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

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.

113

Rainy Days a Year

50"

Avg. Annual Rainfall

3"

Avg. Annual Snowfall

Be Prepared For

Driving in the ATL

Major Highways
I-20 I-75 I-85
Public Transit
MARTA Rail MARTA Bus
Toll Roads
Georgia 400 I-85 Express Lane
Popular Day Trips
Summerville Toccoa Falls Brasstown Bald

Find Local Atlanta Agents

Hardegree Insurance Agency

750 Hammond Drive Atlanta, GA 30328

Doherty Duggan Hart & Tiernan

900 Circle 75 Pkwy Se Atlanta, GA 30339

King & Brim Insurance, Inc.

6111 Peachtree Dunwoody Rd Atlanta, GA 30328

PointeNorth Insurance Group

1100 Circle 75 Pkwy SE Ste 140 Atlanta, GA 30339

Siegel Insurance

2987 Clairmont Rd, NE Atlanta, GA 30329

See All

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$1,394

The average Atlantan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

223

That's equal to 223 cups of coffee or $558 in savings

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Atlanta Car Insurance

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