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Best cheap car insurance in Atlanta for 2024

Updated May 01, 2024
Drivers in Atlanta seeking cheap auto insurance may want to request quotes from Auto-Owners, Mercury and Encompass.
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The best car insurance companies in Atlanta

Finding cheap car insurance in Georgia can be challenging, especially in recent years as insurers have increased their rates in the state. The average annual cost of a full coverage auto policy in Georgia is $2,578, 12 percent more than the national average. For Atlanta drivers, the risk factors of dense urban traffic and high healthcare costs compound the difficulty of accessing affordable rates — especially without sacrificing coverage or customer service.

To help Atlanta consumers make informed decisions about their auto insurance coverage, Bankrate’s editorial team analyzed average premium data from Quadrant Information Services along with third-party ranking and financial strength ratings to find the best car insurance in Atlanta.

Best for digital tools

Bankrate Score

Rating: 4.4 stars out of 5
4.4

Avg. min coverage premium

$894

Min. coverage

Avg. full coverage premium

$3,402

Full coverage

Why Geico made our list: Geico tied for a 2024 Bankrate Award for Best Auto Insurance Company Overall, thanks to its robust standard coverage options, below-average rates and generally positive customer satisfaction ratings from third parties like J.D. Power. Geico offers a strong slate of discounts and may be an affordable option for young drivers and others with high-risk profiles, but anyone seeking cheap auto insurance in Atlanta, GA may want to get a quote from Geico.

Why Geico may be best for digital tools: Geico is available nationwide and relies primarily on digital tools for shopping and policy management and ranked second nationwide in J.D. Power’s 2023 U.S. Insurance Digital Experience Study. Geico’s mobile app has an average rating of 4.8 stars in the Apple App Store and 4.6 stars in the Google Play Store. While Geico may not be the best fit for anyone who prefers to do business in person, digital natives and others who prefer to manage their insurance on their phone may want to get quotes from Geico.

Scores and Ratings
Bankrate Score 4.4
J.D. Power 828/1,000
AM Best score A++
Read full review
Plus Collapse
Best for policy customization

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. min coverage premium

$703

Min. coverage

Avg. full coverage premium

$2,129

Full coverage

Why Auto-Owners made our list: Auto-Owners tied with Geico for the 2024 Bankrate Award for Best Budget Auto Insurance Company. The carrier’s average rates are well below the national average, and policies are subject to a wide range of discounts, including discounts for green vehicles, favorable loss history and teen driver monitoring.

Why Auto-Owners may be best for policy customization: In addition to its robust slate of discounts and standard coverage options like liability and full coverage, Auto-Owners offers a number of add-ons to meet drivers’ unique insurance needs. Additional expense coverage for expenses incurred while your vehicle is unusable following an accident, rental auto gap and diminished value coverage are among the less-common endorsements offered by Auto-Owners.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 816/1,000
AM Best score A++
Read full review
Plus Collapse
Best for local agents

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. min coverage premium

$1,506

Min. coverage

Avg. full coverage premium

$4,155

Full coverage

Why State Farm made our list: Affordable rates, customer-focused business practice and best-in-class financial strength ratings may make State Farm a good choice for drivers in Atlanta. State Farm’s above-average customer experience and claims satisfaction rankings from J.D. Power put it above the competition for drivers seeking an insurance carrier that prioritizes customer service. State Farm’s Personal Price Plan is designed to create more personalized rates and help drivers avoid overpaying for coverage.

Why State Farm may be best for local agents: While you can get State Farm car insurance quotes online, State Farm also works with a wide network of insurance agents in Atlanta, GA. For shoppers who prefer to buy auto insurance from a local agent who understands the needs of drivers in the Atlanta area, State Farm may be a good choice compared to insurance companies that primarily do business online.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 847/1,000
AM Best score A++
Read full review
Plus Collapse
Best for usage-based insurance

Bankrate Score

Rating: 4 stars out of 5
4

Avg. min coverage premium

--

Min. coverage

Not available

Avg. full coverage premium

--

Full coverage

Not available

Why Nationwide made our list: Nationwide offers a wide range of coverage options, including standard car insurance, classic car coverage and usage-based insurance. Vanishing deductibles and accident forgiveness are also available. While Nationwide ranked below average in the Southeast region in J.D. Power’s 2023 U.S. Auto Insurance Study, it outpaced both Geico and Auto-Owners for customer satisfaction.

