Best Atlanta, GA Auto Insurance in 2024 (Review the Top 10 Companies Here)
State Farm, Geico, and Allstate are the best Atlanta, GA auto insurance providers, offering rates starting at $65 per month. State Farm is the top pick overall, followed by Geico and Allstate offering the best pricing and flexible coverage options for auto insurance in Atlanta, Georgia.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
17,760 reviewsCompany Facts
Full Coverage in Atlanta GA
A.M. Best
Complaint Level
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage in Atlanta GA
A.M. Best
Complaint Level
19,116 reviews
11,413 reviewsCompany Facts
Full Coverage in Atlanta GA
A.M. Best
Complaint Level
11,413 reviews
The best Atlanta, GA auto insurance providers are State Farm, Geico, and Allstate, offering premium and affordable coverage starting at just $65 per month.
Drivers searching for cheap car insurance in Georgia can find competitive rates by reading through this article and comparing reviews of different providers.
Our Top 10 Company Picks: Best Atlanta, GA Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 20% B Customer Service State Farm
#2 25% A++ Affordable Rates Geico
#3 17% A+ Local Agents Allstate
#4 19% A+ Flexible Pricing Progressive
#5 16% A Personalized Service Farmers
#6 22% A Comprehensive Options Liberty Mutual
#7 18% A+ Unique Features Nationwide
#8 15% A++ Diverse Discounts Travelers
#9 14% A++ Military Benefits USAA
#10 12% A+ AARP Discounts The Hartford
Learn more about Georgia car insurance requirements and consider other providers like The Hartford, Nationwide, and Allstate. Enter your ZIP code now to begin comparing rates.
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: Offers some of the best Georgia auto insurance rates starting around $65/month. Check our State Farm auto insurance review for details.
- Local Agents: With a wide agent network, State Farm provides personalized service, making it a top choice for best Atlanta, Georgia auto insurance.
- Financial Strength: Recognized for its strong financial stability, ensuring reliable coverage for the best auto insurance provider in Atlanta.
Cons
- Limited Discounts for High-Risk Drivers: If you have a poor driving history, you may not get the best rates for Atlanta, GA auto insurance.
- Claims Processing: The claims process may be slower compared to other providers, which could affect your experience with auto insurance providers in Georgia.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Affordable Rates
Pros
- Budget-Friendly Rates: Geico is known for offering some of the best auto insurance rates, making it a great option for cost-conscious drivers.
- Discounts for Safe Drivers: Geico offers various discounts, making it one of the best Atlanta, Georgia auto insurance options for those with clean driving records.
- User-Friendly Online Tools: With its easy-to-use website and mobile app, Geico helps you manage the auto insurance on the go.
Cons
- Limited Local Presence: Lack of local agents could be a downside for those seeking assistance with their auto insurance in Atlanta. Please review our Geico auto insurance review for details.
- Customer Service: Some drivers report issues with customer service, which might impact the overall experience with the best auto insurance company.
#3 – Allstate: Best for Local Agents
Pros
- Local Agent Availability: Strong network of local agents provides the personal touch, helping you find the best auto insurance for your needs.
- Flexible Coverage Options: Offers a variety of coverage choices to ensure you get the best auto insurance for your needs in Georgia. Refer to our Allstate auto insurance review for details.
- Numerous Discounts: Allstate provides a range of discounts, including bundling, that can help reduce the cost of your auto insurance rates.
Cons
- Higher Premiums for Young Drivers: Premiums can be expensive for younger drivers, making it less ideal for affordable auto insurance company.
- Claims Process: Some customers report that the claims process can be cumbersome, which may hinder a seamless experience with the top auto insurance provider.
#4 – Progressive: Best for Flexible Pricing
Pros
- Flexible Pricing: Progressive offers a variety of pricing plans to ensure the best Atlanta, GA auto insurance for diverse budgets.
- Customizable Coverage: Choose from several add-ons to tailor the best car insurance to your needs. Learn more by reviewing our Progressive auto insurance review.
