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How much is car insurance in Atlanta?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Atlanta are about $23 a month more expensive than the rest of Georgia.
Similarly, Atlanta residents should prepare to pay higher rates for coverage than the rest of the country. It's about $48 more expensive than the national average to insure your vehicle in Atlanta.
While these are the average car insurance rates for Atlanta, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Atlanta to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Atlanta.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Atlanta, this difference shakes out to about $6 a month. As you can see in the table above, female drivers in the area typically pay $126 on average, while female drivers typically pay $132 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Atlanta, a driving record with one accident will usually get you a rate around $164 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $143.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$144|
|15 Years or Older||$122|
According to the first table above, the cheapest vehicles to insure in Atlanta are by and large trucks and vans, at $113 per month.
Car owners, on the other hand, typically pay around $132 per month, while SUV drivers can expect to pay about $125 a month for auto insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Atlanta 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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$135|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Atlanta, with married couples paying about $28 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$137|
Your living accommodations is another factor that affects your monthly rate. In Atlanta, homeowners can expect to pay around $14 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
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 cost of insurance in Atlanta had been increasing steadily from 2017-2021. It finished down in 2022, at $102.
How does Atlanta compare to neighboring areas?
Why are car insurance rates in Atlanta different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Amount of drivers in the community
- Rate of car accidents
- Area laws
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Atlanta.
Atlanta 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?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Atlanta or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.