+120 more){kind=small}
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
){kind=small}
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
){kind=small}
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
Updated
Auto-Owners , State Farm, and Country Financial offer the cheapest car insurance rates in Atlanta.
Car insurance rates in Atlanta average $64 more per month than in the rest of Georgia.
Drivers in Atlanta pay around 37% more for auto insurance after an at-fault accident, according to Compare.com data.
Atlanta averaged nearly seven vehicle thefts per day in 2025, contributing to higher comprehensive coverage premiums.
Car insurance in Atlanta averages $223 per month for liability-only coverage and $318 per month for full coverage, according to Compare.com data. That’s higher than the Georgia overall averages, as well as nearby Augusta and Cartersville.
Atlanta’s dense population, heavy traffic, exposure to severe weather, and rates of vehicle theft and vandalism all contribute to higher-than-average premiums in the ATL.[1]
Check rates from the Peach State’s top insurers and save money today.
Auto-Owners, State Farm, and Country Financial offer some of the cheapest car insurance in Atlanta for state-minimum coverage, according to Compare.com data. Auto-Owners has the lowest average liability insurance rate, at $121 per month.
Georgia requires drivers to have minimum liability limits of 25/50/25. That means you need $25,000 per person and $50,000 per accident of bodily injury liability, and $25,000 of property damage liability coverage.[2]
The table below shows average monthly rates for cheap liability car insurance in Atlanta, based on data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $121 |
| State Farm | $130 |
| Country Financial | $132 |
| Mile Auto | $141 |
| Progressive | $146 |
| USAA | $153 |
| Mercury | $200 |
| Root | $215 |
| Bristol West | $218 |
| GEICO | $221 |
| Clearcover | $225 |
| GAINSCO | $239 |
| Allstate | $242 |
| Direct Auto | $242 |
| The General | $243 |
| AssuranceAmerica | $246 |
| Safeco | $263 |
| Trexis One | $273 |
| National General | $274 |
| Mendota | $287 |
| First Acceptance | $294 |
| Insurify Car | $295 |
| Trexis | $295 |
| Excepsure | $306 |
| Hugo | $422 |
| Liberty Mutual | $471 |
Full-coverage car insurance rates in Atlanta are higher than in many smaller Georgia cities. That’s partly because Atlanta drivers face more traffic and more collisions.
Atlanta drivers pay $318 per month on average for full coverage, compared with $164 in Elberton and $174 in Hartwell.
Full coverage can be especially valuable for Atlanta drivers because the metro area has high vehicle theft rates and heavy traffic. Both of these factors increase the risk of comprehensive and collision claims.
The following companies offer cheap full-coverage car insurance in Atlanta, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $200 |
| State Farm | $214 |
| Country Financial | $217 |
| Mile Auto | $229 |
| USAA | $250 |
| Progressive | $270 |
| Root | $302 |
| Mercury | $309 |
| Safeco | $315 |
| AssuranceAmerica | $360 |
| Clearcover | $370 |
| GEICO | $370 |
| Allstate | $378 |
| Bristol West | $383 |
| Direct Auto | $383 |
| National General | $395 |
| GAINSCO | $448 |
| The General | $468 |
| Trexis One | $468 |
| Mendota | $472 |
| Trexis | $513 |
| Liberty Mutual | $527 |
| First Acceptance | $532 |
Finding the best car insurance in Georgia isn’t just about the lowest price. We selected the best insurers in the state by combining proprietary data with verified customer reviews to identify those that deliver strong value, service, and coverage.
Explore the best Georgia car insurance companies below.
| 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. | 4.5 /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. | $182/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. | $284/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
If you’re among the 38% of Atlanta drivers who finance or lease a vehicle, Allstate is a strong option for full-coverage car insurance. Features like new-car replacement, deductible rewards, and mechanical breakdown insurance provide added financial protection for newer vehicles. Qualifying for accident forgiveness can also protect your rates if you cause a crash.
