Cheapest Car Insurance Quotes in Atlanta

Finding the cheapest car insurance quotes in Atlanta shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Atlanta Car Insurance

^$ 51

/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 Atlanta

The car insurance rate in Atlanta is $1453 for a six-month policy, which is $400 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, making it a popular choice for budget-conscious drivers. Rates in Atlanta 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 Atlanta

$1453

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Atlanta

1st place: Country Financial

At $516 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 $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1000 for six months, making it the third cheapest auto insurance company in Atlanta.

Atlanta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Atlanta, GA is Country Financial, offering policies at just $516 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $680.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atlanta drivers find the best deals.

Cheap Car Insurance Companies in Atlanta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$516	$86
Auto-Owners Insurance Co	$680	$116
Georgia Farm Bureau	$1000	$167
Farm Bureau	$1098	$186
Auto-Owners	$1541	$259
USAA	$1541	$259
Progressive	$1590	$268
Mercury	$1837	$312
Allstate	$1877	$316
Esurance P&C Ins Co	$1976	$335
State Farm	$2336	$393

Key Takeaways

Way's key takeaways about car insurance in Atlanta

The auto insurance costs in Atlanta fall around $516 for six months.
The cheapest auto insurance company in Atlanta is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Atlanta at $1401 per month.

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Cheapest Minimum Liability Car Insurance in Atlanta

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 Atlanta are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Atlanta. Their Average 6 Month Premium is $304. State Farm is the most expensive at $1074 for the same period.

Cheapest Liability Coverage in Atlanta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$304	$51
Georgia Farm Bureau	$410	$69
Farm Bureau	$451	$77
Mercury	$491	$83
Auto-Owners	$508	$86
Country Financial	$524	$88
USAA	$566	$95
Progressive	$574	$97
Central Insurance	$639	$109
Allstate	$926	$155
State Farm	$1074	$181

Cheapest Full Coverage Car Insurance in Atlanta

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 Atlanta is Country Financial at $86 per month and $516 for six months.

Cheapest Full Coverage Car Insurance Quotes in Atlanta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$516	$86
Auto-Owners Insurance Co	$680	$116
Georgia Farm Bureau	$1000	$167
Farm Bureau	$1098	$186
Auto-Owners	$1541	$259
USAA	$1541	$259
Progressive	$1590	$268
Mercury	$1837	$312
Allstate	$1877	$316
Esurance P&C Ins Co	$1976	$335
State Farm	$2336	$393

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Average Car Insurance in Atlanta 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 Atlanta, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Atlanta, 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, Atlanta's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Atlanta

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

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Cheapest Car Insurance Rates for Teen Drivers in Atlanta,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 Atlanta at $72 per month. At $8320 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$435	$72
Mercury	$516	$88
Country Financial	$615	$103
Central Insurance	$639	$109
USAA	$2549	$429
Georgia Farm Bureau	$2779	$472
Auto-Owners	$2950	$497
Farm Bureau	$3533	$600
Allstate	$6525	$1087
Progressive	$8320	$1401
State Farm	$8320	$1401

Teen Car Insurance Rates in GA by Age

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 Atlanta, Country Financial is the cheapest car insurance provider. At $426 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 Atlanta is Allstate, offering rates of around $3491 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$426	$70
Mercury	$500	$86
Farm Bureau	$1098	$184
Progressive	$2082	$355
USAA	$2222	$370
Auto-Owners	$4049	$689
State Farm	$8936	$1489
Allstate	$3491	$582

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Car Insurance Rates with An Accident in Atlanta

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 Atlanta, GA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Atlanta include AutoOwners Insurance Co and Country Financial, offering $451 and $697, respectively. State Farm is an expensive provider with an average six-month premium of $2861.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$451	$75
Country Financial	$697	$117
Encompass	$770	$128
Central Insurance	$845	$144
Farm Bureau	$1205	$201
Georgia Farm Bureau	$1230	$210
Auto-Owners	$1361	$229
USAA	$1386	$233
Progressive	$1976	$333
Allstate	$2615	$444
State Farm	$2861	$482

Atlanta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Atlanta GA. For example, the car insurance in Atlanta after a DUI increases to $1492 for a six month policy. While the rate increases by $468 for a six-month policy in the case of a speeding ticket.

