The Cheapest Auto Insurance in Atlanta in 2023

Atlanta may be the largest city in Georgia, but it’s also home to high auto theft rates compared to nearby areas — both likely contributors to higher insurance costs. Auto insurance rates in Atlanta average $263 per month — more than the state and national averages.

Luckily, some companies — such as Liberty Mutual and Clearcover — charge quite a bit less for the average Atlanta driver.

This article will cover what you need to know about buying car insurance in Atlanta, including how to find the lowest possible rates.

Key Takeaways:

• At $159 per month, Liberty Mutual has the lowest overall auto insurance rates in Atlanta.
• Teen drivers in Atlanta pay twice as much for coverage as drivers in their 40s, 50s, and 60s.
• Atlanta drivers only need basic liability coverage to legally drive.

Atlanta’s Cheapest Car Insurance Companies

Atlanta drivers pay an average of $263 per month for auto insurance — $52 more than the state average. But you can save by shopping around and looking for discounts.

The companies in the table below have the most competitive overall average rates in Atlanta, according to Compare.com data.

Liberty Mutual offers the cheapest overall rates, at $159 per month, but it may not be the cheapest for everyone. Insurers use several different factors — including your age, driving record, and more — to determine pricing.

The next several sections show just how much different rating factors may affect the cost of coverage in Atlanta.

The Best Car Insurance Companies in Atlanta in 2023

No insurer is the best option for every driver. The best company for you depends on your coverage needs, budget, driving record, and more. You’ll also want to consider features such as online tools and mobile apps to help you manage your policy.

Read on to learn about the insurers that offer the best coverage for different types of Atlanta drivers.

Liberty Mutual: Best for good drivers in Atlanta

Liberty Mutual is the cheapest option for Atlanta drivers with a clean record, with average rates of just $114 per month. The company also offers additional ways for safe drivers to save, including claims-free and violation-free discounts.

Its RightTrack program rewards drivers for safe driving behaviors. Plus, you’ll earn a 10% discount just for signing up.

Pros:

• Online car insurance quotes and payments
• Multiple add-on coverages available
• Accident forgiveness available

Cons:

• Above-average number of customer complaints
• Slightly below-average customer satisfaction scores
• Frustrating claims process reported by customers

Mile Auto: Best for Atlantans who work from home

Mile Auto may help low-mileage drivers save with pay-per-mile car insurance. Customers pay a low monthly base rate plus an additional fee for every mile they drive. The less you drive, the less you pay.

Plus, it’s a great choice for data-conscious drivers since Mile Auto doesn’t monitor your driving. The company calculates your payment based on the odometer photo you send each month.

Mile Auto customers in Atlanta pay an average of $159 per month.

Pros:

• Cheaper-than-average rates
• Savings of 30% to 40% possible via low-mileage discount
• Doesn’t track your mileage with devices or apps

Cons:

• Limited customization options
• Can’t make policy changes online
• Mixed customer reviews

Clearcover: Best for Atlanta’s young drivers

Clearcover’s digital insurance experience may be ideal for young drivers. Customers can request roadside assistance, make payments, and file and track claims through the company’s mobile app.

Most claims are paid in less than a week, according to Clearcover’s website. The company has a team of customer advocates available to answer your questions and help newer drivers select the coverage that meets their needs.

Teen drivers in Atlanta who have Clearcover policies pay an average of $206 per month — much less than the citywide average for drivers in that age group.

Pros:

• Robust mobile app
• Lower-than-average rates
• Rideshare insurance available

Cons:

• Higher-than-average number of customer complaints
• Few available discounts
• Doesn’t provide SR-22 filings

Cheapest Car Insurance Rates for Liability Insurance: Liberty Mutual

Policy limits and coverage types significantly affect the cost of a policy. State-minimum coverage allows you to drive legally and is the least expensive option available.

State-minimum coverage only includes liability insurance, which protects other people and their property. It doesn’t pay for your own medical bills or vehicle repairs.

Here’s a look at the companies that offer the most competitive rates for state-minimum coverage in Atlanta.

Liberty Mutual has the lowest liability-only rates in the city, at $114 per month, followed by Clearcover, at $139 per month. The remaining insurers — Mercury, AssuranceAmerica, and Hugo — have much higher rates.

“Purchasing only state-required minimum liability coverage can leave you very vulnerable to a significant financial loss from an at-fault accident,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute (Triple-I).

