The Cheapest Auto Insurance Companies in Atlanta, Georgia in 2026

Cheapest Car Insurance in Atlanta by Driver and Coverage Type

Your car insurance rates depend on things like your age, ZIP code, driving record, and credit history.^[1] Looking at average rates for drivers like you can help you see what you might pay for a policy.

Below, you’ll find the cheapest insurance companies for different types of drivers in Atlanta, based on our data.

Driver or Coverage Type	Cheapest Insurer
State-minimum coverage	Auto-Owners
Full coverage	Auto-Owners
Teens	Mile Auto
Seniors	Auto-Owners
Drivers with a speeding ticket	Progressive
Drivers with an at-fault accident	COUNTRY Financial
Drivers with a DUI	Auto-Owners
Drivers with excellent credit	Auto-Owners
Drivers with poor credit	Mile Auto

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

The Overall Cheapest Car Insurance in Atlanta

If you’re looking for the best deal on coverage, here are the companies with the cheapest car insurance rates in Atlanta, based on Compare.com data.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Company	Average Monthly Premium
Auto-Owners	$123
Mile Auto	$127
Progressive	$127
State Farm	$132
COUNTRY Financial	$133
Allstate	$144
USAA	$154
Foremost	$166
Mercury	$197
Root	$204
GAINSCO	$228
Bristol West	$233
Direct Auto	$237
GEICO	$247
Clearcover	$256
Safeco	$264
National General	$272
The General	$282
AssuranceAmerica	$284
Nationwide	$318

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest Liability Car Insurance in Atlanta: Auto-Owners

Georgia legally requires drivers to have liability car insurance. It helps cover other drivers’ repair and medical bills if you cause an accident.

But liability insurance won’t cover your injuries or repairs to your vehicle, so you may want extra protection, especially if your car is valuable.^[2]

The main advantage of minimum coverage is that it costs less. On average, Atlanta drivers pay $230 per month for liability insurance. Some insurers offer even lower rates.

Let’s take a look at the cheapest liability car insurance companies in Atlanta, according to our data.

How much car insurance is required in Atlanta?

Most states, including Georgia, require liability-only car insurance. It helps pay for other drivers’ repairs and hospital bills if you cause an accident. You can always add more coverage if you want, but you can’t have less than the required amounts.

Georgia requires these minimum amounts of liability coverage:^[3]

• Bodily injury liability: $25,000 per person and $50,000 per incident

• Property damage liability: $25,000 per incident

Cheapest Full-Coverage Car Insurance in Atlanta: Auto-Owners

Full-coverage car insurance not only meets Georgia’s minimum requirements but also gives you extra protection. It includes comprehensive and collision coverage, which can help pay for repairs if you cause an accident or if things like bad weather damage your car.

This extra protection does cost more, with an average monthly rate in Atlanta of $313. For most drivers, it’s worth it — especially if you have an expensive car or would have trouble paying for repairs out of pocket. And if you lease or finance your car, your lender will require you to have full coverage.

The insurers below offer some of the lowest full-coverage rates in Atlanta, based on our data.

Cheapest Car Insurance for Teen Drivers: COUNTRY Financial

Teen drivers pay the highest car insurance rates. Teens make up just 5.1% of licensed drivers in the U.S., but they account for 12.6% of crashes, according to National Highway Traffic Safety Administration data.^[4]

Insurance companies charge higher premiums for teens because they’re more likely to get into accidents. In Atlanta, teens pay an average of $483 per month for car insurance.

The good news is you can lower your costs by shopping around and looking for teen driver discounts. These insurers offer some of the most affordable rates for teen drivers in Atlanta, according to Compare.com data.

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4.7/5

Cheapest Car Insurance for Senior Drivers: Auto-Owners

Senior drivers usually pay less for car insurance than other age groups because they have more driving experience. The average cost of car insurance for seniors in Atlanta is $236 per month.^[5]

Based on our data, you might find even lower prices by comparing quotes from different companies, especially those listed below.

The Cheapest Car Insurance for Drivers by Driving Record

If you have an at-fault accident, get a speeding ticket, or receive a driving under the influence (DUI) conviction, your car insurance rates will go up. Insurers raise prices because they view you as a higher risk if you don’t have a clean driving record. The increase is temporary, but it can still put a strain on your budget.

You can still find affordable coverage, though. Comparing quotes before your policy renews can help you find the best rate for your situation. Here are the cheapest insurers for people with incidents on their driving record, based on Compare.com data.

Cheapest Car Insurance for Drivers by Credit

Insurance companies in Georgia can use your credit history when setting rates, since how you manage your finances is an indicator of how likely you are to file a claim.^[6]

In Atlanta, drivers with good credit pay an average of $239 per month for auto insurance. Drivers with poor credit pay $339 per month, on average.

Not every insurance company considers credit when determining rates, so it’s still possible to find a good deal on coverage, no matter your score.

Below is a list of the most affordable insurance companies for drivers with various credit scores.

How to Get The Cheapest Car Insurance in Atlanta

You can lower your car insurance costs regardless of your driving record, age, or credit score. Here’s how:^[7]

• Get different quotes. Get quotes from at least three companies every six months to compare prices. It only takes a few minutes, and it’s usually a completely digital process — no phone calls necessary.

• Reduce coverage. You might not need a full-coverage policy if you have an older car that isn’t worth replacing after an accident. You can also consider dropping optional coverages, such as gap insurance, even if you have a more expensive vehicle.

• Consider pay-per-mile insurance. Some companies, such as State Farm and Nationwide, offer pay-per-mile coverage. Since you pay for the miles you drive, this type of coverage can be a solid way to save if you work from home or don’t drive much.

