+120 more)
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
The most affordable coverage in Atlanta is from Auto-Owners, with an average monthly rate of $115.
In Atlanta, liability-only coverage costs an average of $223 per month, while full coverage averages $320.
USAA, American Family, and Progressive are our top choices for car insurance in Atlanta.
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 | Auto-Owners |
| Seniors | Auto-Owners |
| Drivers with a speeding ticket | Auto-Owners |
| Drivers with an at-fault accident | Auto-Owners |
| Drivers with a DUI | Auto-Owners |
| Drivers with excellent credit | Auto-Owners |
| Drivers with poor credit | Auto-Owners |
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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $115 |
| State Farm | $123 |
| Country Financial | $125 |
| Mile Auto | $139 |
| USAA | $144 |
| Progressive | $150 |
| Foremost | $178 |
| Mercury | $195 |
| Root | $216 |
| Bristol West | $220 |
| GEICO | $222 |
| Clearcover | $226 |
| GAINSCO | $239 |
| Direct Auto | $240 |
| Allstate | $242 |
| The General | $246 |
| AssuranceAmerica | $251 |
| Safeco | $264 |
| Trexis One | $271 |
| National General | $272 |
| Mendota | $284 |
| Insurify Car | $291 |
| First Acceptance | $294 |
| Trexis | $295 |
| Excepsure | $302 |
| Hugo | $415 |
| Liberty Mutual | $475 |
Category | Price |
|---|---|
| $78 | 3.7% |
| $97 | 5.5% |
| $115 | 7.0% |
| $134 | 7.5% |
| $153 | 8.4% |
| $172 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $228 | 6.8% |
| $246 | 6.1% |
| $265 | 5.2% |
| $284 | 4.8% |
| $303 | 4.2% |
| $321 | 3.5% |
| $340 | 3.2% |
| $359 | 2.8% |
| $377 | 2.4% |
| $396 | 2.0% |
| $415 | 1.8% |
| $433 | 1.6% |
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 $223 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $115 |
| State Farm | $123 |
| Country Financial | $125 |
| Mile Auto | $139 |
| USAA | $144 |
| Progressive | $150 |
| Foremost | $178 |
| Mercury | $195 |
| Root | $216 |
| Bristol West | $220 |
| GEICO | $222 |
| Clearcover | $226 |
| GAINSCO | $239 |
| Direct Auto | $240 |
| Allstate | $242 |
| The General | $246 |
| AssuranceAmerica | $251 |
| Safeco | $264 |
| Trexis One | $271 |
| National General | $272 |
| Mendota | $284 |
| Insurify Car | $291 |
| First Acceptance | $294 |
| Trexis | $295 |
| Excepsure | $302 |
| Hugo | $415 |
| Liberty Mutual | $475 |
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
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 $320. 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $188 |
| State Farm | $202 |
| Country Financial | $204 |
| Mile Auto | $224 |
| USAA | $235 |
| Progressive | $271 |
| Root | $303 |
| Mercury | $304 |
| Safeco | $316 |
| Foremost | $338 |
| AssuranceAmerica | $372 |
| Clearcover | $372 |
| GEICO | $375 |
| Direct Auto | $380 |
| Allstate | $382 |
| Bristol West | $391 |
| National General | $394 |
| GAINSCO | $451 |
| Trexis One | $469 |
| Mendota | $470 |
| The General | $474 |
| Trexis | $515 |
| Liberty Mutual | $531 |
| First Acceptance | $533 |
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 $472 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.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $192 |
| Auto-Owners | $226 |
| State Farm | $232 |
| USAA | $257 |
| Progressive | $261 |
| Mile Auto | $279 |
| Root | $316 |
| Mercury | $346 |
| Clearcover | $359 |
| Bristol West | $379 |
| GEICO | $392 |
| GAINSCO | $408 |
| Allstate | $422 |
| The General | $433 |
| Direct Auto | $456 |
| Trexis One | $472 |
| Mendota | $495 |
| AssuranceAmerica | $506 |
| Insurify Car | $507 |
| First Acceptance | $512 |
| Trexis | $514 |
| Safeco | $526 |
| National General | $526 |
| Excepsure | $526 |
| Hugo | $723 |
| Liberty Mutual | $810 |
Rates in Atlanta start at $89 per month.