Among the cheapest full-coverage rates in Atlanta
More than 50 local agents in Atlanta
Reduced Georgia auto insurance rates by 5%
Below-average J.D. Power claims satisfaction rating
Many features cost extra
Drivewise telematics program can raise rates
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 665 |
|---|---|
| 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. | $100/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. | $163/mo |
Teen drivers are some of the most expensive to insure. But COUNTRY Financial offers some of the cheapest average rates in Atlanta for teens. You can save even more with teen-specific discounts, including its driving safety course, driver training, and good student discounts.
Affordable teen driver rates in Atlanta
Save up to 35% with a good student discount
Driver’s education course discount available
Not rated in the Southeast region by J.D. Power
Simply Drive program limited to ages 16–17
Must be 19 to get your own policy
| User Reviews | 3.9 |
|---|---|
| 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. | $98/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. | $162/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a standout choice for safe drivers in Atlanta. The company offers a variety of discounts, including for completing a defensive driving course. Its Drive Safe & Save telematics program rewards safe driving habits with lower rates. State Farm also recently announced dividend savings for eligible customers, resulting in average savings of $135 per vehicle in 2026.[3]
Extensive local agent network
Largest auto insurer in Georgia
Defensive driving course discount available
Not all customers receive dividends
Below-average J.D. customer satisfaction in Southeast
Accident forgiveness not available in Georgia
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Atlanta drivers. We researched, analyzed, and weighed several categories important to Atlanta insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Atlanta drivers find the best auto insurance policy for their unique needs.
Georgia car insurance rates can vary significantly between cities. For example, drivers in nearby Decatur pay some of the highest full-coverage rates in the Peach State, averaging $368 per month. In LaFayette, coverage averages $126 per month.
Atlanta usually falls somewhere in between. Higher traffic volume and greater risks of theft, vandalism, and severe weather contribute to higher premiums in the metro area.
Below, you’ll find average full-coverage rates for cities across Georgia, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Baxley | $102 | $180 |
| Elberton | $102 | $164 |
| Hartwell | $103 | $174 |
| Hazlehurst | $104 | $185 |
| Chickamauga | $105 | $177 |
| Eastman | $105 | $182 |
| La Fayette | $106 | $147 |
| Waycross | $106 | $173 |
| Dalton | $107 | $167 |
| Toccoa | $107 | $187 |
| Chatsworth | $109 | $169 |
| Tunnel Hill | $109 | $198 |
| Americus | $110 | $222 |
| Rossville | $111 | $176 |
| Ringgold | $112 | $178 |
| Douglas | $113 | $184 |
| Summerville | $114 | $212 |
| Valdosta | $114 | $167 |
| Ellijay | $115 | $181 |
| Montezuma | $115 | $254 |
| Moultrie | $115 | $170 |
| Blackshear | $116 | $193 |
| Brunswick | $116 | $174 |
| Jesup | $116 | $205 |
| Thomasville | $116 | $201 |
| Calhoun | $117 | $204 |
| Tifton | $118 | $175 |
| Kingsland | $119 | $179 |
| Sylvania | $120 | $182 |
| Thomson | $121 | $195 |
| Cordele | $123 | $225 |
| Eatonton | $124 | $200 |
| Perry | $124 | $182 |
| Dublin | $125 | $217 |
| Jasper | $126 | $199 |
