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 company 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!
CAR INSURANCE: ATLANTA RATES VS. STATE + NATIONAL AVERAGES
|Atlanta Average (annual)||Georgia Average||National Average|
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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.
ATLANTA CAR INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Rate (annual)|
|Georgia Farm Bureau||$1,233|
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.
ATLANTA AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Yearly Rate|
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.
ATLANTA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
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.
ATLANTA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Yearly Rate|
|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|
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.
ATLANTA AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
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
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Car Insurance Companies in Atlanta
The average Atlantan's annual cost of coverage
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