What's the Average Cost of Car Insurance in Atlanta?
On average, Atlanta premiums exceed the state average by 22%. Let's compare car insurance costs in Atlanta versus premiums across the nation.
INSURANCE RATES: ATLANTA VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Atlanta Car Insurance Rates by Age
The greatest fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Atlanta start seeing a reduction in premiums of $5,253. When drivers turn 60, they will experience a rate increase related to their age for the first time. Among all age groups, drivers in their 50s have the lowest premiums, with rates of $1,613. Those in their 60s ($1,656) have premiums that aren't much higher. With car insurance payments of $6,866 on average, teenage drivers have the most expensive rates of any age group.
ATLANTA CAR INSURANCE COSTS BY AGE
Atlanta Auto Insurance for Drivers With At-Fault Accidents or Violations
Having a flawless driving record is crutial if you want to keep the price of rates minimal. In general, a DUI in Atlanta will cost you 87% more in car insurance premiums versus the city average of $1,852. Reckless driving will bump your premiums up as well, with typical rates of $3,106, which are 68% higher than the city average! For those in Atlanta with at-fault accidents in which damages exceeded $2,000, rates are an average of 11% more than at-fault accidents with damages less than $1,000.
AVERAGE ATLANTA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,817|
|At-fault Accident (damages greater than $2,000)||$3,138|
|Speeding Ticket (16-20 mph over speed limit)||$2,409|
Atlanta Auto Insurance by Gender and Marital Status
Car insurance premiums in Atlanta differ depending on your marital status as well as gender. Premiums for men tend to be a mere 1% more costly than for women. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Being married can save you roughly $160 per year compared to being single or divorced.
ATLANTA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Atlanta Auto Insurance by Credit Rating
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $1,899 each year on premiums. Moving from Very Poor (300-579) to Fair (580-669) offers drivers the most notable percent reduction in premiums, as they save an average of 39% per year.
ATLANTA CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Level||Average Auto Insurance Rate|
Want to speak to a professional insurance agent about your rates? View our selection of local insurance agents in Atlanta, GA.
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
The average Atlantan's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Atlanta
Just enter your zip code to get started