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How much does car insurance cost in Atlanta?

The typical Atlanta driver pays $1,923 per year for auto insurance. That's more expensive than the average across Georgia ($1,609) and more expensive than the national average of $1,548. What you'll pay for an auto insurance policy depends on a number of factors. Rates can also vary from one auto insurance companies to another, as policies are underwritten differently by each insurer.

Our guide to Atlanta car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more about how to find the cheapest car insurance quotes!

Atlanta Average (annual) Georgia Average National Average
$1,923 $1,609 $1,548

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Atlanta auto insurance rates by provider

One of the most important determinants of your car insurance rates is the insurance provider you work with. For a typical driver, Georgia Farm Bureau offers the most affordable car insurance in Atlanta. USAA also provides reasonable rates for policyholders, but eligibility is reserved for members of the armed forces and their immediate family members.

Your choice of auto insurance coverage will also have an impact on what you pay. Bodily injury and property damage liability insurance are required for all drivers, but there are many additional options that can also increase your premiums. Adding full coverage (typically known as collision coverage or comprehensive coverage when purchased together) can add protection for your vehicle. Be aware that these coverage options will also require a deductible that you usually set at the onset of your policy. In general, a higher deductible will lead to cheaper monthly rates. Add-ons like underinsured/uninsured motorist coverage and roadside assistance can also increase your overall car insurance premiums, but the protection that they provide is considered worthwhile to many insurance professionals.

Many auto insurers also offer car insurance discounts for keeping a safe driving record, paying in full, or bundling your homeowners and car insurance coverages. Good drivers searching for cheap car insurance should ask about ways to save money when looking for a new car insurance policy.

See below the best options for affordable auto insurance in Atlanta. Don't forget to get car insurance quotes tailored to your individual driving profile.

Insurance Company Average Rate (annual)
Georgia Farm Bureau $1,233
USAA $1,394
State Farm $1,776
GEICO $2,029
Progressive $2,345

Read more about how you can speak to a local insurance agent in Atlanta.

Atlanta car insurance premiums by age

The best age for car insurance rates as a driver in Atlanta is your 50s: drivers in this age group pay an average of $1,690per year. Those in their 60s don't pay much more ($1,749).

Teen drivers pay Atlanta's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Atlanta is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Atlanta is $5,349, the largest such difference between any two age brackets.

Age tier Average Yearly Rate
Teenagers $8,016
20s $2,668
30s $1,923
40s $1,840
50s $1,690
60s $1,749
70s $2,212

Learn more about the impact of age on car insurance premiums.

Atlanta car insurance rates by marital status and gender

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Atlanta, married drivers pay $223 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Atlanta, widowed drivers pay less than those who are single.

Gender is another factor that can impact auto insurance costs. In Atlanta, female drivers pay $23 per year more than do male drivers.

Marital Status/Gender Average Yearly Rate
Female $1,945
Male $1,922
Single $1,699
Married $1,699
Divorced $1,927
Widowed $1,805

Learn more about how gender and marital status have on insurance rates.

Atlanta car insurance costs by citation and accident history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Atlanta drivers found guilty of reckless driving face insurance rate increases of $1,064 per year, compared to the citywide average. A DUI violation may lead to a $1,553 increase, while a citation for speeding leads to a $532 rate hike. Check out our list below to see how certain infractions can impact your auto insurance quotes.

Violation Average Yearly Rate
DWI/DUI $3,476
Reckless Driving $2,986
At-fault Accident (damages less than $1,000) $2,737
At-fault Accident (damages greater than $2,000) $3,069
Speeding Ticket (16-20 mph over speed limit) $2,454

Learn more about citations' impact on your auto insurance rates.

Atlanta auto insurance rates by credit tier

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In Atlanta, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 52% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward finding cheap auto insurance. In Atlanta, improving your credit to "Fair" could help you earn a $1,235 decrease in yearly insurance premiums.

Credit Tier Average Yearly Rate
Very Poor $3,427
Fair $2,191
Good $1,922
Very Good $1,810
Exceptional $1,645

Learn more about the relationship between poor credit and car insurance.

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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in the ATL

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

Atlanta Car Insurance Companies Near Me

21st Century Acceptance Insurance Advantage Auto AFI Allied Allstate Amigo America Amigo Blue AssuranceAmerica Auto-Owners Bristol West Cal Casualty Central Insurance Cinch Clearcover Country Dairyland Direct Auto Elephant Embark General Encompass Everest Insurance Farmers GroupSelect FIMC Foremost Freedom National GAINSCO GEICO Georgia Farm Bureau Grange Insurance Hippo Infinity InsureMax Jupiter Auto Kemper Auto Kemper Preferred Liberty Mutual Mercury MetLife MileAuto National General Nationwide Neptune Flood Insurance Plymouth Rock Progressive QBE Safe Auto Safeco State Auto State Farm The General The Hartford Travelers Unique Universal Property USAA Victoria

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


The average Atlantan's annual cost of coverage


Our customer's average savings after comparing insurance



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

See How Much You Can Save in Atlanta

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How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.
Jan 30, 2020 Atlanta, GA

What do I do if I scratched a person's car, agreed to pay out of pocket, but can't agree on the cost of the repair?

Unfortunately agreeing to pay for damage out of pocket without involving your insurance company can lead to issues like this. He does not have to agree with your offer and can attempt to get you to pay more than the actual cost of the repair.
Oct 10, 2017 Atlanta, GA

Do parking tickets affect insurance?

Parking tickets do not get reported to your state's DMV so this type of ticket won't affect your insurance rate. One major caveat is whether or not you pay off the ticket.
Feb 19, 2016 Atlanta, GA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.