Car Insurance in Atlanta
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Car Insurance in Atlanta, GA
Atlanta is Georgia's capital and the heart of Southern hospitality. With about 500,000 people calling the ATL home, it's the biggest city in Georgia, which means you're sharing the road with a lot of drivers. Understanding car insurance costs in Atlanta is the best way to preserve the genteel composure Atlantans are known for.
Driving in Atlanta is a great way to experience its mix of history and modernity, from its restaurants to its high-tech hubs. The right car coverage in Atlanta will help you take in the city's many sights while staying calm, cool, and worry-free.
Whether you're exploring the city's rich Civil Rights history at the Martin Luther King Jr. National Historical Park or cheering on the Falcons at Mercedes-Benz Stadium, factors like your zip code, age, and the car you drive can affect your insurance rates. Compare car insurance quotes in Atlanta to find the best deals — here's more info that should help.
How much is car insurance in Atlanta, GA?
The total cost of car insurance in Austin will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Atlanta?
It is quite difficult to meaningfully assess and rank the cost of insuring every possible car make, model, and year combination in the city. But if you're curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in Atlanta:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $191 |
| 2 | Honda Cr-V | $198 |
| 3 | Dodge Grand Caravan | $202 |
| 4 | Toyota Rav4 | $203 |
| 5 | Honda Odyssey | $206 |
| 6 | Kia Sedona | $206 |
| 7 | Kia Sol | $207 |
| 8 | Ford Escape | $208 |
| 9 | Ford F-150 | $211 |
| 10 | Chevrolet Silverado | $213 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
If you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – understand that it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Atlanta, sorted from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $203 | 0% |
| Not at-fault Accident | $205 | +1% |
| Speeding Ticket | $258 | +27% |
| Driving with expired registration | $258 | +27% |
| At-fault Accident | $329 | +62% |
| Driving with a suspended license | $336 | +66% |
| DUI | $352 | +73% |
| Hit and Run | $366 | +80% |
What car insurance discounts can I get in Atlanta?
There are several discounts that could help bring down your costs in Atlanta. Among these are multi-policy bundling, upfront payment discounts, signing up for paperless transactions, and loyalty-based renewal discounts, to mention a few. The following list, sorted from the largest discount to the smallest, can guide you towards potential cost-saving strategies:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $174 | +$29 |
| Paid in Full | $188 | +$15 |
| Low Mileage | $189 | +$14 |
| Multi-Policy Renters | $193 | +$10 |
| Renewal discount | $198 | +$5 |
| Electronic Funds Transfer | $200 | +$3 |
| Paperless | $202 | +$1 |
| None | $203 | $0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.