Who Has the Best Car Insurance Rates in Atlanta?
Farm Bureau has the cheapest car insurance in Atlanta, at $133 per month for full coverage, or $61 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in Atlanta
Best cheap auto insurance in Atlanta
How we chose the top companies
Best and cheapest car insurance in Atlanta
Farm Bureau has the best combination of cheap rates and reliable customer service in Atlanta.
- Cheapest full coverage: Farm Bureau, $133/mo
- Cheapest minimum liability: Farm Bureau, $61/mo
- Cheapest for young drivers: Farm Bureau, $200/mo
- Cheapest after a ticket: Farm Bureau, $146/mo
- Cheapest after an accident: Farm Bureau, $146/mo
- Cheapest for teens after a ticket: Farm Bureau, $220/mo
- Cheapest after a DUI: Farm Bureau, $259/mo
- Cheapest for poor credit: Farm Bureau, $133/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance in Atlanta: Farm Bureau
Farm Bureau has the cheapest full coverage car insurance quotes in Atlanta.
Full coverage insurance from Farm Bureau costs around $133 per month, which is $96 per month less than the Atlanta average. It's also $44 per month less than the second-cheapest company, Auto-Owners.
Find Cheap Auto Insurance Quotes in Atlanta
The average cost of car insurance in Atlanta is $229 per month for a full coverage policy. Atlanta drivers pay $46 per month more for car insurance than the Georgia average, which is $183 per month.
Cheapest full coverage auto insurance in Atlanta, GA
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $133 |
| Auto-Owners | $177 |
| State Farm | $245 |
| Geico | $257 |
| Progressive | $306 |
*USAA is only available to current and former military members and their families.
Drivers with military ties should also compare quotes from USAA. At $160 per month, USAA is more expensive than Farm Bureau, but has the best-rated customer service in Georgia.
Cheapest liability-only auto insurance in Atlanta: Farm Bureau
Farm Bureau has the most affordable minimum liability insurance in Atlanta, at $61 per month.
That's $47 per month less than the Atlanta average of $107 per month.
Best cheap minimum liability insurance in Atlanta
Company | Monthly rate |
|---|---|
| Farm Bureau | $61 |
| Auto-Owners | $73 |
| Geico | $114 |
| Progressive | $116 |
| State Farm | $134 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Atlanta
Cheapest car insurance quotes in Atlanta for teens: Farm Bureau
Farm Bureau has the cheapest rates for young drivers in Atlanta for both minimum and full coverage.
Minimum coverage from Farm Bureau costs around $200 per month for an 18-year-old, while full coverage costs $428 per month. That's around half the Atlanta average for teens.
Some Atlanta teens can get even cheaper rates at USAA. However, only military members, veterans and some of their family members can buy USAA insurance.
Cheap auto insurance quotes in Atlanta, GA for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $200 | $428 |
| Auto-Owners | $283 | $530 |
| Geico | $414 | $848 |
| State Farm | $448 | $748 |
| Progressive | $616 | $1,515 |
*USAA is only available to current and former military members and their families.
On average, young drivers in Atlanta pay well over three times as much for car insurance as a 30-year-old. That's because insurance companies believe their lack of experience behind the wheel makes them more likely to cause a crash in the future.
Young drivers looking to lower their insurance costs should:
-
Join a parent's car insurance policy. Although it will raise the price of your parent's policy, it should be much cheaper than having two separate policies.
- Look for discounts. Good grades, avoiding accidents and safe driving are all ways to get discounts from insurance companies. You should speak with an agent about which options are available to you.
Cheapest Atlanta car insurance after a speeding ticket: Farm Bureau
Farm Bureau has the best rates for Atlanta drivers with a recent speeding ticket. At $146 per month, full coverage from Farm Bureau is $124 per month less than the Atlanta average after one speeding ticket.
Cheap car insurance in Atlanta, GA after a ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $146 |
| Auto-Owners | $177 |
| State Farm | $263 |
| Geico | $318 |
| Allstate | $375 |
*USAA is only available to current and former military members and their families.
One speeding ticket raises the cost of car insurance in Atlanta by 18% on average. That's an increase of $41 per month for a full coverage policy.
Cheapest Atlanta auto insurance after an accident: Farm Bureau
Farm Bureau has the best full coverage quotes in Atlanta after an at-fault accident, at only $146 per month. That's less than half the citywide average, and $99 per month less than the second-cheapest company, State Farm.
Cheap auto insurance in Atlanta, Georgia after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $146 |
| State Farm | $245 |
| Auto-Owners | $261 |
| Geico | $473 |
| Progressive | $518 |
*USAA is only available to current and former military members and their families.
On average, an accident raises Atlanta insurance rates by 50%.
