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


CAR INSURANCE: ATLANTA RATES VS. STATE + NATIONAL AVERAGES
Atlanta Average (annual)Georgia AverageNational 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 company you work with. For a typical driver, Georgia Farm Bureau offers Atlanta's cheapest rates. See below the best options for affordable auto insurance in Atlanta. Don't forget to get car insurance quotes based on your driving profile.


ATLANTA CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage 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.


ATLANTA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage 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.


ATLANTA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.


ATLANTA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage 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 saving money on 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 TierAverage 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.

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

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Recent Questions:

Atlanta Car Insurance

Does uninsured motorist coverage cover borrowed vehicles?

Sorry to hear about the accident. From my understanding of your situation, as long as you are a covered driver, his uninsured motorist coverage should apply to you.

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.

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.