How Much Does Auto Insurance Cost in Atlanta?
Premiums in Atlanta surpass the state average by 16%, which is why the city is recognized for its expensive premiums. Let's take a look at how car insurance costs in Atlanta contrast with rates nationwide.
AUTO INSURANCE RATES: ATLANTA VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Atlanta Car Insurance by Age
In Atlanta, drivers see the largest fall in premiums when they hit their 20s, as they pay an average of 62% less after moving out of the teenage age bracket. In Atlanta, turning 60 means a rise in car insurance premiums. Up until then, transitioning from one age group to the next means decreasing prices. At $1,406, drivers in their 50s have the lowest insurance rates among any age group. People in their 60s ($1,462) also have relatively low premiums. Car insurance premiums are highest for teenage drivers, with payments that average $6,036 per year.
ATLANTA CAR INSURANCE PRICES BY DRIVER AGE
Atlanta Auto Insurance by Violation or Accident History
Have you been involved in an at-fault accident or committed a moving violation?? That may cost you in terms of 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 individuals in Atlanta with at-fault accidents, $1,063 is the increase that can be expected to annual insurance premiums. Drivers with a DUI in Atlanta need to spend $900 more than the city average to insure their vehicle. Reckless driving will also push your rates up, with average rates of $2,642!
AVERAGE ATLANTA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,679|
|At-fault Accident (damages greater than $2,000)||$2,679|
|Speeding Ticket (16-20 mph over speed limit)||$1,969|
Atlanta Car Insurance by Credit Rating
Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) usually pay almost twice as much for car insurance than those in the top credit tier (800-850). In terms of percent change, the biggest benefit of better credit occurs when improving from Very Poor (300-579) to Fair (580-669), by which drivers can save around 17% per year.
ATLANTA CAR INSURANCE COSTS BY CREDIT LEVEL
Atlanta Car Insurance by Marital Status and Gender
Both gender and marital status can play a part in your car insurance premiums in Atlanta. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single can cost you roughly $140 more per year compared to being married. Usually, males have premiums that are 3% more pricey than those for females.
ATLANTA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
What drives up car insurance rates in Atlanta?
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
PointeNorth Insurance Group
1100 Circle 75 Pkwy SE Ste 140 Atlanta, GA 30339
2987 Clairmont Rd, NE Atlanta, GA 30329
King & Brim Insurance, Inc.
6111 Peachtree Dunwoody Rd Atlanta, GA 30328
Doherty Duggan Hart & Tiernan
900 Circle 75 Pkwy Se Atlanta, GA 30339
Hardegree Insurance Agency
750 Hammond Drive Atlanta, GA 30328
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Atlanta Car Insurance
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