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 $241 per month.[5]
Based on our data, you might find even lower prices by comparing quotes from different companies, especially those listed below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $92 |
| State Farm | $98 |
| Country Financial | $101 |
| Mile Auto | $110 |
| USAA | $119 |
| Progressive | $134 |
| Mercury | $156 |
| GEICO | $179 |
| Bristol West | $186 |
| Direct Auto | $200 |
| AssuranceAmerica | $200 |
| Root | $202 |
| Clearcover | $202 |
| GAINSCO | $208 |
| The General | $212 |
| Allstate | $216 |
| National General | $217 |
| Safeco | $234 |
| Trexis One | $241 |
| Mendota | $253 |
| Insurify Car | $259 |
| First Acceptance | $262 |
| Trexis | $263 |
| Excepsure | $269 |
| Hugo | $370 |
| Liberty Mutual | $400 |
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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $149 |
| State Farm | $156 |
| Country Financial | $167 |
| Mile Auto | $168 |
| USAA | $185 |
| Progressive | $188 |
| Root | $257 |
| Mercury | $269 |
| Bristol West | $278 |
| GAINSCO | $287 |
| Clearcover | $288 |
| GEICO | $291 |
| Direct Auto | $302 |
| Allstate | $304 |
| AssuranceAmerica | $320 |
| The General | $330 |
| National General | $339 |
| Trexis One | $340 |
| Safeco | $347 |
| Mendota | $356 |
| Insurify Car | $365 |
| First Acceptance | $369 |
| Trexis | $370 |
| Excepsure | $379 |
| Hugo | $521 |
| Liberty Mutual | $605 |
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $156 |
| State Farm | $167 |
| Country Financial | $175 |
| Mile Auto | $191 |
| USAA | $198 |
| Progressive | $206 |
| Root | $277 |
| Mercury | $296 |
| Bristol West | $298 |
| GEICO | $301 |
| GAINSCO | $313 |
| Clearcover | $327 |
| Allstate | $333 |
| Direct Auto | $334 |
| AssuranceAmerica | $341 |
| The General | $345 |
| National General | $369 |
| Trexis One | $372 |
| Safeco | $374 |
| Mendota | $390 |
| Insurify Car | $400 |
| First Acceptance | $404 |
| Trexis | $405 |
| Excepsure | $415 |
| Hugo | $570 |
| Liberty Mutual | $645 |
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $145 |
| Country Financial | $162 |
| State Farm | $163 |
| Progressive | $183 |
| Mile Auto | $184 |
| USAA | $191 |
| Mercury | $276 |
| Root | $287 |
| Clearcover | $289 |
| Bristol West | $292 |
| Allstate | $296 |
| GEICO | $296 |
| The General | $317 |
| GAINSCO | $317 |
| Direct Auto | $318 |
| Trexis One | $331 |
| AssuranceAmerica | $333 |
| Mendota | $347 |
| Insurify Car | $356 |
| First Acceptance | $359 |
| Trexis | $360 |
| National General | $361 |
| Excepsure | $369 |
| Safeco | $387 |
| Hugo | $507 |
| Liberty Mutual | $630 |
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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $91 |
| State Farm | $102 |
| Country Financial | $113 |
| Mile Auto | $119 |
| USAA | $126 |
| Progressive | $132 |
| Mercury | $165 |
| GEICO | $184 |
| Root | $194 |
| Bristol West | $194 |
| Clearcover | $206 |
| GAINSCO | $210 |
| Direct Auto | $212 |
| Allstate | $213 |
| The General | $216 |
| AssuranceAmerica | $221 |
| Safeco | $236 |
| Trexis One | $239 |
| National General | $240 |
| Mendota | $251 |
| Insurify Car | $257 |
| First Acceptance | $259 |
| Trexis | $260 |
| Excepsure | $266 |
| Hugo | $366 |
| Liberty Mutual | $390 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $152 |
| Mile Auto | $173 |
| Auto-Owners | $173 |
| USAA | $179 |
| State Farm | $179 |
| Progressive | $188 |
| Mercury | $238 |
| Root | $268 |
| Bristol West | $273 |
| GEICO | $276 |
| Clearcover | $281 |
| GAINSCO | $297 |
| Direct Auto | $298 |
| Allstate | $303 |
| The General | $306 |
| AssuranceAmerica | $312 |
| Safeco | $328 |
| National General | $338 |
| Trexis One | $339 |
| Mendota | $355 |
| Insurify Car | $364 |
| First Acceptance | $368 |
| Trexis | $369 |
| Excepsure | $378 |
| Hugo | $519 |
| Liberty Mutual | $568 |
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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.
See quotes from top insurers in minutes.
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.
| User Reviews | 4.0 |
|---|---|
| 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. | $112/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. | $184/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
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.
Outstanding customer satisfaction
Generous discounts
Pay-per-mile and safe driving programs
No 24/7 live customer support
Strict membership requirements
No brick-and-mortar locations
| User Reviews | 4.4 |
|---|---|
| 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. | $83/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. | $160/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 0.0 | 3.1 |
| Value | 4.0 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
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.
Many teen driver discounts
Easy-to-use mobile app
Wide range of add-on coverages
Hit-or-miss customer experience
Below-average claims satisfaction
Only a few local agents
| User Reviews | 3.6 |
|---|---|
| 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. | $112/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. | $202/mo |
Progressive's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.3 | 2.9 |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
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.
Popular usage-based program
Name Your Price tool for easy shopping
Free pet injury coverage
Limited loan/lease payoff coverage
Below-average customer satisfaction
Rate increase for 20% of Snapshot users
If you have more questions about car insurance in Atlanta, check out the answers to these common questions below.
On average, car insurance in Atlanta costs $271. Full coverage is more expensive, at $320 per month, while liability-only coverage costs $223, according to Compare.com data.
Auto-Owners is the cheapest auto insurance company in Atlanta. Its liability policies cost an average of $115 per month.
USAA, American Family, and Progressive are our top choices for car insurance in Atlanta. The best company depends on your needs and driver profile, so consider what matters most to you when comparing quotes.
Car insurance in Atlanta tends to be expensive, but the price can vary based on your address, driving history, age, and more. The average cost is $271, compared to $203 for the state and $142 nationwide.
For most drivers in Atlanta, minimum coverage isn’t enough because it won’t pay for your injuries or vehicle repairs if you cause an accident. Experts usually suggest getting full coverage, which includes collision and comprehensive protection.
Minimum coverage won’t pay for your car repairs or medical bills if you cause an accident. It also doesn’t cover accidents with uninsured or underinsured drivers. You can add options like collision, comprehensive, and uninsured/underinsured motorist coverage.
Your age, ZIP code, driving history, credit history, and the type of car you drive all affect your insurance quotes in Atlanta. While you can’t change some of these factors, you can still find ways to save on your policy.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates 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 rates listed in this article have been collected 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 readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