- Discounts for Bundles: Progressive offers great multi-policy discounts, helping you save on the best auto insurance in Atlanta, Georgia.
Cons
- Higher Rates for High-Risk Drivers: If you have a poor driving record, Progressive may not offer the best auto insurance rates.
- Claims Process Delays: Some customers report delays in claims handling, which can be frustrating when dealing with the best auto insurance.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Farmers offers a high level of personalized attention, making it an ideal choice for the best Atlanta, GA auto insurance.
- Strong Coverage Options: From basic to comprehensive plans, Farmers ensures you get the best auto insurance for your needs.
- Numerous Discounts: Available discounts can significantly reduce the cost of your auto insurance coverage. For more information, read our Farmers auto insurance review.
Cons
- Expensive Premiums: Farmers may offer higher premiums for some drivers, limiting access to the most affordable auto insurance.
- Complicated Policies: Some customers find Farmers’ coverage options more difficult to navigate compared to other providers for the best auto insurance in Atlanta.
#6 – Liberty Mutual: Best for Comprehensive Options
Pros
- Comprehensive Coverage: Liberty Mutual offers extensive coverage options, ensuring you get the best auto insurance. Learn more by reviewing our Liberty Mutual auto insurance review.
- Flexible Discounts: From safe driver to hybrid vehicle discounts, Liberty Mutual provides opportunities for savings on your auto insurance.
- Strong Customer Service: Good customer service ensures a smooth experience with your best Atlanta, GA auto insurance.
Cons
- Rates Can Be High: Some drivers may find Liberty Mutual’s rates higher compared to other options for auto insurance providers in Atlanta.
- Complex Policies: Navigating through different coverage options can be overwhelming when choosing the best auto insurance company in Georgia.
#7 – Nationwide: Best for Unique Features
Pros
- Unique Features: Nationwide offers unique options like vanishing deductibles, making it a standout option for best auto insurance provider in Atlanta.
- Strong Financial Stability: Reliable financial backing ensures Nationwide offers trustworthy best Atlanta, GA auto insurance.
- Multiple Discounts: Variety of discounts available to reduce costs on your auto insurance rates. Discover details in our Nationwide auto insurance review.
Cons
- Rates Can Be Higher: In some cases, Nationwide’s rates may be above average, reducing the affordability of best auto insurance provider.
- Limited Availability of Local Agents: Fewer local agents can make in-person service harder to access for those seeking the best Atlanta, GA auto insurance.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Travelers: Best for Diverse Discounts
Pros
- Diverse Discounts: Travelers offers a variety of discounts, helping you find the best auto insurance in Georgia at a lower rate. To find out more, please refer to our Travelers auto insurance review.
- Customizable Coverage: Tailor your policy with different options to suit your needs for the best Atlanta, GA auto insurance.
- Strong Claims Support: Travelers provides excellent claims handling, ensuring peace of mind with best the auto insurance provider in Atlanta.
Cons
- Expensive for Young Drivers: Rates for younger drivers can be high, limiting affordable access to best Atlanta, GA auto insurance.
- Limited Discounts for Some Drivers: Some drivers, especially those with poor credit, may not qualify for the full range of auto insurance discounts.
#9 – USAA: Best for Military Benefits
Pros
- Military Benefits: USAA provides tailored benefits for military families, making it the best auto insurance for military personnel.
- Excellent Customer Service: Highly rated for customer satisfaction, ensuring a smooth experience with your best Atlanta, GA auto insurance.
- Affordable Rates: USAA often offers the most affordable premiums for military members seeking the best auto insurance in Atlanta, Georgia. Read more through our USAA auto insurance review.
Cons
- Exclusively for Military Families: Only available to military families, limiting access for others seeking the best auto insurance in Georgia.
- Limited Coverage Options: USAA may not offer as many add-ons and extra options as other providers for the best auto insurance provider in Georgia.
#10 – The Hartford: Best for AARP Discounts
Pros
- AARP Discounts: The Hartford offers exclusive discounts for AARP members, making it an excellent choice for seniors seeking the best auto insurance in Atlanta.
