+120 more)
Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.
)
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
Updated
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.
Car insurance in Atlanta isn’t cheap. The average annual premium here is $3,346, which is higher than both Georgia’s statewide average and the national average for all states, according to Compare.com data. This uptick is largely due to Atlanta’s dense traffic and higher rates of accidents and car thefts.[1]
Despite these challenges, some car insurance companies offer relatively affordable rates for Atlanta drivers. For example, Mile Auto, Progressive, and Auto-Owners have average rates starting at just $122 per month.
In this guide, we cover the most affordable car insurance options in Atlanta, how to find the right insurance company, and tips to help you save money.
Mile Auto offers the cheapest average liability coverage in Atlanta, at just $122 per month.
The average monthly cost of car insurance in Atlanta is $241 for liability insurance and $317 for full coverage.
Georgia requires drivers to have at least 25/50/25 liability coverage, but higher limits and full coverage offer better financial protection.[2]
Even though Atlanta’s average car insurance rates are higher than the state average, you still have plenty of opportunities to find more affordable coverage.
The table below shows the cheapest car insurance companies in Atlanta, according to data from Compare.com.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $122 |
| Progressive | $123 |
| Auto-Owners | $135 |
| State Farm | $145 |
| COUNTRY Financial | $147 |
| Allstate | $158 |
| USAA | $169 |
| Mercury | $170 |
| Root | $229 |
| Direct Auto | $233 |
| GAINSCO | $236 |
| GEICO | $249 |
| Clearcover | $258 |
| Bristol West | $267 |
| National General | $274 |
| Safeco | $275 |
| AssuranceAmerica | $282 |
| The General | $288 |
| Foremost | $337 |
| Nationwide | $350 |
Among these, Mile Auto offers the lowest overall average rate, at just $122 per month. But the best choice for you depends on factors like your age, driving history, and coverage needs.
In the following sections, we’ll explore the cheapest car insurance options in Atlanta for different driver profiles and situations.
While the companies listed above are a helpful starting point, your car insurance rates will vary based on factors like your age, driving history, ZIP code, and the type of coverage you choose.[3]
To help you find the most affordable coverage for your situation, the table below lists the cheapest car insurance companies in Atlanta for various driver profiles and coverage levels, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Mile Auto | $122 |
| Full coverage | Auto-Owners | $178 |
| Teens | Progressive | $220 |
| Seniors | Mile Auto | $97 |
| Drivers with a speeding ticket | Mile Auto | $143 |
| Drivers with an at-fault accident | Mile Auto | $162 |
| Drivers with a DUI | Mile Auto | $188 |
| Drivers with excellent credit | Mile Auto | $102 |
| Drivers with poor credit | Mile Auto | $150 |
In Atlanta, the average cost of state-minimum liability coverage is $241 per month, based on Compare.com data. While this might seem like the most affordable option, most experts recommend buying more than the minimum limits to better protect your assets in case of an accident.[4]
Still, if you’re shopping purely based on price, the chart below lists the five cheapest companies for minimum coverage, according to our research.
For most drivers, full coverage is a smart choice because it offers more financial protection than a liability-only policy. In addition to liability, full coverage typically includes collision, which covers damage to your car from an accident, and comprehensive, which covers things like theft, water damage, vandalism, and falling tree limbs.
Plus, if you finance or lease your car, your lender likely requires you to have full coverage.
We found that the average cost for full coverage in Atlanta is $317 per month, but several insurance companies offer coverage that doesn’t cost much more than the city’s average liability-only rate.
The chart below shows the five cheapest insurance companies in Atlanta for full coverage, according to Compare.com data.
Teen drivers face some of the highest car insurance rates due to their inexperience and higher likelihood of accidents. In fact, teen drivers have a higher rate of fatal crashes due to their immaturity and lack of skills and experience behind the wheel, according to the National Highway Traffic Safety Administration (NHTSA).[5]
In Atlanta, the average monthly premium for teen drivers is $498. But by shopping around and taking advantage of discounts, it’s possible to find more affordable options.
