

Your driving record and claims history: Any car accidents or tickets on your record will cause your insurance premiums to increase.

Your age: Drivers under 25 and over 75 will see higher insurance rates than other age groups.

Your parking spot: If you park your car in a high-risk area (i.e., an area with high theft or accident rates), you’ll typically pay more for your insurance.

Your vehicle: Luxury, sport, and high-performance vehicles cost more to insure.

Your credit score: If you have a poor credit score, your insurance rates could be significantly higher.

How do different factors impact your car insurance costs in Atlanta?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.

Prohibited (or effectively prohibited): Education, occupation, employment status.

Learn more about the car insurance rating factors in Atlanta:

Cheap car insurance quotes in Atlanta after driving violations

Any points or violations on your

Georgia driving record

can result in higher rates. The more violations you have on your record, the more you can expect to pay for coverage.

Cheapest car insurance in Atlanta after speeding ticket

speeding ticket

results in a fine of anywhere between $25 to $5001213, but it will impact your insurance rates, too. In Georgia, drivers could see a rate increase up to 15% after a speeding ticket charge, and charges in Atlanta aren’t far off.

Violation	Monthly coverage cost	Rate increase (%)
Speeding	$303	25%

Cheapest car insurance in Atlanta after DUI

DUI charge in Georgia

not only comes with the potential for license suspension or jail time, most insurance providers will consider you a high-risk driver and charge more for coverage.

Violation	Monthly coverage cost	Rate increase (%)
DUI	$506	109%

Cheapest car insurance in Atlanta after an at-fault accident

An at-fault accident can cause your insurance rates to skyrocket. Providers use your driving record to estimate how many claims you might make, so any accidents on your record can result in significant increases.

Driving record	Monthly coverage cost	Rate increase (%)
At-fault accident	$269	11%

Cheapest car insurance in Atlanta after other driving violations

Other types of driving violations, like stunt driving or

reckless driving

, can raise insurance prices. Have a look at how much certain violations can impact your coverage rates.

Violation	Monthly coverage cost	Rate increase (%)
Driving with suspended license	$288	19%
Failure to obey signal	$325	34%
Failure to yield	$387	60%
Open container	$413	71%

Cheap car insurance quotes in Atlanta by age

Your age has an impact on car insurance. Teenagers and seniors in particular see higher rates than other age groups.

Cheapest car insurance in Atlanta for young drivers

Drivers aged 16 to 19 see the highest car insurance rates of any age group due to their lack of experience on the road, and the increased likelihood of an accident.

For

teen drivers

in Atlanta, it often makes the most financial sense to stay on their parent or guardian’s insurance policy for as long as possible.

Age	Monthly minimum coverage cost	Monthly full coverage cost
<18	$486	$995
18-21	$359	$661

Cheapest car insurance in Atlanta for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.

Age	Monthly minimum coverage cost	Monthly full coverage cost
22-25	$274	$394
26-34	$186	$280
35-44	$162	$252
45-54	$160	$235

While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Atlanta for senior drivers

Older drivers see costlier insurance rates as well. An increased risk of accidents, a higher likelihood of sustaining severe injuries in a crash, and a decline in reaction time all contribute to senior car insurance rates.

To help you save on cost,

some car insurance companies for seniors

offer discounts for safe driving, reduced vehicle usage, and telematics programs.

Age	Monthly minimum coverage cost	Monthly full coverage cost
55-64	$152	$222
65+	$167	$224

Cheap car insurance quotes in Atlanta based on insurance history

lapse in your insurance coverage

can impact the cost of your coverage. Insurance providers consider lapses or uninsured motorists red flags, meaning if you have those violations on your record, expect to pay more.

Insurance history	Monthly coverage cost	Rate increase (%)
With coverage lapses	$303	25%

Finding cheap car insurance in Atlanta: Hear from real drivers

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I found great ratings & savings from Jerry's app. Liberty Mutual customer service is amazing. Their patience was unbelievable and even took the time to find great savings. I never experienced remarkable service from previous carriers. Thanks!

Angela, Atlanta, Georgia

The app is incredible, so streamlined, they’ve made it so easy to navigate to exactly what you are looking for! It’s also so easy to get support, they’re not hiding like most companies do nowadays!

Carson, Atlanta, Georgia

I went from paying $340 for one car outside of the city of Atlanta to paying $120 through Progressive. I love this amount! I would definitely recommend using Jerry to get insurance as well. All their recommendations were better then going straight through the insurance companies instead.

Deanna, Atlanta, Georgia

Cheap car insurance quotes in Atlanta for drivers with poor credit

Many insurance companies also factor in your credit score. Even safe drivers will see a hike in their rates if their credit score is 550 or lower.14

Compared to those with excellent scores, motorists in Georgia with poor credit can see upwards of a 96% increase in their premium.

Credit score	Monthly coverage cost
< 600	$178
601-699	$146
700+	$101

Cheap car insurance quotes in Atlanta for popular cars

The type of car you drive can have a big impact on your rates. Newer vehicles, or those with high safety ratings, make your car safer and therefore cheaper to insure.

Some of the most popular vehicles in Atlanta with high scores in these categories include:

Pending on the safety features, and what model you have, insurance rates can fluctuate.

Vehicle type	Monthly minimum coverage cost
Toyota Tacoma	$142
Toyota RAV 4	$162
Ford F-150	$190
RAM 1500	$233
Chevrolet Silverado	$317

How different kinds of cars affect your car insurance rates

How to lower car insurance costs in Atlanta

1. Shop around and compare quotes

Comparing quotes from several companies is the only way to get the best rates for your needs. Most experts recommend shopping for quotes every six months.

This might feel daunting, but Jerry finds quotes for you from a pool of top insurance companies, so you’ll only need a few minutes to check out your options.

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

Most insurance companies offer

discounts

for a variety of things. Some common ones include:

Good student discounts: If you’re a full-time student, your provider might offer a discount if you maintain a B average or better.

Good driver discounts: Drivers who have a

clean driving record

for at least three consecutive years often qualify for savings.

Telematics discounts: Many insurers offer discounts if you’re willing to use a telematics device to track when, how far, and how well you drive. Some insurers will even offer discounts for the simple act of signing up for this service!

Bundling discounts: If you

bundle your home and auto insurance

(or your auto and renters insurance) with the same company, you might be eligible for a discount.

3. Increase your deductible for comprehensive and collision coverage

As you raise your deductible for your full coverage car insurance, your monthly rates will decrease. Just remember that you’re responsible for paying your deductible out-of-pocket after an accident, so you should never raise it higher than you can afford.

MORE:

How to choose a car insurance deductible

FAQ

Who has the cheapest car insurance in GA?

Our research found that Travelers, Nationwide, and Progressive were some of the top-rated companies among drivers in GA. But it’s important to keep in mind that no one company offers the cheapest car insurance to everyone. Insurance providers use different algorithms to calculate your rates, and every motorist has a unique profile that impacts their coverage.

The best way to find your policy is to compare quotes from at least three insurance providers so you can find the most affordable option.

Is car insurance required in Atlanta?

Yes, the state of Georgia mandates that drivers carry at least 25/5025 minimum liability coverage. This means you’ll need at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.

Why is Georgia auto insurance so expensive?

High vehicle repair costs, rising healthcare rates, and a greater likelihood of car crashes and vehicle theft all contribute to Georgia’s car insurance rates. You can combat these high rates by shopping for quotes from several providers to find the most affordable policy for you

Sources

https://oci.georgia.gov/insurance-resources/auto

https://www.wsbtv.com/news/local/atlanta/georgia-car-insurance-prices-rose-more-than-30-other-states-2023-study-says/GQP2BQD4FBD73PDLKQ4RJBNLTY/

https://metroatlantaceo.com/news/2022/03/georgia-residents-spend-more-average-vehicle-costs/?utm_source=metroatlantaceo&utm_medium=rss&utm_campaign=rss

https://www.healthcarevaluehub.org/advocate-resources/publications/georgia-residents-struggle-afford-high-healthcare-costs-covid-fears-add-support-range-government-solutions-across-party-lines

https://www.fox5atlanta.com/news/study-finds-georgias-most-dangerous-roads-are-in-metro-atlanta

https://www.spauldinginjurylaw.com/blog/dangerous-highways-georgia/

https://www.gahighwaysafety.org/traffic-data/

https://www.weather.gov/ffc/svrclimo

https://valdostatoday.com/news-2/region/2023/04/georgia-ranks-among-top-10-for-highest-vehicle-theft-rates/

https://www.atlantanewsfirst.com/2023/04/05/georgia-ranks-top-10-nation-car-thefts/

https://crimegrade.org/vehicle-theft-atlanta-ga/

https://www.peachstatelawyer.com/speeding-laws-in-georgia/

https://kaufmanlawatlanta.com/what-happens-when-you-get-your-first-speeding-ticket/

https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists

Meet our experts

Liz Jenson

Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.

Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.