“Most insurance professionals recommend consumers purchase 100/300/100 liability coverage levels as well as purchasing collision and comprehensive coverages for what is commonly known as a ‘full-coverage’ policy.”

Cheapest Car Insurance Rates for Full-Coverage Insurance: Mile Auto

Maintaining the state’s minimum limits can help you save on insurance, but it may not provide enough coverage if you’re in a serious accident. Full coverage costs more, but it also covers more.

Full coverage combines liability, collision, and comprehensive coverage in a single policy. Like a liability policy, it helps protect other people, but it also covers repairs to your vehicle if you’re at fault in an accident.

Plus, it pays for damage that’s not from a crash, such as severe weather and vandalism. Lenders usually require full coverage if you have an auto loan or lease.

The table below shows the five companies with the most affordable rates for full coverage in Atlanta.

Mile Auto and Liberty Mutual offer the lowest rates for full coverage, at $190 per month. But keep in mind that Mile Auto is a pay-per-mile insurer, and that figure is just the monthly base rate. The company also charges a per-mile rate based on how much you drive.

At $190 per month, both insurers are about 30% to 50% less than the other companies on the list. This may be because customers have fewer theft- and weather-related claims to drive up premiums.

Mercury, Clearcover, and AssuranceAmerica are much more expensive.

Compare Atlanta Auto Insurance Rates by Age

Age significantly affects your premium. Teens and young adults have higher insurance rates because they lack experience and are statistically more likely to have an accident. Fortunately, rates tend to decrease with age — as long as you keep a clean driving record.

We’ve broken down the companies with the cheapest coverage by age in the table below.

Unsurprisingly, average rates vary significantly by age group. Teens pay more than twice as much on average than drivers in their 40s, 50s, or 60s.

Mile Auto offers the lowest average rates for four of the six age groups listed above. However, its pricing only represents the monthly base rate. It doesn’t include the per-mile fee.

After factoring in the per-mile rate you’d pay with Mile Auto, you may get cheaper coverage elsewhere. Shopping around and comparing car insurance quotes from multiple insurers can help you find the best price.

Read on as we take a closer look at insurance rates for Atlanta teens and seniors.

Cheapest car insurance for Atlanta teens: Mile Auto

Teen drivers cost more — by far — to insure than any other age group. They have crash rates nearly four times higher than drivers age 20 and older per mile driven, according to Triple-I.

Mile Auto offers the lowest rates for teens in Atlanta. Because teens drive fewer miles than almost anyone, Mile Auto’s pay-per-mile coverage may be a good way to save.

The company offers liability, comprehensive, and collision, and rental reimbursement and roadside assistance are also available to help protect teens on the road.

Cheapest car insurance for Atlanta seniors: Liberty Mutual

Drivers approaching retirement age generally have low rates. Seniors tend to drive fewer miles than almost anyone. Less time behind the wheel combined with years of experience may explain why they pay less than other age groups.

Liberty Mutual offers the lowest rates for Atlanta seniors. The company has a wide range of basic and specialty coverages. It offers claims-free, multi-vehicle, multi-policy, and other discount opportunities.

The company also insures boats, classic and antique cars, and RVs.

Compare Atlanta Auto Insurance Rates by Driving Record

Your driving record is one of the most important factors insurers use to determine rates. Here’s a look at the three insurers with the cheapest rates in Atlanta based on driving history.

Drivers with a clean record pay significantly less than drivers with traffic violations, but the amount of the increase varies based on the severity of the incident.

Drivers with speeding tickets pay an average of $41 more per month than those with a clean record, and those with an at-fault car accident pay $51 more.

Read on as we dig deeper into how driving record affects rates.

Cheapest car insurance for good drivers in Atlanta: Liberty Mutual

Drivers without an accident, ticket, DUI, or other infractions qualify for the lowest available rates. And Liberty Mutual offers the lowest rates for safe drivers in Atlanta.

The company has a solid selection of standard coverages and various add-ons. Good drivers can save with its violation-free, claims-free, and other discounts.

The company’s RightTrack program rewards drivers for safe driving behaviors. You can earn up to 30% off based on how you drive — plus, you’ll get 10% off for signing up.

Cheapest car insurance in Atlanta after a ticket: Mile Auto

Getting a ticket will cost you in more ways than one. In addition to paying for the ticket, you’ll likely pay increased insurance rates. Premiums increase an average of 37% nationwide after a speeding ticket, according to Compare.com data.

Mile Auto offers the cheapest rates in Atlanta for drivers with one speeding ticket. The company has a handful of basic insurance coverages, and, since Mile Auto offers pay-as-you-go insurance, savings can add up for low-mileage drivers.

Cheapest car insurance in Atlanta after an accident: Mile Auto

After an at-fault accident, you’ll likely pay more than just your deductible. Drivers across the country experience an average insurance rate increase of 44%, according to Compare.com data. But some companies still offer great rates.

Mile Auto has the cheapest coverage for Atlanta drivers with an at-fault accident. The company’s average rates are just $10 higher per month than those for drivers with a speeding ticket.

Mile Auto offers liability coverage to meet the state’s minimum requirements, but you can also buy comprehensive and collision to cover repairs to your vehicle after an accident or non-collision incident.

The Average Cost for Atlanta Car Insurance

Atlanta drivers pay $263 per month for car insurance, on average.

That being said, insurers use many criteria to determine premiums, including age, driving record, credit score, vehicle, and more. You may pay a lot more or less than average, depending on your driver profile.

Let’s take a look at how rates in Atlanta stack up.

Is car insurance more expensive in Atlanta?

The table below shows how insurance rates in Atlanta compare to other Georgia cities, the state, and the country.

At $263 per month, the average cost of car insurance in Atlanta is $52 higher per month than the rest of Georgia and $112 higher than the national average.

Rates in Atlanta are $99 higher per month than in Athens and $84 higher than in Alpharetta. However, Atlanta rates are $6 less than Macon.

Why the discrepancy?

“Insurers determine cost of coverage by level of risk. A large city like Atlanta has much more traffic congestion than a small rural Georgia community,” says Friedlander.

“This leads to higher accident frequency and severity as well as higher costs for vehicle repairs (parts and labor). Additionally, large cities typically have higher auto theft and vandalism rates and more uninsured drivers than smaller towns.”

Georgia Auto Insurance Requirements

State law requires Georgia drivers to maintain bodily injury liability coverage of $25,000 per person and $50,000 per accident, according to the Georgia Office of Insurance and Safety Fire Commissioner. You must also have property damage liability coverage of $25,000 per accident.

This is the amount of insurance coverage you need to drive legally in the state, but it may not be enough to cover your expenses if you’re in a serious accident. Opting for higher liability limits and additional coverage types — such as comprehensive, collision, and uninsured/underinsured motorist — provides more protection. But Georgia doesn’t require them.

Atlanta Auto Insurance FAQs

Want to know more about buying car insurance in Atlanta? Here are some answers to commonly asked questions by drivers like you.

What is the cheapest auto insurance company in Atlanta?

Liberty Mutual offers the lowest average rates overall for auto insurance, at $159 per month, as well as the lowest liability-only rates. The company is tied with Mile Auto for the lowest full-coverage rates.

How much is car insurance per month in Atlanta, Georgia?

The cost of auto insurance in Atlanta averages $263 per month, according to Compare.com data.

How can I find cheaper car insurance insurance in Atlanta?

Shopping around and comparing quotes can help you find the lowest price. You can save by asking about discounts, maintaining a clean driving record, and increasing your deductible.

How much car insurance is required in Georgia?

Georgia only requires liability insurance to drive legally.

Drivers must have $25,000 per person and $50,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability.

What happens if you get caught driving without insurance in Atlanta?

If the authorities catch you driving without insurance, your vehicle registration will be suspended or revoked.

You may have to pay a fine, and you must pay a fee to reinstate your insurance. The state may also refuse to renew or reinstate your vehicle registration when the suspension is up.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information. All the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.

Sources

1. The United States Census Bureau, “Quick Facts Atlanta, Georgia,” Accessed October 6, 2023.
2. Explore Georgia, “Georgia’s State Capitals (1868-Present),” Accessed October 6, 2023.
3. Fox 5 Atlanta, “International car theft pipeline runs from metro Atlanta to Savannah Seaport,” Accessed October 6, 2023.
4. Georgia Office of Insurance and Safety Fire Commissioner, “Auto Insurance,” Accessed October 6, 2023.
5. J.D. Power, “Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds,” Accessed October 6, 2023.
6. Centers for Disease Control and Prevention, “Teen Drivers and Passengers: Get the Facts,” Accessed October 6, 2023.
7. Georgia Department of Revenue, “Penalties and Fines for Lapse of Insurance Coverage, Registration Suspension and Reinstatement Process,” Accessed October 6, 2023.
8. Georgia Department of Revenue, “Loss of Insurance Coverage,” Accessed October 6, 2023.