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How much is car insurance in Atlanta?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Atlanta than it is in the rest of Texas.
Similarly, car insurance rates in Atlanta are more affordable than the national average. It's about $29 cheaper to insure your vehicle in Atlanta compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for 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. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've analyzed the average rate for Atlanta and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Atlanta Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $18 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Atlanta may see their rates start to rise again once they hit retirement.
Atlanta Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in Atlanta, the difference in monthly rates is minimal.
Atlanta 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 huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Atlanta, drivers with one accident on their record will experience rates around $57 a month. In addition, drivers with a single ticket on their record can expect to pay around $49 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Atlanta Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$31|
|15 Years or Older||$52|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Atlanta, with drivers paying around $46 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $55 a month, while SUV drivers can expect to pay about $47 per month for auto insurance.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Atlanta, the most expensive vehicles to insure are vehicles two-to -three years old.
Atlanta Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
While married drivers normally pay less for auto insurance than single drivers, Atlanta bucks this trend as both groups pay around the same rate for coverage.
Atlanta Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$51|
Another factor taken into consideration is your housing status. Renters can expect to pay around $2 a month less than those who own their own home in Atlanta. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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.
The cost of insurance in Atlanta increased from 2017-2018, before leveling out in 2019. Rates finished up in 2022, at $51 a month
How does Atlanta compare to neighboring areas?
Why are car insurance rates in Atlanta different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Total number of drivers in the area
- Community laws
- Off-street parking access
- Frequency of car accidents
- Rate of crime
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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 to request a quote from a car insurance company.
But hold on! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Atlanta in no time.
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Atlanta Auto 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 age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Atlanta different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Atlanta?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Atlanta or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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