Atlanta, GA Car Insurance

How does Atlanta compare to the surrounding area and the rest of Georgia? What should residents of Atlanta expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Atlanta?

As you can see in the chart above, it is around $23 a month more expensive to insure your vehicle in Atlanta than it is in the rest of Georgia.

If you're considering relocating to Atlanta from out of state, you may want to budget a little extra for your insurance. It's about $48 more expensive than the national average to insure your vehicle in Atlanta.

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. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Atlanta so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Atlanta Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $88 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Atlanta.

Atlanta Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Atlanta is about $5 a month. As you can see in the table above, male drivers in the area typically pay $131 on average, while female drivers typically pay $126 each month.

Atlanta Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Atlanta, drivers with one accident on their record will experience rates around $163 a month. In addition, drivers with a single ticket on their record can expect to pay around $144 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Atlanta Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Atlanta are by and large trucks and vans, at $112 per month.

SUV drivers will see rates of about $124, while the rates for car owners average out to about $131 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. In Atlanta, the most expensive vehicles to insure are vehicles less than one year old.

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.

Atlanta Car Insurance Rates by Relationship Status

More often than not, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Atlanta is about $27 a month, with married couples paying less for coverage than single drivers.

Atlanta Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. If you rent your home or apartment in Atlanta, expect to pay around $15 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Atlanta, GA

Recent trends in car insurance for Atlanta drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Atlanta had been increasing steadily from 2017-2021. Policy premiums finished down in 2022, at $104.

How does Atlanta compare to neighboring areas?

Why are car insurance rates in Atlanta different from other areas?

Car insurance companies take in many factors when deciding how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Road Safety (total number of local car accidents)
• Number of drivers in the area
• Local regulations
• Off-street parking availability
• Crime rates

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Atlanta?

Arming 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.

But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Atlanta.

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Atlanta Auto Insurance FAQs

What factors affect car insurance quotes in Atlanta?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Atlanta different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Atlanta?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Atlanta?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Atlanta or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.