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How much is car insurance in Atlanta?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Atlanta are about $19 a month more expensive than the rest of Georgia.
Similarly, drivers in Atlanta may pay higher rates than the rest of the country. It's about $42 more for coverage in Atlanta than in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Atlanta residents, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Atlanta residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older. Teenagers, for example, can pay as much as three times more than drivers who are around retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to climb back up once you hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Atlanta, however, male and female drivers both pay about the same rate for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Atlanta, having a single accident on your record will usually get you rates around $149 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $170.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$126|
|15 Years or Older||$118|
According to the first table above, the cheapest vehicles to insure in Atlanta are usually trucks and vans.
The monthly premium for SUV owners is about $119 a month, while car owners' policies run them around $123 per month.
On the other hand, truck and van drivers typically pay around $109.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Atlanta, for eample, are vehicles less than or equal to one-year-old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$126|
Generally speaking, those who have settled down into marriage will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
That difference ends up being almost $20 a month in Atlanta.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than homeowners in Atlanta. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Atlanta, GA
Recent trends in car insurance for Atlanta drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Car insurance rates in Atlanta have increased steadily from 2016 through the present, where they reached $159 a month in 2021.
How does Atlanta compare to neighboring areas?
Why are car insurance rates in Atlanta different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Rate of car accidents
- Community laws
- Amount of off-street parking
- Area crime rates
- Amount of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Atlanta?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com has you covered. Put in your ZIP code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Atlanta in no time.
Atlanta Insurance FAQs
What factors affect car insurance quotes in Atlanta?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Atlanta different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Atlanta?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Atlanta?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Atlanta or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.