| Waynesboro | $126 | $198 |
| Cleveland | $127 | $193 |
| Adairsville | $128 | $187 |
| Albany | $130 | $230 |
| Statesboro | $130 | $227 |
| Cedartown | $131 | $210 |
| Dahlonega | $131 | $203 |
| Franklin | $132 | $249 |
| Hull | $132 | $240 |
| Leesburg | $132 | $221 |
| Athens | $133 | $207 |
| Tallapoosa | $133 | $240 |
| Barnesville | $135 | $261 |
| Byron | $135 | $220 |
| Dawsonville | $135 | $206 |
| Lagrange | $135 | $235 |
| Richmond Hill | $135 | $217 |
| Peachtree City | $137 | $211 |
| Milledgeville | $139 | $241 |
| Rincon | $139 | $218 |
| Rome | $139 | $217 |
| Columbus | $140 | $219 |
| Commerce | $140 | $198 |
| Hinesville | $140 | $213 |
| Thomaston | $140 | $236 |
| Fort Valley | $141 | $232 |
| Flowery Branch | $142 | $213 |
| Grovetown | $144 | $209 |
| Hephzibah | $144 | $226 |
| Guyton | $145 | $243 |
| Jefferson | $145 | $230 |
| Evans | $146 | $233 |
| Rockmart | $147 | $232 |
| Augusta | $148 | $219 |
| Gainesville | $148 | $224 |
| Canton | $149 | $208 |
| Jackson | $149 | $250 |
| Hoschton | $150 | $229 |
| Bremen | $152 | $215 |
| Cartersville | $152 | $225 |
| Cumming | $153 | $220 |
| Lula | $153 | $194 |
| Carrollton | $154 | $233 |
| Sharpsburg | $154 | $204 |
| Warner Robins | $154 | $224 |
| Winder | $155 | $226 |
| Bethlehem | $157 | $259 |
| Port Wentworth | $157 | $256 |
| Newnan | $159 | $226 |
| Temple | $161 | $240 |
| Acworth | $162 | $231 |
| Monroe | $163 | $244 |
| Woodstock | $164 | $234 |
| Braselton | $165 | $244 |
| Pooler | $165 | $235 |
| Alpharetta | $166 | $230 |
| Kennesaw | $166 | $244 |
| Griffin | $170 | $258 |
| Roswell | $172 | $268 |
| Savannah | $172 | $254 |
| Hiram | $173 | $258 |
| Villa Rica | $174 | $261 |
| Smyrna | $181 | $263 |
| Fayetteville | $182 | $261 |
| Dacula | $185 | $272 |
| Locust Grove | $186 | $285 |
| Buford | $187 | $249 |
| Dallas | $189 | $272 |
| Macon | $189 | $276 |
| Marietta | $191 | $261 |
| Suwanee | $191 | $264 |
| Auburn | $192 | $249 |
| Peachtree Corners | $192 | $279 |
| Mableton | $194 | $284 |
| Lithia Springs | $197 | $280 |
| Douglasville | $198 | $293 |
| Mcdonough | $198 | $297 |
| Oxford | $199 | $263 |
| Lawrenceville | $202 | $281 |
| Powder Springs | $204 | $287 |
| Duluth | $205 | $290 |
| Loganville | $206 | $279 |
| Stockbridge | $207 | $313 |
| Norcross | $210 | $284 |
| Snellville | $210 | $308 |
| Tucker | $211 | $272 |
| Grayson | $212 | $309 |
| Hampton | $212 | $295 |
| Lilburn | $212 | $289 |
| Fairburn | $213 | $323 |
| Conley | $214 | $313 |
| Conyers | $214 | $315 |
| Jonesboro | $222 | $327 |
| Atlanta | $223 | $318 |
| Covington | $223 | $310 |
| Morrow | $224 | $341 |
| Rex | $225 | $339 |
| Austell | $227 | $311 |
| Ellenwood | $229 | $328 |
| Union City | $229 | $332 |
| Forest Park | $239 | $342 |
| Riverdale | $240 | $356 |
| Decatur | $260 | $368 |
| Stone Mountain | $261 | $357 |
| Lithonia | $264 | $377 |
| Clarkston | $280 | $364 |
*These quotes are from real Compare.com users Georgia within the last 10 days. Updated on October 5, 2026
*These quotes are from real Compare.com users Georgia within the last 10 days. Updated on October 5, 2026
Your driving history can significantly affect what you pay for auto insurance in Atlanta. In Atlanta, drivers with a clean record pay an average of $270 per month for car insurance, according to Compare.com data. Drivers with a recent ticket pay an average of $338 per month.
Auto-Owners offers the most affordable car insurance in Atlanta for drivers with a speeding ticket. Auto-Owners has the lowest rate after an at-fault accident.