Don't worry about switching car insurance companies right after a crash. Your rates won't go up until your current policy renews.
Instead, wait until your insurance company sends your renewal notice a few weeks to a month before your policy expires. Then, you should shop for quotes from multiple companies to find the best rate for you.
Cheapest Atlanta, GA insurance for teens with a bad record: Farm Bureau
Farm Bureau offers the cheapest car insurance for Atlanta teens with either an accident or speeding ticket.
Farm Bureau's rate for minimum liability insurance is $220 per month after a speeding ticket or accident. That's less than half the Atlanta average.
Cheap quotes for Atlanta teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $220 | $220 |
| Auto-Owners | $283 | $453 |
| Geico | $482 | $565 |
| State Farm | $487 | $448 |
| Progressive | $684 | $738 |
*USAA is only available to current and former military members and their families.
In Atlanta, teen minimum coverage car insurance rates go up by 15% after a speeding ticket and 31% after an accident.
Cheapest Atlanta, GA auto insurance after a DUI: Farm Bureau
Farm Bureau has the most affordable car insurance in Atlanta after a DUI. Full coverage from Farm Bureau costs $259 per month after a DUI, which is nearly half the citywide average. It's also $93 per month less than the second-cheapest option, Auto-Owners.
Cheap Atlanta auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Farm Bureau | $259 |
| Auto-Owners | $352 |
| Progressive | $426 |
| Allstate | $459 |
| State Farm | $683 |
*USAA is only available to current and former military members and their families.
On average, a DUI raises full coverage rates in Atlanta by $242 per month. That's twice as much as drivers with a clean record pay for insurance.
Cheapest Atlanta car insurance for drivers with poor credit: Farm Bureau
Farm Bureau offers the best rates for Atlanta drivers with poor credit. At $133 per month, full coverage from Farm Bureau costs less than one-third of the citywide average for people with bad credit. It's also much less than the second-cheapest company, Geico.
Cheap car insurance companies in Atlanta for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $133 |
| Geico | $371 |
| Progressive | $465 |
| Auto-Owners | $472 |
| Allstate | $558 |
*USAA is only available to current and former military members and their families.
In Atlanta, drivers with poor credit pay twice as much for car insurance as those with a good credit score. That's because insurance companies believe drivers with poor credit tend to file more claims.
Average car insurance quotes in Atlanta, GA by neighborhood
Chastain Park and Sandy Springs have the cheapest car insurance rates in Atlanta.
People living in these neighborhoods pay an average of $199 per month for full coverage insurance.
Chosewood Park, Grant Park, Mechanicsville, Peoplestown and Summerhill have the most expensive rates in the city, at $287 per month. Rates differ because of numerous factors, such as population density, car theft trends and crime rates.
Full coverage car insurance quotes by Atlanta ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 30303 | $250 | 6% |
| 30304 | $248 | 5% |
| 30305 | $204 | -14% |
| 30306 | $205 | -13% |
| 30307 | $213 | -10% |
What's the best car insurance coverage in Atlanta, GA?
Full coverage car insurance is the best choice for most Atlanta drivers.
Full coverage can have higher liability limits than the state requirement. This is important because the minimum requirement may not cover the full cost of a serious accident.
For example, the minimum requirement for property damage liability in Georgia is $25,000. If you hit and total a brand new or expensive car, $25,000 probably won't be enough to fully replace it. You'll have to pay the difference, which could get very expensive.
Full coverage also includes collision and comprehensive coverages, which protect your car.
- Collision coverage pays to fix your car if you hit another vehicle or object, regardless of whose fault it is.
- Comprehensive coverage pays for damage due to theft, natural disasters and other events outside of your control, sometimes called "acts of God."
If you have a car loan or lease, your lender usually requires you to have collision and comprehensive coverage. You should also consider adding these coverages if your car is less than eight years old or worth more than $5,000.
Frequently asked questions
How much is car insurance per month in Atlanta?
The average cost of a full coverage policy in Atlanta is $229 per month. Minimum liability insurance costs an average of $107 per month.
How much is State Farm in Atlanta, Georgia?
Full coverage car insurance from State Farm costs $245 per month in Atlanta, on average. That's $16 per month more than the citywide average and $112 per month more than the cheapest company, Farm Bureau.
Methodology
To find the best cheap car insurance in Atlanta, ValuePenguin editors collected data from seven of the largest insurance companies in Georgia across every ZIP code in the city. Rates are for a 30-year-old man with a clean driving record and good credit who owns a 2015 Honda Civic EX.
Full coverage quotes include higher liability limits than the Georgia state requirement, along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
The analysis uses insurance rate data from Quadrant Information Services publicly sourced from insurance company filings. Rates should be used for comparative purposes only. Your rates will likely differ.
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.
