What drives up car insurance rates in Atlanta?
Car Insurance in Atlanta
Georgia has premiums that are fairly similar to the national average, as they are within 2.7% of one another. Keep some money in your pocket by following the tips below about how to save on car insurance in Atlanta.
- City Average: $1,616
- State Average: $1,388
- National Average: $1,427
Atlanta Car Insurance by Age
The greatest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Atlanta start paying $3,754 less in premiums. Rates for drivers in Atlanta continue to fall through their 50s, but they can anticipate to pay more when they hit 60. With average payments of $6,036, teenage drivers pay the most in car insurance premiums. Drivers in their 50s save money on car insurance, as they have the lowest rates among all age groups, paying only $1,406 a year. People in their 60s ($1,462) also have relatively low premiums.
- Teenagers: $6,036
- 20s: $2,282
- 30s: $1,594
- 40s: $1,521
- 50s: $1,406
- 60s: $1,462
- 70s: $1,853
Atlanta Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Atlanta is determined by a variety of considerations, including marital status and gender. Being married can save you around $140 per year compared to being single. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men and women tend to deviate by 3%, with women paying less.
- Female: $1,574
- Male: $1,616
- Single: $1,616
- Married: $1,480
- Divorced: $1,616
- Widowed: $1,559
Atlanta Car Insurance by Accident or Violation History
Do you realize the impact an accident or violation can have on your prices on car insurance? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. For those in Atlanta with at-fault accidents, car insurance is an average of $1,063 more per year. $900 is the extra cost per year for drivers with a DUI in Atlanta, compared to the city average of $1,616. Reckless driving will also bump your premiums up, with typical rates of $2,642!
- DUI: $2,516
- Reckless Driving: $2,642
- At-fault Accident (damages less than $1000): $2,679
- At-fault Accident (damages greater than $2000): $2,679
- Speeding Ticket (16-20 mph over speed limit): $1,969
Atlanta Car Insurance by Credit Rating
Drivers with Very Poor credit (300-579) normally pay $1,438 more each year on premiums than those with Exceptional credit (800-850). Drivers can save nearly 17% per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
- Very Poor: $2,889
- Fair: $2,396
- Good: $2,011
- Very Good: $1,676
- Exceptional: $1,451
Where you live in Atlanta affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Atlanta is no exception to the rule. From zip code 30342 to 30310, premiums rise by 24 percent—that’s $298.
Expensive Atlanta Zip Codes: 30315, 30316, 30314, 30311, 30310
Cheap Atlanta Zip Codes: 30342, 30327, 30326, 30305, 30338
Atlanta Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Atlanta, you can expect 113 rainy days with an annual rainfall of 49.7 inches. Atlanta is also known to experience tropical storms and tornadoes. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Atlanta Agents
King & Brim Insurance, Inc.
6111 Peachtree Dunwoody Rd Atlanta, GA 30328
2987 Clairmont Rd, NE Atlanta, GA 30329
Doherty Duggan Hart & Tiernan
900 Circle 75 Pkwy Se Atlanta, GA 30339
PointeNorth Insurance Group
1100 Circle 75 Pkwy SE Ste 140 Atlanta, GA 30339
Hardegree Insurance Agency
750 Hammond Drive Atlanta, GA 30328
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Atlanta Car Insurance
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