- Great Customer Service: Known for excellent customer support and handling of claims, ensuring a smooth experience with best Atlanta, GA auto insurance.
- Solid Coverage Options: Offers a range of policies to suit needs, ensuring you the best auto insurance for your situation. Read more through our The Hartford auto insurance review.
Cons
- Higher Rates for Younger Drivers: Younger drivers may face higher premiums, making it less affordable for them to get the best auto insurance in Georgia.
- Limited Availability Outside AARP: Non-AARP members may find fewer benefits and fewer discounts when searching for the best auto insurance in Atlanta.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Basic Auto Insurance Coverage Requirements in Georgia
Keep in mind that liability insurance is extremely limited in what claims it will payout. For example, if your vehicle is damaged due to theft, vandalism, or an accident caused by another driver, your liability insurance won’t cover these costs.
Atlanta, GA Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$80 $160
$78 $155
$70 $140
$82 $165
$72 $145
$65 $135
$75 $150
$74 $150
$76 $152
$68 $132
To protect yourself fully while still finding cheap car insurance rates, consider additional coverage options like comprehensive or collision insurance, which can offer more extensive protection.
Auto Insurance Discounts From the Top Providers in Atlanta, GA
Insurance Company Available Discounts
Bundling, Safe Driving, New Car, Early Signing
Bundling, Safe Driving, Multi-Car, Homeowner
Bundling, Military, Good Student, Multi-Car
Bundling, Safe Driving, New Car, Homeowner
Bundling, Safe Driver, Multi-Car, Good Student
Bundling, Continuous Insurance, Good Student
Bundling, Safe Driver, Student, Homeowner
Bundling, AARP Member, Safe Driving, Multi-Car
Bundling, Safe Driving, Homeowner, Early Signing
Bundling, Military, Safe Driver, Good Student
The state average in Georgia can range around $183 per month, but Atlanta, GA auto insurance rates, or the average car insurance in Atlanta, GA, can be as low as $49 per month for many drivers.
Depending on your personal circumstances, you can get great coverage for a low monthly rate, too. Enter your ZIP code now to begin comparing rates.
Atlanta Car Insurance Cost
Have you wondered about the average auto insurance in Atlanta, GA, or how much are car insurance quotes in Atlanta, GA? There are a variety of companies offering rates, such as Geico insurance in Atlanta, Georgia and more.
However, The Hartford, Nationwide, and State Farm are competing to offer the best car insurance in Atlanta, GA right now. But you have to pause and ask yourself what else they have to offer besides a low monthly premium—such as valuable car insurance discounts that could lower your overall costs even further.
Kristine Lee
Licensed Insurance Agent
Atlanta, GA auto insurance companies consider different factors when calculating insurance quotes, including geography, ZIP code, marital status, occupation, and theft protection devices.
Atlanta, GA Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | B | Moderate weather impact |
| Average Claim Size | C+ | Increasing claim sizes |
| Uninsured Drivers Rate | C | High uninsured rate |
| Vehicle Theft Rate | C | Elevated theft incidents |
| Traffic Density | D | Very high traffic |
In addition, affordable Atlanta, auto insurance differs from provider to provider. To verify you’re still paying for affordable car insurance in Atlanta, GA, compare Atlanta, GA auto insurance quotes online. Enter your ZIP code now to begin comparing rates.
Major Factors in Cheap Car Insurance in Atlanta, Georgia
Insurance companies take many factors into account when creating an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your credit score or where you live.
Other variables cheap auto insurance companies in Atlanta, Georgia may consider include:
Your ZIP Code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Atlanta is 447,841 and the median household income is $46,485.
Automotive Accidents
Anywhere with high accident statistics is going to cost more to insure your car. Unfortunately, Atlanta has some pretty high fatal accident statistics, as you can see from the chart above. You might want to talk to your insurer and see if they offer any safe driver discounts to counteract this.
Auto Thefts in Atlanta
Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Atlanta was 4,432 back in 2013.
Did you know that the only form of insurance coverage which protects against auto theft is comprehensive? It can be pricey, but it might be worth it in the long run if your car gets stolen.