• Enroll in a telematics program. Safe drivers can save money by tracking their behavior behind the wheel. You can usually get a discount just for signing up.

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Our Picks for the Best Auto Insurance in Atlanta

No single car insurer will be best for everyone. But the following companies are our top picks for different types of drivers in Atlanta, based on a combination of prices, discounts, customer ratings, and coverages.

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User Reviews	4.2 65 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.5 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$114/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$161/mo

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Driver Reviews

4.2

Best choiceBased on 125 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com

How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com

Reviews (65)

Lonny

Verified Review

SCAM

Reviewed in Georgia on September 2025

Be sure all the numbers match your conversation with the agent! My outcome is $80 more a month than when I purchased the plan!

Clifford

Verified Review

Rate hikes yet again. Leaving USAA after 28 years.

Reviewed in Arizona on July 2025

They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.

Natalya

Verified Review

SCAM

Reviewed in Colorado on July 2025

Our experience with USAA was horrendous. We lost our home to Hurricane Beryl. Having been a member for 27 years and never making any claims, this experience was indescribable. USAA, to whom we had paid $410.36 for years, had me doing their job. No tickets, no DUI, and a 20-year-old driver. That is too expensive for anyone. After Beryl, there was no power, which meant no electricity, no internet, no open stores, no food, and no gas. By the beginning of the second month, USAA tried to make Texas Wind and Air responsible, then FEMA, for paying for the broken roof, fallen trees, flooded home, and damaged AC. We decided to pack up and move on our own dime again. USAA is and always will be a ripoff. Very expensive to be a USAA member. Never again. We are just fine with AAA. Personally, the old ways of taking care of folks with insurance are only found and available with AAA. USAA has not stopped offering me a job with their claims department since Hurricane Beryl, though. I must know what I am doing better than my agent, who got fired for drinking and falsifying claims documents. There's more to the storyline with USAA. Plan on having to call them constantly to make sure they are at work.

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Our Advice

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA earns exceptionally high customer satisfaction ratings, mainly due to its fast claims process, low rates, and higher-than-average discounts. You can save even more by signing up for its SafePilot or SafePilot Miles telematics programs if you’re a safe driver or you don’t drive much.

The main downside is that not everyone can get USAA coverage. You or a family member must have a direct military connection.

Pros

• Outstanding customer satisfaction

• Generous discounts

• Pay-per-mile and safe driving programs

Cons

• No 24/7 live customer support

• Strict membership requirements

• No brick-and-mortar locations

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User Reviews	4.9 11 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.7 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$82/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$151/mo

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Driver Reviews

4.9

Best choiceBased on 20 verified guest reviews and ratings

How drivers feel about American Family

Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.

AI-generated from the text of verified reviews collected by Compare.com

Best For

How drivers feel about American Family

Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.

AI-generated from the text of verified reviews collected by Compare.com

Best For

Reviews (11)

Elmer

Verified Review

Bait and switch when time to renew after a year.

Reviewed in Nevada on December 2025

It started out with a good price and policy coverage, but when it was time to renew a year later, despite having no tickets or accidents, the price went up by $150.00. It was not right and became unaffordable after that.

Wendy

Verified Review

AmFam EXPENSIVE

Reviewed in Minnesota on May 2025

I wouldn't recommend AmFam to any of my friends. My full coverage jumped from $220 to $277 after dropping a car. Way too expensive for full coverage on a 2019 Ford sedan!

Cindy

Verified Review

Happy, but Looking for a Better Price

Reviewed in Colorado on February 2025

I have been happy with them, but I am looking for a better price on the policy.

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Our Advice

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

American Family is one of our top choices for families with teen drivers in Atlanta. The company offers a wide variety of discounts, including young volunteer, generational, and good student discounts — more than most insurers offer. You can also personalize your coverage with add-ons like rideshare coverage and gap insurance.

But the company rates slightly below average for customer and claims satisfaction. It also has only two local agents available, which is a small number for a city the size of Atlanta.

Pros

• Many teen driver discounts

• Easy-to-use mobile app

• Wide range of add-on coverages

Cons

• Hit-or-miss customer experience

• Below-average claims satisfaction

• Only a few local agents

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User Reviews	3.2 280 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.3 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$121/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$225/mo

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Driver Reviews

3.2

A solid optionBased on 679 verified guest reviews and ratings

How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com

How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com

Reviews (280)

Liz

Verified Review

Increased Monthly Payment

Reviewed in Texas on January 2026

My monthly payment was increased to a point where I can no longer afford it.

Jack

Verified Review

Progressive got me a great deal that was much better priced than my previous insurance. And with Insurify, they gave me a good deal on home insurance too. But I've not made a claim yet, so I can't say anything about how they handle that.

Reviewed in Massachusetts on January 2026

Progressive got me a great deal that was much better priced than my previous insurance. And with Insurify, they gave me a good deal on home insurance too. But I've not made a claim yet, so I can't say anything about how they handle that.

Ralph

Verified Review

Fair

Reviewed in Florida on January 2026

They do not offer discounts for not having DUIs.

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Our Advice

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Progressive’s usage-based program, Snapshot, is easy to use, and the average discount is more than $300. You can also use the plug-in option for a more analog experience. But not everyone gets a lower rate. About 20% of users see their rates go up due to unsafe driving habits.

The company’s customer satisfaction isn’t as high as expected. But some of Progressive’s digital tools, such as the Name Your Price tool, are better than what many other insurers provide.

Pros

• Popular usage-based program

• Name Your Price tool for easy shopping

• Free pet injury coverage

Cons

• Limited loan/lease payoff coverage

• Below-average customer satisfaction

• Rate increase for 20% of Snapshot users

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