Who Has The Best Car Insurance Rates in Atlanta?

We took a look at 11 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 11 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.

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.

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.

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.

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

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.

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 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.