Your Credit Score
There are many things which are determined by your credit score – and, for better or for worse, car insurance is one of them. The better your score, the lower your monthly rate will be.
Unfortunately, motorists with poor credit are charged significantly higher Atlanta, Georgia car insurance rates, and the chart below shows.
Your Age
Young drivers face a particularly harrowing burden when paying for their first auto insurance policy. Because of their inexperience, they are significantly more likely to get into a serious accident.
That’s why some companies charge them 2x-3x higher premiums than someone twice their age.
Your Driving Record
Having several violations on your record, or having serious violations such as drunk driving, will significantly raise your monthly rate. It may make you ineligible to get covered at all depending on the company.
Atlanta, GA Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 28,278 |
| Total Claims Per Year | 25,000 |
| Average Claim Size | $7,000 |
| Percentage of Uninsured Drivers | 15% |
| Vehicle Theft Rate | 1,200 thefts/year |
| Traffic Density | High |
| Weather-Related Incidents | Moderate |
But if you only have one or two minor citations in the last few years, look into your provider’s “Accident Forgiveness” policy. Your provider will basically ignore a minor violation when calculating your premiums if you qualify.
In conclusion, finding the cheapest car insurance in Georgia, involves more than just comparing rates. Factors like your ZIP code, driving record, vehicle type, and credit score all play a significant role in determining your premium.
But don’t overlook discounts like safe driver rewards or accident forgiveness options, which can make a real difference in your rate.
Taking the time to understand these factors can help you find a policy that’s both affordable and tailored to your needs. Enter your ZIP code now to begin comparing rates.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What are the top three auto insurance providers in Atlanta, Georgia?
The top three auto insurance providers in Atlanta, GA are State Farm, Geico, and Allstate. These companies offer competitive rates and a variety of coverage options for local drivers.
What factors influence auto insurance rates in Atlanta, GA?
Auto insurance rates in Atlanta are influenced by factors such as ZIP code, driving record, age, and credit score. The city’s high accident rates and auto theft risk also impact premiums. Enter your ZIP code now to begin.
What is the average monthly cost of auto insurance in Georgia?
The average monthly cost of auto insurance in Atlanta is around $183. However, many drivers can find rates as low as $49 per month depending on their circumstances, coverage, and the level of liability auto insurance they choose.
Liability auto insurance, which covers damages or injuries to others in an accident where you are at fault, can influence the overall cost of your premium. By adjusting your coverage levels, you may be able to reduce your monthly insurance costs.
How does State Farm stand out as the best auto insurance provider in Atlanta?
As an insurer known for its strong financial stability, State Farm also stand out because of its competitive rates and extensive local agent network.
What discounts does Geico offer for safe drivers?
Geico offers several discounts for safe drivers, including a good driver discount and savings for installing safety devices in your vehicle. These discounts can help lower premiums for responsible drivers in Atlanta. Enter your ZIP code now to begin.
Why might Allstate be considered a good option for drivers in Atlanta, Georgia?
What are the unique features offered by Nationwide for auto insurance?
Nationwide provides unique features like vanishing deductible and accident forgiveness.
How do Progressive’s flexible pricing options benefit Atlanta drivers?
Progressive allows drivers to customize their coverage with a range of flexible pricing plans and add-ons. This helps Atlanta drivers tailor their policies to fit both their budget and their coverage needs. Enter your ZIP code now to begin.
What makes USAA the best choice for military families in Georgia?
USAA is exclusively available to military families, offering specialized benefits and discounts for service members.
Their affordable rates and excellent customer service make them the best choice for military families in Atlanta, especially when it comes to comprehensive and collision coverage.
USAA provides tailored auto insurance policies that ensure service members have the protection they need, offering peace of mind on the road.
What are some common factors that could increase auto insurance premiums in Atlanta?
High-risk factors like a poor driving record, young age, or low credit score can significantly increase auto insurance premiums in Atlanta. Additionally, living in areas with higher accident rates or auto theft risk can lead to higher costs.