The majority of the more than 10.5million residents of the Peach State live in Atlanta, Georgia’s largest city. Average car insurance rates in Atlanta cost $1,013 per annum for liability-only coverage and $2,325 for full coverage. Fulton County is home to a large part of Atlanta. Road safety has become a concern. In 2016, there were more than 60,000. Although there has been a decrease in accidents since 2014, the increase may have contributed to higher car insurance rates.
Although drivers in the area may feel discouraged about finding affordable coverage, there are many great companies that offer lower rates. Bankrate compared the most affordable auto insurance companies in Atlanta for 2021. This included trusted third-party ratings and average quotes.
The best car insurance companies of Atlanta
Based on average premiums, J.D. and other criteria, we compared and selected the top car insurance companies in Atlanta. Scores of Power customers satisfaction. Our final analysis also included financial strength ratings, coverage options, and discounts to highlight the reasons each company is worth consideration.
| Insurance Company | J.D. J.D. (Southeast region). | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|---|
| State Farm | 835 / 1000 | $657 | $1,672 |
| Auto-Owners | 854 / 1000 | $739 | $1,853 |
| USAA* | 909 / 1000 | $682 | $1,641 |
| Geico | 851 857/1000 | $720 | $2,094 |
| Allstate | 846 / 10000 | $879 | $2,064 |
J.D. considers *USAA rank-ineligible. Due to eligibility restrictions, power
State Farm
State Farm has the lowest minimum coverage rates among the carriers we surveyed. Atlantans pay an average of $657 annually to get State Farm. Full coverage costs $1,672 annually if you need more coverage. State Farm has a variety of policies to suit your auto insurance needs. These include car rental reimbursement, roadside help, and rideshare coverage. State Farm offers a wide range of discounts from multi-policy to safe drivers if car insurance is important to you.
State Farm’s financial strength deserves to be noted as well. With an A rating (Excellent), AM Best rating in claims payout, State Farm is a A (Excellent). Technology and the many tools you have at your disposal for policy management via an app, website or insurance agent continue to strengthen State Farm’s financial strength.
Auto-Owners
Georgia is one of 26 states where Auto-Owners is present. Auto-Owners has a large network with over 48,000 agents to provide quotes, purchase policies and file claims. Although Auto-Owners agents are able to provide precise quotes, the average cost for Atlantans for liability-only policies is $739 annually and full coverage annually is $1,853.
Auto-Owners is among the top-ranked providers in the 2020 J.D. Power Auto Insurance Study ranks the Southeast in top ten. AM Best also gives Auto-Owners an A++ (Superior), rating. Auto-Owners provides standard coverage options, but also offers unique options like roadside assistance and lease/own gap coverage.
USAA
USAA offers affordable auto insurance in Atlanta to veterans and active military personnel who meet their membership requirements. The minimum coverage policy is $682 per year, while full coverage costs $1,641 each. USAA offers many discounts in addition to competitive rates. These include safe driver and good student discounts, as well as a length-of-service discount.
USAA is not officially ranked in the 2020 J.D. The 2020 J.D. does not rank USAA. However, the Southeast region scored the highest with 909 points out of 1,000. USAA’s financial strength ratings are strong with an Am Best Rating (Superior) PM Best Rating. This rating reflects its ability to pay claims.
Geico
Geico offers Atlantans many policy options. These include emergency roadside assistance and car rental reimbursement. There is also a mechanical breakdown option (similarly to an extended warranty). There are many discounts, from driver affiliations to defensive driving courses savings. Atlantans spend an average $720 annually for minimum coverage. Full coverage costs $2,094 per year.
Geico’s financial ratings and assets are strong, with a A++ (Superior AM Best rating) and assets in excess of $32 billion. Geico is also a strong performer in customer service, earning one of the top rankings in the Southeast in 2020 J.D. The Power U.S. Auto Insurance Study. A wide variety of tools are available for policy management, including a highly-rated mobile app and the website.
Allstate
Allstate provides multiple coverage options and policies to Atlanta drivers. It is ranked among the top 10 Southeast insurers for customer satisfaction. More than 300,000. Georgia’s licensed drivers are under the age of 19. Allstate makes it easy to get car insurance for teens. Allstate offers discounts to young drivers who complete the TeenSMART program. This program is intended to reduce the risk of teenage car accidents.
Atlanta has a vibrant music scene. Drivers in Atlanta may be pleased to have the option to purchase insurance through the company for their sound system. You can also choose from umbrella policies, rental reimbursement, and many other discounts. AM Best has awarded Allstate a A+ (Superior financial strength rating), which means drivers can enjoy reliable and comprehensive coverage.
Atlanta has the lowest car insurance
The cost of car insurance in Atlanta is significantly higher than the average rates state-wide. Georgians spend an average of $756 annually for minimum coverage and $1982 annually for full coverage. Atlantans, however, pay $257 and $343 less for coverage. Atlanta’s car insurance premiums are higher than the national average rates, which are $565/year for minimum coverage and $1674/year for full coverage.
Companies do offer competitive rates in the city, however. These companies provide the best car insurance in Atlanta.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| State Farm | $657 | $1,672 |
| USAA | $682 | $1,641 |
| Geico | $720 | $2,094 |
| Auto-Owners | $739 | $1,853 |
| All over the country | $780 | $1,527 |
State Farm and USAA have the lowest minimum coverage rates of all the providers. It may be an excellent option for veterans or active-duty military personnel who are able to take advantage USAA’s affordable coverage. State Farm may be an option for you if your membership requirements are not met.
Nationwide provides full coverage insurance for cars and offers gap insurance. Geico, Auto-Owners, and Nationwide offer discounts that can be applied to your policy depending on driving habits, customer loyalty, and anti-theft gear.
Atlanta insurance requirements
Georgia requires car insurance. Atlanta drivers must have coverage that meets the minimum 25/50/25 requirements.
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 in property damage per accident
While the minimum coverage is required, it’s important that you consider adding additional coverage or full coverage if necessary. Even if this means higher premiums. The property damage liability requirement for an accident is $25,000, but damage to more than two or three vehicles could result in a loss of $25,000. The difference would be your responsibility, so a greater amount of coverage is better for protecting yourself.
Atlanta car insurance discount
You can get discounts for living in Atlanta, which will help to reduce your premiums even further. These discounts can help you get the best Atlanta auto insurance while still staying within your budget. These discounts include:
- Bundling policies: Insurers offer discounts when you bundle multiple policies like your auto and home.
- Your premiums may be reduced if you are a safe driver. This category includes accident-free, claims free, and good drivers.
- Participation in defensive driver classes may reduce your premiums. Many carriers require that you complete a certain number of hours. Double-check to make sure your course is eligible. Georgia Farm Bureau, for example, uses the safedriver.com program.
- You could qualify for additional discounts if you are a good student.
Questions frequently asked
Which is the best auto insurance company?
Many insurers could be voted best in car insurance. This is based on customer satisfaction, coverage options, claims filing ease, and other factors. You can choose which characteristics of a company’s service you are most impressed with. It may be helpful to make a list of all your car insurance requirements and then compare quotes from different providers.
What is the cost of car insurance in Atlanta?
On average, Atlanta car insurance costs $1,013 per annum for minimum coverage, and $2,325 for full coverage. Your premium could be higher or lower than the average for Atlanta depending on your driving record, age, and zip code. You can easily compare quotes by submitting information to provider websites. Keep your personal information and coverage selections consistent throughout your submissions to ensure the best possible quotes.
