Of the Peach State’s more than 10.5 million population, a majority of residents make their homes in Georgia’s most populous city — Atlanta. Car insurance rates in Atlanta are $1,013 per year on average for liability-only and $2,325 per year for full coverage. In Fulton County, where a large portion of Atlanta is nested, road safety has been a growing concern as there were more than 60,900 car accidents in 2016. The nearly 40% increase in road accidents from 2014, though numbers have since seen a reduction as of 2017, may be a reason for the city’s more expensive car insurance rates.
Drivers in the city may feel discouraged when looking for affordable coverage, but there are many great car insurance companies within Atlanta offering cheaper rates. Bankrate compared average quotes and trusted third-party ratings to help narrow down the best cheap auto insurance companies in Atlanta of 2021.
Best car insurance companies in Atlanta
We reviewed and picked the best car insurance companies writing policies in Atlanta based on average premiums and J.D. Power customer satisfaction scores. Financial strength ratings, coverage options and discounts were also considered in our final analysis to help highlight why each company is worthy of consideration.
|Insurance Company||J.D. Power Score
|Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|State Farm||835 / 1000||$657||$1,672|
|Auto-Owners||854 / 1000||$739||$1,853|
|USAA*||909 / 1000||$682||$1,641|
|Geico||851 857 / 1000||$720||$2,094|
|Allstate||846 / 10000||$879||$2,064|
*USAA is rank-ineligible by J.D. Power due to eligibility restrictions.
State Farm offers the lowest minimum coverage rates of the carriers surveyed, with Atlantans paying an average of $657 annually for. If you are looking for more coverage, full coverage averages $1,672 annually. In addition to low rates, State Farm offers a wide variety of policy options to fit your auto insurance needs, including car rental reimbursement, roadside assistance and rideshare coverage. If finding car insurance within your budget is a top priority, State Farm has a plentiful amount of discounts available, from multi-policy to safe driver and more.
State Farm’s financial strength is worth noting as well, with an A (Excellent) AM Best rating for claims payout. The strength continues with technology and the multiple tools available at your fingertips for policy management — via an insurance agent, website or app.
Auto-Owners operates in 26 states and Georgia is one them. Auto-Owners relies on a large network of over 48,000 agents for quotes, policy purchases and filing claims. Auto-Owners agents can provide exact quotes, but on average, Atlantans pay $739 per year for a liability-only policy and $1,853 for full coverage annually.
Auto-Owners is one of the highest-ranking providers for the 2020 J.D. Power Auto Insurance Study ranking in the Southeast and has superior financial rankings too with an A++ (Superior) rating from AM Best. Auto-Owners offers standard coverage choices, but has other unique options too, like roadside assistance, lease/own gap coverage and diminished value protection.
For active military members or veterans, USAA offers cheap auto insurance in Atlanta for those who meet the membership requirements. A minimum coverage policy averages $682 annually and full coverage averages $1,641 per year. USAA offers numerous discounts on top of the competitive rates, including good student and safe driver — even a length of service discount.
USAA is not officially ranked with the 2020 J.D. Power U.S. Auto Insurance Study, but did score the highest with 909 out of 1,000 points in the Southeast region. USAA has strong financial strength ratings with an A++ (Superior) AM Best Rating, reflecting its ability to make claim payouts.
Geico offers Atlantans numerous policy options, such as emergency roadside assistance, car rental reimbursement and a mechanical breakdown option (similar to an extended warranty). The discounts available are just as numerous, ranging from driver affiliations to defensive driving course savings. Atlantans pay an average of $720 per year for minimum coverage, but full coverage averages $2,094 in annual premiums.
Geico has strong financial ratings and assets, including an A++ (Superior) AM Best rating and assets of over $32 billion. Geico also performs well in the customer service area, with one of the highest rankings in the Southeast for the 2020 J.D. Power U.S. Auto Insurance Study. The wide range of tools for policy management includes a highly-rated app and the website for convenience.
Allstate offers multiple policy and coverage options to drivers in Atlanta and ranked within the top 10 insurers in the Southeast for customer satisfaction. Of Georgia’s total licensed drivers, more than 300,000 are age 19 and under and, fortunately, Allstate helps make car insurance for teen drivers as easy as possible. For instance, Allstate offers driving discounts for young drivers who successfully complete the teenSMART program, which is designed to decrease the risk of teen car accidents.
As Atlanta also has a strong music scene, drivers in the city may be pleasantly surprised by the option to add insurance for their sound systems through the company. Other features include options for umbrella policies, rental reimbursement and a host of discounts. AM Best gives Allstate an A+ (Superior) financial strength rating, meaning drivers may enjoy coverage that is both comprehensive and reliable.
Cheapest car insurance in Atlanta
Car insurance in Atlanta is considerably more expensive than average rates for the state of Georgia. Whereas Georgians pay an average of $756 per year for minimum coverage and $1,982 per year for full coverage, Atlantans pay anywhere from $257 and $343 more for coverage, respectively. Atlanta car insurance premiums are also more costly than national average rates which are $565 per year for minimum coverage and $1,674 per year for full coverage.
However, companies do offer competitive rates within the city. The following companies offer the cheapest car insurance in Atlanta.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Out of the providers listed, State Farm and USAA offer the lowest rates for minimum coverage. If you are an active-duty military member or a veteran able to take advantage of USAA’s affordable coverage, it may be a great option for you. However, if you do not meet those membership requirements, State Farm could also be a safe bet.
Nationwide offers the cheapest full coverage car insurance and even offers gap insurance. Geico, Auto-Owners and Nationwide also have several discounts that may be applied to your policy based on driving habits, customer loyalty and anti-theft equipment.
Atlanta insurance requirements
Car insurance is required in Georgia. Drivers in Atlanta must carry coverage that meets the state’s minimum 25/50/25 requirements:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 in property damage per accident
It’s important to note while the minimums are required, you should consider adding full coverage or additional coverage when necessary – even if it means higher premiums. For instance, the property damage liability requirement is $25,000 per accident, but if you are at-fault and cause damage to two or three cars, the damage might be greater than $25,000. You would be responsible for the difference, therefore a higher amount of coverage would be safer when it comes to protecting yourself.
Car insurance discounts in Atlanta
Living in the Atlanta area means you have access to a number of discounts to lower your premiums further. Although details vary from one carrier to another, including these discounts may allow you to obtain the best auto insurance in Atlanta while staying within your budget. Discounts include:
- Policy bundling: Many insurers offer discounts for bundling multiple policies, such as your home and auto.
- Safe driver: If you maintain an accident-free record for a certain number of years, your premiums could be lowered. Discounts that may fall under this category include accident-free, claims-free and good driver.
- Defensive driver classes: Your premiums may be reduced if you participate in a qualifying defensive driver course. Most carriers require a specific number of hours or program so double-check your course qualifies. For example, Georgia Farm Bureau uses the safedriver.com program.
- Good student: If you have good grades, you could be eligible for additional discounts.
Frequently asked questions
What is the best car insurance company?
There are many insurers that could qualify as the best car insurance company based on coverage options, customer satisfaction, ease of claims filing and more. It is up to you to decide which qualities of a company you value most. When researching car insurance, it may help to keep a list of your car insurance needs and compare quotes from multiple providers based on your criteria.
How much does car insurance in Atlanta cost?
Car insurance in Atlanta costs $1,013 per year on average for minimum coverage and $2,325 per year for full coverage. Your premium may be more or less than the city average depending on a variety of factors, such as your age, driving record and ZIP code. You can usually compare quotes easily by submitting your information on provider websites. For the most accurate quotes possible, keep your personal details and coverage selections consistent across your quote submissions.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.