Cheapest Car Insurance Quotes in Alpharetta

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Alpharetta Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alpharetta

The car insurance rate in Alpharetta is $1129 for a six-month policy, which is $103 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $411, making it a popular choice for budget-conscious drivers. Rates in Alpharetta can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alpharetta

$1129

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Alpharetta

1st place: Country Financial

At $411 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $542 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $725 for six months, making it the third cheapest auto insurance company in Alpharetta.

Alpharetta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alpharetta, GA is Country Financial, offering policies at just $411 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $542.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1581 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alpharetta drivers find the best deals.

Cheap Car Insurance Companies in Alpharetta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$411	$70
Auto-Owners Insurance Co	$542	$90
Farm Bureau	$725	$123
Georgia Farm Bureau	$798	$133
Auto-Owners	$1163	$196
USAA	$1202	$202
Progressive	$1418	$239
Mercury	$1464	$244
Allstate	$1542	$260
Esurance P&C Ins Co	$1575	$263
State Farm	$1581	$266

Key Takeaways

Way's key takeaways about car insurance in Alpharetta

The auto insurance costs in Alpharetta fall around $411 for six months.
The cheapest auto insurance company in Alpharetta is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Alpharetta at $1353 per month.

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Cheapest Minimum Liability Car Insurance in Alpharetta

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alpharetta are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Alpharetta. Their Average 6 Month Premium is $242. Allstate is the most expensive at $829 for the same period.

Cheapest Liability Coverage in Alpharetta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$41
Farm Bureau	$307	$52
Georgia Farm Bureau	$327	$55
Auto-Owners	$392	$66
Mercury	$392	$66
Country Financial	$418	$70
USAA	$438	$74
Progressive	$484	$81
Central Insurance	$509	$85
State Farm	$751	$127
Allstate	$829	$140

Cheapest Full Coverage Car Insurance in Alpharetta

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alpharetta is Country Financial at $70 per month and $411 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alpharetta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$411	$70
Auto-Owners Insurance Co	$542	$90
Farm Bureau	$725	$123
Georgia Farm Bureau	$798	$133
Auto-Owners	$1163	$196
USAA	$1202	$202
Progressive	$1418	$239
Mercury	$1464	$244
Allstate	$1542	$260
Esurance P&C Ins Co	$1575	$263
State Farm	$1581	$266

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Average Car Insurance in Alpharetta by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alpharetta, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Alpharetta, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alpharetta's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alpharetta

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$781
30s	Georgia Farm Bureau	$625
40s	Georgia Farm Bureau	$600
50s	Georgia Farm Bureau	$574
60s	Georgia Farm Bureau	$570
70s	Georgia Farm Bureau	$690

Cheapest Car Insurance Rates for Teen Drivers in Alpharetta,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Alpharetta at $57 per month. At $8037 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$347	$57
Mercury	$411	$70
Country Financial	$491	$83
Central Insurance	$509	$87
USAA	$1934	$326
Auto-Owners	$2124	$358
Georgia Farm Bureau	$2215	$370
Farm Bureau	$2313	$394
State Farm	$5730	$965
Allstate	$5763	$970
Progressive	$8037	$1353

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Alpharetta.

As young drivers face the highest rates in Alpharetta, Georgia Farm Bureau offers the cheapest auto insurance rates at $781 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alpharetta, Country Financial is the cheapest car insurance provider. At $340 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alpharetta is State Farm, offering rates of around $4934 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$340	$56
Mercury	$398	$68
Farm Bureau	$725	$121
USAA	$1575	$267
Progressive	$2431	$405
Auto-Owners	$2555	$435
Allstate	$2783	$464
State Farm	$4934	$839

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Alpharetta.

Car Insurance Rates with An Accident in Alpharetta

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alpharetta, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alpharetta

The cheapest car insurance companies after an at-fault accident in Alpharetta include AutoOwners Insurance Co and Country Financial, offering $360 and $556, respectively. Allstate is an expensive provider with an average six-month premium of $2365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$59
Country Financial	$556	$94
Encompass	$614	$102
Central Insurance	$673	$114
Farm Bureau	$798	$133
Georgia Farm Bureau	$980	$167
Auto-Owners	$993	$167
USAA	$1065	$179
Progressive	$1967	$331
State Farm	$1993	$336
Allstate	$2365	$398

Alpharetta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alpharetta GA. For example, the car insurance in Alpharetta after a DUI increases to $1189 for a six month policy. While the rate increases by $373 for a six-month policy in the case of a speeding ticket.