Atlanta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1754	$293
One Med/PIP claim	$1754	$298
One comp claim	$1762	$294
Two Med/PIP claims	$1762	$299
Not-at-fault accident	$1771	$295
Two comp claims	$1795	$305
Driving without lights	$2116	$352
Failure to wear a seat belt	$2116	$360
Child safety restraint	$2139	$356
Failure to show documents	$2139	$364
Cell phone violation	$2189	$364
Texting while driving	$2189	$373
Driving too slowly	$2222	$370
Speeding 6 - 10 MPH over limit	$2222	$378
Speeding in school zone	$2222	$370
Speeding 11 - 15 MPH over limit	$2230	$379
Driving with expired registration	$2238	$373
Failure to yield	$2238	$381
Following too closely	$2238	$373
Illegal turn	$2238	$381
Failure to stop at a red light	$2247	$374
Improper passing	$2247	$382
Speeding 16 - 20 MPH over limit	$2247	$374
Wrong way/wrong lane	$2247	$382
Speeding 21 - 25 MPH over limit	$2270	$378
Passing school bus	$2312	$393
In 65 MPH zone	$2320	$386
Open container	$2353	$400
At-fault accident - less than $1000	$2361	$393
Operating a vehicle without permission	$2393	$407
At-fault accident - $1000-$2000	$2574	$429
At-fault accident - greater than $2000	$2590	$440
Refusal to submit to a chemical test	$3033	$505
Reckless driving	$3123	$531
Racing	$3197	$533
Driving with a suspended license	$3206	$545
DUI	$3246	$541
Leaving scene of an accident/hit and run	$3329	$566

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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 Atlanta 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 Atlanta.

The cheapest car insurance premiums in Atlanta are offered by Mercury at $524 for a six-month policy. However, it can be as expensive as $2657 with companies like State Farm.

Atlanta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$524	$90
Auto-Owners Insurance Co	$680	$113
Country Financial	$738	$124
Esurance P&C Ins Co	$1017	$170
Allstate	$1673	$284
Auto-Owners	$1828	$308
Georgia Farm Bureau	$1976	$335
Progressive	$1983	$334
USAA	$2016	$339
Farm Bureau	$2139	$356
State Farm	$2657	$447

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 Atlanta are offered by AutoOwners Insurance Co at $352. However, it can be as expensive as $2361 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Atlanta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$352	$59
Country Financial	$385	$65
Mercury	$549	$91
Farm Bureau	$1205	$204
USAA	$1517	$253
Auto-Owners	$1558	$265
Progressive	$1639	$273
State Farm	$2509	$426
Allstate	$2361	$393

Car Insurance Price Trends in Atlanta, Georgia

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

The average cost of full coverage in the Atlanta dipped by $295 in January compared to $311 of December. In other words, there has been an decrease by $16 when you compare January and December.

The average cost of liability insurance in the Atlanta dipped to $98 in January, compared to $99 in December. This represents an decrease of $1 when comparing January and December.

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Average Car Insurance Cost in Atlanta 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 Atlanta. At $1496 for a six-month policy, insuring your car at 30342 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
30342	$1496	$251
30345	$1482	$249
30322	$1453	$244
30344	$1496	$251
30360	$1467	$246
30363	$1453	$244
30341	$1496	$251
30340	$1482	$249
30307	$1482	$249
30329	$1482	$249
30328	$1496	$251
30306	$1482	$249
30309	$1482	$249
30308	$1467	$246
30303	$1453	$244
30346	$1453	$244
30324	$1482	$249
30327	$1482	$249
30349	$1554	$261
30305	$1482	$249
30326	$1453	$244
30310	$1482	$249
30332	$1453	$244
30354	$1467	$246
30331	$1540	$258
30312	$1482	$249
30311	$1496	$251
30350	$1496	$251
30318	$1525	$256
30317	$1467	$246
30339	$1482	$249
30319	$1511	$254
30314	$1482	$249
30336	$1453	$244
30313	$1467	$246
30316	$1496	$251
30338	$1496	$251
30315	$1496	$251
30337	$1467	$246

Frequently Asked Questions

How much is car insurance in Atlanta?

The car insurance in Atlanta is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Atlanta?

The cheapest car insurance in Atlanta is $86 per month for full coverage.

How much is car insurance in Atlanta for teenagers?

Car insurance for teenagers costs $435 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 Atlanta?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $244 per month to insure your car in Atlanta.

Is car insurance expensive in Atlanta?

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

Cheapest Car Insurance Quotes in Atlanta

Why you can trust Way?

How Much Is Car Insurance in Atlanta

Avg. Car Insurance in Atlanta

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Atlanta

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Atlanta Car Insurance Rates by Company

Cheap Car Insurance Companies in Atlanta, GA

Way's key takeaways about car insurance in Atlanta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Atlanta

Cheapest Liability Coverage in Atlanta, GA

Cheapest Full Coverage Car Insurance in Atlanta

Cheapest Full Coverage Car Insurance Quotes in Atlanta, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Atlanta by Rating Factor

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

Car Insurance Premiums by Age in Atlanta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Atlanta,GA

If you are in your twenties N/A is the best choice for car insurance in Atlanta.

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 Atlanta

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

Atlanta Car Insurance Rates by Violation

Atlanta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Atlanta after a DUI

Atlanta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Atlanta after Speeding ticket

Car Insurance Price Trends in Atlanta, Georgia

Average Car Insurance Cost in Atlanta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Atlanta, GA

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

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