The table below shows average rates in Atlanta for different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean driving record | $270 |
| Speeding ticket | $338 |
| At-fault accident | $372 |
| DUI | $329 |
Comparing car insurance quotes in Atlanta is the best way to find the cheapest coverage after an incident. Here are the cheapest companies for liability coverage in Atlanta, broken down by incident:
Cheapest car insurance for drivers in Atlanta with a clean driving record: Auto-Owners
Cheapest car insurance for drivers in Atlanta with a speeding ticket: Auto-Owners
Cheapest car insurance for drivers in Atlanta with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers in Atlanta with a DUI: Auto-Owners
Atlanta drivers with a clean record typically qualify for the lowest rates. But many Atlanta drivers have traffic violations on their record. Our research shows that 4% of Atlanta drivers have a speeding ticket, 5% have been in an at-fault accident, and 1% have a driving under the influence (DUI) conviction.
Georgia is an at-fault state, meaning the driver responsible for a crash pays for the damage they cause. Drivers with prior incidents often pay higher premiums because past risky behavior usually increases the chance of future claims.
See personalized rates from top insurers, even if you have a ticket, accident, or DUI.
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Atlanta recorded 34,200 crashes in 2025, up from 33,376 crashes in 2024, according to Georgia Department of Transportation (GDOT) data.[4] Unsafe driving behaviors, such as distracted driving and speeding, are some of the most common causes of crashes in Atlanta.
The City of Atlanta Police reported 789 vehicle thefts so far in 2026, a 24% decline from 1,041 during the same period in 2025. These factors affect insurance costs, as more crashes increase the frequency of collision coverage claims. Theft risk also raises comprehensive coverage costs.
Georgia has historically had a high rate of uninsured motorists, according to the Insurance Research Council (IRC), making uninsured motorist coverage worth considering.
Atlanta’s heavy traffic increases drivers’ crash risk, especially along major corridors like Interstate 75, I-85, I-285, I-20, and the Downtown Connector. Atlanta ranks No. 7 for traffic congestion in the U.S. and No. 16 worldwide, according to INRIX. Drivers in the city lose an average of 65 hours every year to traffic delays.[5]
Congestion is especially common during weekday rush hours near major interchanges, where stop-and-go traffic increases the risk of accidents. Rain can increase your travel time by up to 50%. Increased collision risks contribute to Atlanta’s higher-than-average auto insurance costs.
Car insurance in Atlanta is more expensive than in many other Georgia cities due to several local risk factors. The city’s heavy traffic, rising number of crashes, and higher vehicle theft rates increase the likelihood and cost of auto insurance claims. Insurers raise rates to offset that risk.
Atlanta drivers also spend more time in traffic than drivers in most U.S. cities, creating more opportunities for collisions during daily commutes.
The table below shows average monthly premiums in Atlanta and Georgia, according to Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| Atlanta drivers | $270 |
| All Georgia drivers | $203 |
Finding cheap Atlanta car insurance can be hard. Below, we answered some common questions to help you get the best policy at the lowest price.
The best car insurance for Atlanta drivers depends on your priorities. Auto-Owners offers the cheapest coverage in the city, on average. But the cheapest company isn’t always the best option for you. State Farm has good deals for safe drivers, and USAA offers some of the best rates for military members in Georgia.
Yes. Atlanta drivers must comply with Georgia car insurance requirements. The state requires drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.
Progressive is typically cheaper than GEICO for liability-only and full coverage in Atlanta, according to Compare.com data. That said, your exact rate depends on factors like your age, driving record, vehicle, coverage choices, and ZIP code.
Not typically. State-minimum coverage satisfies Georgia’s legal requirements, but it won’t pay to repair your own vehicle after a crash. It also likely isn’t enough to cover injuries or damage you cause. Many Atlanta drivers choose full coverage with higher liability limits due to the area’s heavy traffic and higher accident rates.
Comparing quotes from multiple insurers is one of the best ways to lower your car insurance rates in Atlanta. Drivers in Atlanta may also qualify for lower premiums by maintaining a clean driving record, bundling auto and homeowners insurance, or taking advantage of other discounts.
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.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
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.