Alpharetta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1398	$233
One Med/PIP claim	$1398	$238
One comp claim	$1405	$234
Two Med/PIP claims	$1405	$239
Not-at-fault accident	$1411	$235
Two comp claims	$1431	$243
Driving without lights	$1686	$281
Failure to wear a seat belt	$1686	$287
Child safety restraint	$1705	$284
Failure to show documents	$1705	$290
Cell phone violation	$1745	$290
Texting while driving	$1745	$297
Driving too slowly	$1771	$295
Speeding 6 - 10 MPH over limit	$1771	$301
Speeding in school zone	$1771	$295
Speeding 11 - 15 MPH over limit	$1778	$303
Driving with expired registration	$1784	$297
Failure to yield	$1784	$304
Following too closely	$1784	$297
Illegal turn	$1784	$304
Failure to stop at a red light	$1791	$298
Improper passing	$1791	$305
Speeding 16 - 20 MPH over limit	$1791	$298
Wrong way/wrong lane	$1791	$305
Speeding 21 - 25 MPH over limit	$1810	$301
Passing school bus	$1843	$314
In 65 MPH zone	$1849	$308
Open container	$1876	$319
At-fault accident - less than $1000	$1882	$314
Operating a vehicle without permission	$1907	$325
At-fault accident - $1000-$2000	$2052	$342
At-fault accident - greater than $2000	$2065	$351
Refusal to submit to a chemical test	$2418	$403
Reckless driving	$2489	$424
Racing	$2549	$425
Driving with a suspended license	$2555	$435
DUI	$2587	$431
Leaving scene of an accident/hit and run	$2653	$451

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alpharetta after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alpharetta.

The cheapest car insurance premiums in Alpharetta are offered by Mercury at $418 for a six-month policy. However, it can be as expensive as $1882 with companies like Progressive.

Alpharetta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$418	$72
Auto-Owners Insurance Co	$542	$90
Country Financial	$589	$99
Esurance P&C Ins Co	$811	$135
Auto-Owners	$1294	$218
Farm Bureau	$1405	$234
USAA	$1522	$256
Georgia Farm Bureau	$1575	$263
State Farm	$1705	$287
Allstate	$1803	$304
Progressive	$1882	$317

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alpharetta are offered by AutoOwners Insurance Co at $281. However, it can be as expensive as $2136 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Alpharetta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$47
Country Financial	$307	$52
Mercury	$438	$75
Farm Bureau	$798	$133
Auto-Owners	$974	$165
USAA	$1058	$176
State Farm	$1385	$235
Allstate	$1882	$314
Progressive	$2136	$363

Car Insurance Price Trends in Alpharetta, Georgia

Car insurance rates in Alpharetta have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alpharetta rose by $248 in December compared to $243 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Alpharetta rose to $79 in December, compared to $75 in November. This represents an increase of $4 when comparing December and November.

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Average Car Insurance Cost in Alpharetta by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Alpharetta. At $1512 for a six-month policy, insuring your car at 30004 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
30004	$1512	$253
30022	$1534	$257
30009	$1230	$206
30005	$1354	$227

Frequently Asked Questions

How much is car insurance in Alpharetta?

The car insurance in Alpharetta is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Alpharetta?

The cheapest car insurance in Alpharetta is $70 per month for full coverage.

How much is car insurance in Alpharetta for teenagers?

Car insurance for teenagers costs $347 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alpharetta?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $189 per month to insure your car in Alpharetta.

Is car insurance expensive in Alpharetta?

Car insurance can be expensive in Alpharetta if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alpharetta can be affordable.

Cheapest Car Insurance Quotes in Alpharetta

Why you can trust Way?

How Much Is Car Insurance in Alpharetta

Avg. Car Insurance in Alpharetta

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Alpharetta

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Alpharetta Car Insurance Rates by Company

Cheap Car Insurance Companies in Alpharetta, GA

Way's key takeaways about car insurance in Alpharetta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Alpharetta

Cheapest Liability Coverage in Alpharetta, GA

Cheapest Full Coverage Car Insurance in Alpharetta

Cheapest Full Coverage Car Insurance Quotes in Alpharetta, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Alpharetta by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Alpharetta, GA increasing?

Car Insurance Premiums by Age in Alpharetta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Alpharetta,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Alpharetta.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Alpharetta

Cheapest Car Insurance Companies after an At-Fault Accident in Alpharetta

Alpharetta Car Insurance Rates by Violation

Alpharetta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Alpharetta after a DUI

Alpharetta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Alpharetta after Speeding ticket

Car Insurance Price Trends in Alpharetta, Georgia

Average Car Insurance Cost in Alpharetta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Alpharetta, GA

Car Insurance Rates by State in the USA (2025 Update)

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