Why Nationwide may be best for usage-based insurance: Nationwide offers two usage-based insurance products: SmartRide, which tracks driving habits in exchange for an instant sign-up discount and a potential personalized discount of up to 40 percent; and SmartMiles, a pay-per-mile car insurance program that allows drivers to pay a mileage-based daily rate on top of a low monthly base rate. If you’re a safe driver or if you don’t drive often, you may want to consider usage-based insurance options from Nationwide.

Scores and Ratings
Bankrate Score 4
J.D. Power 834/1,000
AM Best score A+
Read full review
Plus Collapse
Best for ridesharing coverage

Bankrate Score

Rating: 3.8 stars out of 5
3.8

Avg. min coverage premium

$834

Min. coverage

Avg. full coverage premium

$2,360

Full coverage

Why Mercury made our list: Mercury is a smaller insurance company with relatively low average rates and a network of local agents in addition to strong digital tools. In addition to standard coverage options, Mercury offers some less common benefits, such as guaranteed repairs if you choose a Mercury authorized repair shop and mechanical protection plans as an alternative to an extended vehicle warranty.

Why Mercury may be best for ridesharing coverage: One of Mercury’s less-common coverage options is ridesharing insurance, which the company says costs as little as $0.90 per day for Mercury customers. This coverage offers financial protection during the period when the ridesharing app is in use but no customer has been accepted — a major gap for the insurance provided by ridesharing companies like Uber and Lyft. If you drive for one of these companies in Atlanta, you may want to consider getting a quote from Mercury.

Scores and Ratings
Bankrate Score 3.8
AM Best score A
Read full review
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Bankrate's trusted insurance industry expertise

Read our full methodology

In a rapidly-changing insurance industry, finding reliable, up-to-date information on car insurance rates in your area can be a challenge. Bankrate’s insurance editorial team, which includes licensed agents, uses data from Quadrant Information Services, the leading provider of premiums data for property and casualty insurance, to identify the best cheap carriers for drivers in your location. We understand the importance of finding affordable coverage and work to make complicated insurance information transparent and digestible for consumers.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The cheapest car insurance companies in Atlanta

To find Atlanta car insurance companies with the cheapest rates for most drivers, Bankrate’s editorial team analyzed the latest data from Quadrant Information Services. The cheapest Georgia car insurance companies for Atlanta drivers are Encompass, Auto-Owners and Country Financial. If price is your primary concern, you may want to get quotes from these companies and others listed in the table below.

Insurance company Average annual min coverage premium Average annual full coverage premium
$703
$2,129
$834
$2,360
$580
$2,457
$1,006
$2,540
$1,061
$2,743

How much is car insurance in Atlanta, Georgia?

The average cost of car insurance in Atlanta is $1,015 per year for state minimum car insurance and $2,881 per year for full coverage. That’s 25 percent more than the national average cost of car insurance and 12 percent more than the statewide average.

Atlanta rates for teens

Teen drivers in Atlanta pay elevated rates due to the high risk associated with young drivers, especially those with less than three years of driving experience. Atlanta car insurance for 16-year-old drivers on their parents’ policy is $2,598 per year for minimum coverage, while car insurance 18 year olds is $2,179. Staying on a parent’s policy can significantly reduce the cost of coverage for Atlanta teens.

Coverage type
Insurance company 16-year-old* 18-year-old*
$1,557
$1,326
$1,649
$1,435
$1,943
$1,551
$2,377
$2,112
$2,446
$2,073
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Insurance company 16-year-old* 18-year-old*
$4,006
$3,599
$5,556
$4,738
$5,930
$4,941
$5,993
$5,262
$6,029
$4,266
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Atlanta rates for young drivers

Young adults aged 20 to 30 years old typically pay lower rates than teens, but higher rates than adults in middle age. That’s because drivers in their 20s still lack long-term driving experience and have a statistically higher rate of accidents. However, rates begin to drop with age, especially as drivers reach age 25: a 25-year-old driver in Atlanta typically pays around $3,546 per year for a full coverage policy, 41 percent less than a 20-year-old with the same coverage.

