At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Atlanta?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Atlanta typically costs about $14 a month less than it does in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Atlanta. It's about $30 cheaper than the national average to insure your vehicle in Atlanta.
While these are the average monthly costs for auto insurance coverage in Atlanta, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Atlanta and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay around $14 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Atlanta drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Atlanta is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Atlanta with a single accident on their record is about $68 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $49 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$52|
As you can see in the first table above, the cheapest vehicles to insure in Atlanta are by and large SUVs, trucks, and vans, which run about $47 per month.
Car owners, meanwhile, pay on average $54 a month for insurance coverage.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Atlanta are vehicles fifteen years and older and two-to-three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Atlanta.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$49|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $4 less than those who own their own home in Atlanta. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Atlanta, TX
Recent trends in car insurance for Atlanta drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Atlanta, auto insurance rates increased from 2017-2018, before steadying out in 2019. Policy premiums finished up in 2022, at $48 per month
How does Atlanta compare to neighboring areas?
Why are car insurance rates in Atlanta different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Amount of drivers in the community
- Off-street parking access
- Regional laws
- Prevalence of crime
- Road Safety (frequency of car accidents)
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. Knowing 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Atlanta.
Find your best rate in just a few minutes
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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Atlanta different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Atlanta?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Atlanta?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Atlanta or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes