Who Has The Best Car Insurance Rates in Atlanta?

Who Has The Best Car Insurance Rates in Atlanta?

Find Cheap Auto Insurance Quotes in Your Area

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We took a look at 10 top insurers in the Atlanta area to develop a detailed picture of which insurance companies provide the cheapest auto insurance rates to Atlantans, and which companies are overcharging. Overall, we found that Country Financial provided the best rates, with an annual cost of $1,129. We also did a deep neighborhood-by-neighborhood dive to understand what you can expect to pay for car insurance based on where you live. To get multiple quotes from insurers near you, input your ZIP code in the box above.

Cheapest Car Insurance Companies in Atlanta

After assembling a detailed comparison of 10 top insurance companies in Atlanta, Georgia, across 12 neighborhoods, we found that Country Financial offers the best auto insurance rates by far, at an average cost of $1,129 per year. That offers a savings of 42% when compared to the Atlanta average of $1,940, and 29% less than the second cheapest option, Progressive, at $1,598.

Best Prices for Atlanta Car Insurance

Find Cheap Auto Insurance Quotes in Your Area

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We found a substantial range in price among Atlanta car insurance companies. The most expensive option, Victoria Insurance, offered a quote that was 2.6 times more expensive than Country Financial's affordable rates. Given this substantial difference, we highly recommend that Atlanta drivers always gather several quotes when shopping for auto insurance.

Rank
Company
Average Annual Rate
1Country Financial$1,129
2Progressive$1,598
3Nationwide$1,718
4Geico$1,787
5MetLife$1,862
6Mercury$1,955
7Allstate$1,999
8Central Insurance$2,007
9Encompass$2,380
10Victoria$2,912
Atlanta Average$1,940
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The Best Auto Insurance Companies in Atlanta

Our top choice for car insurance in the Atlanta, Georgia area is Country Financial, due to the very low insurance premiums it offers drivers—it's the only company we surveyed whose insurance premiums came in under $100 per month, and it did so in every neighborhood we surveyed. The company also has very few complaints registered with the National Association of Insurance Commissioners (NAIC), suggesting that customers tend to be happy with the service they receive from the insurer.

However, not all drivers may be able to get an affordable rate from Country Financial. If that's the case, we recommend Progressive, a reputable, national insurer whose rates came in as second cheapest overall. As one of the nation's largest auto insurance companies, Progressive offers a truly modern experience. For example, it offers a smartphone app where you can pay your bill, track your claims and make changes to your policy. Progressive also offers insurance discounts for using a telematic driving tracker.

Auto Insurance Company

Best For …
Country FinancialLow Rates
ProgressiveModern Insurance Experience
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The Average Cost of Car Insurance in Atlanta: by Neighborhood

In our neighborhood-by-neighborhood analysis of auto insurance rates around Atlanta, we found that prices didn't change much based on where you live. On average, auto insurance rates were fairly consistent, ranging from $1,724 to $2,165 per year for the 12 neighborhoods we surveyed. The area with the cheapest auto insurance rates, Dunwoody, was only 20% less expensive than the most expensive area, Cascade Heights. Additionally, Country Financial—which offered the lowest rates across Atlanta—offered insurance costs that only differed by 10% from neighborhood to neighborhood, amounting to a difference of just $132 per year.

We also found that each individual neighborhood had a substantial degree of price variation. In every neighborhood, the most expensive option for car insurance was between 150% and 170% more costly than the cheapest choice, showing that drivers across the Atlanta region can stand to save considerably by collecting multiple car insurance quotes.

Rank
Neighborhood
Average Annual Rate
1Dunwoody$1,724
2Riversong$1,729
3Buckhead$1,805
4Vinings$1,808
5Sandy Springs$1,810
6Brookhaven$1,894
7College Park$2,028
8Ben Hill$2,056
9Bankhead$2,072
10Gresham Park$2,083
11City Center$2,105
12Cascade Heights$2,165
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Car Theft Statistics in Atlanta

The Atlanta metropolitan area has a fairly high concentration of car thefts. In 2017, there were 19,270 car thefts in the area. That's the fourth-highest in the state of Georgia, though it's only 67th nationwide. Drivers in Atlanta concerned about auto theft may want to consider adding comprehensive coverage if they don't already have it, as comprehensive coverage will pay for the loss of your car due to theft.