Coverage type
Insurance company 20-year-old 25-year-old
$1,162
$580
$1,605
$1,102
$1,653
$1,074
$1,759
$1,139
$1,781
$1,094
Insurance company 20-year-old 25-year-old
$4,267
$3,018
$4,664
$2,592
$4,806
$3,048
$4,908
$3,686
$5,530
$3,590

Atlanta rates for adults

Adult drivers with clean driving records can typically expect to pay lower rates for car insurance. A 30-year-old driver with full coverage in Atlanta pays around 49 percent less than a 20-year-old driver and 13 percent more than a 50-year-old driver.

Coverage type
Insurance company 30-year-old 40-year-old 50-year-old
$580
$580
$498
$728
$703
$690
$868
$755
$688
$919
$894
$857
$943
$834
$813
Insurance company 30-year-old 40-year-old 50-year-old
$2,171
$2,129
$2,016
$2,457
$2,457
$2,006
$2,540
$2,540
$2,388
$2,771
$2,360
$2,223
$2,989
$2,743
$2,571

Atlanta rates for senior drivers

Drivers over age 55 generally pay lower rates for auto insurance than other drivers in Atlanta thanks to decades of driving experience. However, rates may begin to climb again after age 70 to account for slower reaction times and a higher risk of serious injury from car accidents. A 70-year-old driver in Atlanta can expect to pay an average of $2,898 per year for a full coverage policy — 11 percent more than a 60-year-old driver and 8 percent more than a 50-year-old driver.

Coverage type
Insurance company 60-year-old 70-year-old
$483
$433
$672
$767
$726
$935
$760
$959
$828
$929
Insurance company 60-year-old 70-year-old
$726
$2,481
$483
$1,809
$760
$2,514
$1,010
$2,577
$1,006
$3,015

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The cheapest car insurance in Atlanta by driving record

Your driving record is a major factor in determining your car insurance rates in Atlanta, as drivers with accidents or violations on their Georgia driving record carry a higher insurance risk. If you’re shopping for coverage with a history of violations, it’s important to look for companies offering the cheapest car insurance in Atlanta for drivers with higher risk profiles — but that information often isn’t readily apparent from company websites. You’ll want to request a quote based on your driving record for an accurate idea of how much you might pay.

Car insurance with a speeding ticket in Atlanta

A speeding ticket signals to insurance companies that a driver may engage in unsafe driving behaviors, thus increasing the risk of accidents and claims. On average, an Atlanta driver with a speeding ticket conviction pays 25 percent more for full coverage than drivers with a clean record. By comparison, drivers across the state of Georgia tend to pay 25 percent more for coverage after a speeding ticket.

Insurance company Average min coverage rate Average full coverage rate
$675
$2,814
$808
$2,377
$1,040
$3,635
$1,043
$3,908
$1,115
$2,863

Car insurance after an accident in Atlanta

At-fault accidents can raise the cost of your car insurance policy. In Atlanta, drivers who’ve been found at fault in a motor vehicle accident pay 45 percent more, on average, than drivers with clean records, compared to 45 percent more at the state level.

Insurance company Average min coverage rate Average full coverage rate
$765
$3,142
$1,125
$3,120
$1,137
$3,649
$1,240
$3,176
$1,245
$4,448

Car insurance after a DUI in Atlanta

Under Georgia state law, a DUI conviction carries penalties including fines up to $1,000, 40 hours of mandatory community service and up to one year of possible jail time. A conviction for driving under the influence of alcohol or drugs can also cause your car insurance premiums to increase significantly. An Atlanta driver with a DUI pays an average of $1,944 per year for state minimum coverage, 92 percent more than the citywide average for drivers with clean records. By comparison, the statewide average premium after a DUI conviction is 94 percent more than the average premium with a clean record.

Insurance company Average min coverage rate Average full coverage rate
$1,260
$3,423
$1,295
$4,152
$1,307
$3,389
$1,581
$4,193
$1,585
$4,662
Lightbulb

Minimum coverage requirements in Atlanta

According to Georgia law, all drivers in Atlanta are required to carry at least the following state minimum coverage:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Most insurance professionals recommend carrying more than the minimum liability coverage required by law, since a liability-only policy does not include direct physical damage coverage for your vehicle. If you’re not sure how much insurance you need, it may be helpful to speak to a licensed agent.

Driving without insurance in Georgia may soon carry new penalties, thanks to a bill introduced in the state legislature proposing the automatic issuance of fines for motorists found to be in violation of Georgia’s insurance laws.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Written by
R.E. Hawley
Senior Writer, Insurance

R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license in the state of New York.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute