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 AverageState AverageNational Average
$1,852$1,522$1,569


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
AgeAverage Rate
Teenagers$6,866
20s$2,618
30s$1,860
40s$1,784
50s$1,613
60s$1,656
70s$1,827


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 ViolationAverage Rate
DUI$3,470
Reckless Driving$3,106
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/GenderAverage Rate
Female$1,834
Male$1,852
Single$1,852
Married$1,690
Divorced$1,852
Widowed$1,754


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 LevelAverage Auto Insurance Rate
Very Poor$3,517
Fair$2,142
Good$1,852
Very Good$1,734
Exceptional$1,618

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.

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

Find Local Atlanta Agents

Top Independent Insurance Agents in Atlanta

25 local insurance agents, greater Atlanta metro, GA

Top Independent Insurance Agents in Atlanta

25 local insurance agents greater Atlanta metro, GA

2

$1,394

The average Atlantan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

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

What's the average rate increase for a collision claim?

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

When do I get insurance after setting up financing for a used car?

I recommend setting up your insurance policy before you pick it up because you will need to have insurance as soon as you drive off the lot. The seller shouldn't have to be involved when you're choosing a policy. Every state has minimum liability insurance coverage requirements which are included on every policy.

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

You will most likely be considered at-fault for the accident. Because you are not filing any sort of collision claim, as there was no damage to your vehicle, there is no deductible.

Can I add a vehicle to my policy that is titled to my step-son if he does not live in our household?

When adding another vehicle to the policy you would also add the driver of the vehicle to the policy. Generally, insurance companies will not allow a person not living in the home to be on the same policy.