How Much Does Car Insurance Cost in Atlanta?


Atlanta premiums exceed the state average by $228, which is why the city is known for its expensive premiums. Who doesn't like saving money? Check out some tips on how to save on car insurance in Atlanta.


INSURANCE PRICES: ATLANTA VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,616$1,388$1,427


Atlanta Car Insurance by Credit Score


The disparity between average car insurance premiums in Atlanta for those with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,438 per year. Moving from Very Poor (300-579) to Fair (580-669) results in the greatest decrease in premiums, as drivers save approximately $493 per year.


ATLANTA AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Rate
Very Poor$2,889
Fair$2,396
Good$2,011
Very Good$1,676
Exceptional$1,451


Atlanta Car Insurance by Gender and Marital Status


Both marital status and gender are among the various driver characteristics that can have an effect on car insurance costs in Atlanta. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being single, as opposed to married, can cost you an average of $136 more per year. 3% is the amount by which men's and women's car insurance premiums vary.


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


Atlanta Car Insurance Rates by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $6,036 on average. In Atlanta, drivers see the largest reduction in premiums when they hit their 20s, as they pay an average of $3,754 less after moving out of the teenage age range. Turning 60 triggers an increase in car insurance premiums, but up until that point drivers can anticipate premium reductions when they transition between age groups. At $1,406, drivers in their 50s have the lowest rates among any age group. Those in their 60s ($1,462) have premiums that aren't much higher.


ATLANTA CAR INSURANCE PREMIUMS 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 for High-Risk Drivers


Do you realize the impact an accident or violation can have on your car insurance premiums? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. No one plans on being in an accident, but stuff happens, so be aware of the effect one can have on your rates. Being at-fault in an accident can cost drivers an additional $1,063 per year to insure your vehicle in Atlanta. In Atlanta, drivers with a DUI have rates $900 greater than the city average of $1,616. Reckless driving will also bump your rates up, with typical rates of $2,642!


AVERAGE ATLANTA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$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


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

2
Major Highways
I-20 I-75 I-85
2
Public Transit
MARTA Rail MARTA Bus
2
Toll Roads
Georgia 400 I-85 Express Lane
2
Popular Day Trips
Summerville Toccoa Falls Brasstown Bald

Car Insurance Companies in Atlanta

Find Local Atlanta Agents

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

Siegel Insurance

2987 Clairmont Rd, NE Atlanta, GA 30329

Hardegree Insurance Agency

750 Hammond Drive Atlanta, GA 30328

King & Brim Insurance, Inc.

6111 Peachtree Dunwoody Rd Atlanta, GA 30328

See All

2

$1,394

The average Atlantan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

223

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

See How Much You Can Save in Atlanta

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Recent Questions:

Atlanta Car Insurance

I caused an accident but never touched another vehicle with my car

Dec 19, 2018

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