Cities with Highest Car Theft Rates in Georgia

City
National rank (out of 381 Metropolitan Statistical Areas)
# of car thefts
# of car thefts per 100,000 residents
Chattanooga, TN-GA Metropolitan Statistical Area522,069371.76
Valdosta, GA Metropolitan Statistical Area57510350.67
Savannah, GA Metropolitan Statistical Area631,299335.19
Atlanta-Sandy Springs-Roswell, GA Metropolitan Statistical Area6719,270327.46
Columbus, GA-AL Metropolitan Statistical Area70986324.54
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Auto Insurance Agents in Atlanta

If you prefer to have a dedicated car insurance agent who will work with you person-to-person in order to find the right coverage for your needs, you may prefer to work with a local insurance agent. We've compiled a list of local independent and captive car insurance agents across the Atlanta who can help you get affordable car insurance.

Neighborhood
Insurer or Agent
Address
City CenterFive Star Insurance Agency191 Peachtree Street Suite 3300, Atlanta, GA 30303
Koncord Insurance Agency233 Mitchell St SW, Atlanta, GA 30303
Randy Weaver: Allstate Insurance50 Hurt Plaza SE #1430, Atlanta, GA 30303
Shiron Kilgore - State Farm Insurance Agent42 Forsyth St NW, Atlanta, GA 30303
Lee Insurance Agency LLC236 Auburn Ave NE, Atlanta, GA 30303
Cascade HeightsCascade Heights Insurance Agency833 Cascade Ave SW, Atlanta, GA 30311
Gibb Insurance Agency991 Cascade Rd SW A, Atlanta, GA 30311
Discount Auto Insurance Group LLC2018 Campbellton Rd SW, Atlanta, GA 30311
Barron Associates2200 Campbellton Rd SW # G, Atlanta, GA 30311
American Family Insurance - Sheree Johnson1218 Fairburn Rd SW #204, Atlanta, GA 30331
Gresham ParkAllstate Insurance Agent: Paul Rue1610 Hosea L Williams Dr NE, Atlanta, GA 30317
Walden Insurance55 Moreland Ave SE, Atlanta, GA 30316
Show All Rows
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State Farm Insurance Agent","416 Flat Shoals Ave SE, Atlanta, GA 30316"],["","Farmers Insurance - Leonard Bohanon","801 Moreland Ave SE D, Atlanta, GA 30316"],["","Wright Patton Insurance Agency","752 Moreland Ave SE #7, Atlanta, GA 30316"],["Bankhead","Cedric Taylor - State Farm Insurance Agent","311 14th St NW, Atlanta, GA 30318"],["","Johnson & Bryan Inc","1575 Northside Dr NW, Atlanta, GA 30318"],["","Allstate Insurance Agent: The Patriot Group","1700 Northside Dr NW c1, Atlanta, GA 30318"],["","Real Service","1750 Howell Mill Rd # A, Atlanta, GA 30318"],["","Ethio-American Insurance Company Limited","360 14th St NW, Atlanta, GA 30318"],["Brookhaven","Trussell Agency","3924 Peachtree Rd NE # 150, Atlanta, GA 30319"],["","Haven Insurance Group","4060 Peachtree Rd NE, Atlanta, GA 30319"],["","Aaron Frazier - State Farm Insurance Agent","4246 Peachtree Rd NE #7, Atlanta, GA 30319"],["","Family Insurance","2002 Summit Blvd NE #300, Atlanta, GA 30319"],["","Zurich Insurance","1001 Perimeter Summit Blvd, Atlanta, GA 30319"],["Buckhead","Glenn Agency","4469 Stella Dr NW, Atlanta, GA 30327"],["","Nationwide Insurance: Walter Wade Agency","4401 Northside Pkwy NW #295, Atlanta, GA 30327"],["","Ironwood Insurance Services LLC","4401 Northside Pkwy NW #800, Atlanta, GA 30327"],["","Northwestern Mutual - F Weldon Baird","4401 Northside Pkwy NW #260, Atlanta, GA 30327"],["","Lanigan Insurance Group Inc","4200 Northside Pkwy., NW, Bldg. 11-200, Atlanta, GA 30327"],["Sandy Springs","Joseph D Price Agency","5968 Roswell Rd NE, Atlanta, GA 30328"],["","Manning & Nozick Insurance","6000 Lake Forrest Drive #435, Atlanta, GA 30328"],["","Spearman Insurance Associates","6000 Lake Forrest Drive #580, Atlanta, GA 30328"],["","Kelly Bowling Insurance","5784 Lake Forrest Drive, Atlanta, GA 30328"],["","Fran Farias - State Farm Insurance Agent","6649 Roswell Rd d, Sandy Springs, GA 30328"],["Ben Hill","Brown & Brown Insurance","4341 Cascade Rd, Atlanta, GA 30331"],["","Farmers Insurance - Sandra Williams","3915 Cascade Rd #255, Atlanta, GA 30331"],["","Gregg Russell - Country Financial","1218 Fairburn Rd SW #104, Atlanta, GA 30331"],["","Barton & Associates Insurance","2765 Pinella Dr SW, Atlanta, GA 30331"],["","Howard Henderson Agency","3480 Greenbriar Pkwy SW # 128, Atlanta, GA 30331"],["Dunwoody","Snellings Walters Insurance","1117 Perimeter Center W # W101, Atlanta, GA 30338"],["","Jackson LeBlanc Agency","1200 Ashwood Pkwy #128, Dunwoody, GA 30338"],["","Southern Insurance Associates of Dunwoody","2394 Mt Vernon Rd Ste 150, Dunwoody, GA"],["30338"],["","American Family Insurance - Jim Partlowe","4675 N Shallowford Rd #202, Dunwoody, GA 30338"],["","Nationwide Insurance: Frederick S Homonek & Associates Inc","4515 Chamblee Dunwoody Rd Ste 100, Dunwoody, GA 30338"],["Vinings","Janis Mosley - State Farm Insurance Agent","1000 Parkwood Cir SE #140, Atlanta, GA 30339"],["","PointeNorth Insurance Group","1100 Cir 75 Pkwy SE #140, Atlanta, GA 30339"],["","Insurance Office of America","2839 Paces Ferry Rd SE # 1200, Atlanta, GA 30339"],["","Allstate Insurance Agent: Brandon Nowden","4779 S Atlanta Rd SE #300, Atlanta, GA 30339"],["","Vivian Thompson: Allstate Insurance","1770 The Exchange SE #170a, Atlanta, GA 30339"],["College Park","Velox Insurance","5232 Old National Hwy, College Park, GA 30349"],["","Sonturk Insurance Agency","5319 Old National Hwy, College Park, GA 30349"],["","Abbey Insurance Services","5437 Old National Hwy, College Park, GA 30349"],["","SC Glenn Insurance","5495 Old National Hwy, Suite B-2, Atlanta, GA 30349"],["","R D Wood Insurance Associates","6449, 5515 Riverdale Rd # E, College Park, GA 30349"],["Riversong","David Haas: Allstate Insurance","7700 Roswell Rd, Atlanta, GA 30350"],["","Newberry & Associates Insurance","450 Northridge Crossing Dr, Atlanta, GA 30350"],["","Crump Property & Casualty Insurance","400 Northridge Pkwy # 350, Atlanta, GA 30350"],["","ALLSTAR Financial Group","365 Northridge Rd, Atlanta, GA 30350"],["","Philip Cohn - State Farm Insurance Agent","2090 Dunwoody Club Dr Ste 117, Sandy Springs, GA 30350"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Minimum Auto Insurance Requirements in Atlanta, Georgia

Auto insurance is required to drive a car in the state of Georgia. You must have certain levels of liability coverage in order to register your car and use it on public roads in the Atlanta area. The requirements are:

Georgia Required Car Insurance Coverage
GA Required Min. Limits
Bodily Injury (BI)$25,000 per person / $50,000 per accident
Property Damage (PD)$25,000 per accident
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Georgia is not a no-fault state, so you are not required to carry personal injury protection (PIP) or medical payments coverage. It may be available from some insurers as an optional coverage, however.

Methodology

The sample quotes we obtained were for a 30-year-old single male in the Atlanta area driving a Toyota Camry that he owns. His credit is above average, and he selected full coverage. Our driver has zero accidents or traffic incidents of record in the past five years. In a typical year, our driver travels between 10,000 and 15,000 miles in his vehicle, which he uses to commute to and from work.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.