The chart below shows the five cheapest insurance companies in Atlanta for teen drivers, based on Compare.com data.
Senior drivers often pay some of the most affordable car insurance rates thanks to their extensive driving experience and lower-risk profiles. In Atlanta, the average monthly premium for seniors is $245, according to Compare.com data. But even with these affordable average rates, it’s possible to find better deals by shopping around.
Check out the chart below for the five cheapest insurance companies in Atlanta for senior drivers.
Getting a traffic ticket can lead to higher insurance premiums when your policy renews. That’s because insurance companies view violations as signs of risky behavior that increases the chance of future claims.
In fact, even a single speeding ticket raises car insurance rates by an average of 26% nationwide, based on our research.
In Atlanta, the average rate for drivers with a recent ticket is $341 per month, but several insurance companies offer lower rates.
The chart below shows the five cheapest companies for Atlanta drivers with a recent ticket, based on Compare.com data.
Causing an accident can lead to a steep increase in your car insurance premiums since insurance companies typically see at-fault accidents as a sign of higher risk. Our research shows that a single at-fault accident raises average rates by 31% nationwide.
In Atlanta, the average premium for drivers with a recent accident is $373 per month, but that doesn’t mean you’re stuck with high rates.
The chart below highlights five insurance companies in Atlanta that may offer lower rates even after an accident.
A driving under the influence (DUI) conviction usually results in the largest increase in car insurance premiums. Our research shows that, on average, rates go up by 46% nationwide after a DUI conviction.
In Atlanta, the average insurance cost for drivers with a DUI on their record is $449 per month, according to Compare.com data. But some insurers specialize in high-risk drivers, including people with a DUI.
If you have a recent conviction and are looking to avoid massive rate hikes, start your search with the five companies in the chart below.
In Georgia, insurance companies can use your credit history to help calculate car insurance rates. Typically, a spotty credit history leads to higher rates since studies show a connection between credit and the likelihood of filing a claim.[6] Our research shows drivers with poor credit pay 27% more than people with excellent credit scores.
In Atlanta, the average rate for drivers with poor credit is $349 per month. Fortunately, not all insurance companies weigh credit the same, and some don’t use it at all.
The chart below shows five companies that offer lower-than-average rates, even if your credit isn’t perfect.
)
In Georgia, as in nearly every state, having car insurance is a legal requirement. This mandate ensures drivers can cover the costs associated with any accidents they may cause.
Georgia’s minimum auto insurance limits are:
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per incident in property damage liability
Bodily injury liability covers injuries you (or someone driving your car) cause to someone else in an accident, while property damage liability covers damage to other people’s property.
Georgia’s minimum liability limits may not be enough if you’re involved in a serious accident. For example, if you cause a multi-vehicle collision resulting in serious injuries to several people, medical expenses could easily exceed $100,000. In that case, you’d be personally responsible for costs beyond the $50,000 the state requires.
And if you lease or finance your vehicle, your lender usually requires comprehensive and collision coverage to protect their investment. These coverages pay for damages to your car from accidents, theft, and weather-related incidents.
If you’re on the hunt for new car insurance in Atlanta, we’ve got you covered.
The average cost of car insurance in Atlanta is $279 per month, according to Compare.com data. Liability-only coverage averages $241 per month, and full coverage costs around $317.
The cheapest auto insurance company in Atlanta is Mile Auto, with an average monthly rate of $122, according to Compare.com data.
It depends on your situation. While car insurance in Atlanta tends to be more expensive than both the statewide and national averages, your personal rates depend on several factors, including your ZIP code, driving history, age, and the type of vehicle you drive.
A $200 monthly premium is higher than the average for most drivers in Atlanta — unless you’re a teen or have a recent at-fault accident or DUI. Many drivers pay less by shopping around and taking advantage of discounts.
To lower your car insurance costs, consider raising your deductible or bundling your car insurance with your home or renters insurance. You can also work on improving your credit score and maintaining a clean driving record if these factors are driving up your premiums.
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.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
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.
)
Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
)
)
