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 AverageState AverageNational Average
$1,616$1,388$1,427


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
AgeAverage Rate
Teenagers$6,036
20s$2,282
30s$1,594
40s$1,521
50s$1,406
60s$1,462
70s$1,853


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 ViolationAverage Insurance Rate
DUI/DWI$2,516
Reckless Driving$2,642
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
CreditAverage Rate
Very Poor$2,889
Fair$2,396
Good$2,011
Very Good$1,676
Exceptional$1,451


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/GenderAverage Rate
Female$1,574
Male$1,616
Single$1,616
Married$1,480
Divorced$1,616
Widowed$1,559


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

Car Insurance Companies in Atlanta

Find Local Atlanta Agents

PointeNorth Insurance Group

1100 Circle 75 Pkwy SE Ste 140 Atlanta, GA 30339

Siegel Insurance

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

See All

Click below to get free quotes in seconds!

Ready to get car insurance, Atlanta?

Start Saving Now!

$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

See How Much You Can Save in Atlanta

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Atlanta Car Insurance

Religious Exemptions for Car Insurance: Are They Legal?
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017

In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...

Automotive Machines and Design Principles for Robotics Teams and Future Engineers
Automotive Machines and Design Principles for Robotics Teams and Future Engineers
May 09, 2017

The spirit of innovation has been part of the automotive industry since its inception. It’s what created Henry Ford’s drive...

#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017

April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

The Classic Spring Break Road Trip, Reimagined
The Classic Spring Break Road Trip, Reimagined
Mar 15, 2016

Goodbye winter, hello spring! And with this season’s promise of a return to warmth and sunshine comes a little gift...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

Hit and Runs: What You Need To Know
Hit and Runs: What You Need To Know
Oct 06, 2015

Some traffic incidents cause heart pounding reactions, like stolen cars, car accidents, and near-misses, but unsurprisingly, hit-and-runs can be one...

How to Plan the Perfect Road Trip
How to Plan the Perfect Road Trip
Aug 21, 2015

Part of the allure of a road trip is making spontaneous stops, and even detours. Never seen the World’s Largest...

Self-Driving Car Crosses USA
Self-Driving Car Crosses USA
Mar 23, 2015

You come to a four-way stop at the same time as a car to your left. You have the right...

6 of the Coolest Concept Cars Ever Made
6 of the Coolest Concept Cars Ever Made
May 30, 2014

Concept cars have been around since 1938, and the goal has always been the same: A bit of peacocking, and...