With so many people on the road and many of them new to the area, it’s extra important to make sure you have adequate auto insurance to protect you and your family in the event of an accident.
Atlanta is the capital of Georgia and was established in 1837, and the location of Atlanta was chosen because it fell at the intersection of two major railroad lines operating at the time. Atlanta may be most well-known for being the headquarters of Coca-Cola, and the city is popular with sports fans due to its professional sports teams including the Atlanta Falcons, the Atlanta Braves and the Atlanta Hawks.
How Much Does Auto Insurance Cost in Atlanta, GA?
According to recent data, the average annual car insurance premium in Atlanta, Georgia for a full coverage policy is around $188 a month or $2,250 a year.
Atlanta drivers looking for minimum liability coverage can expect to pay around $60 a month or $725 yearly.
Individual rates can be significantly higher or lower depending on age, type of vehicle, city you live in, driving record and credit history.
Atlanta is a densely populated area with high traffic volume, which can result in higher insurance premiums compared to more rural areas in Georgia. Furthermore, insurance companies may take into account factors like crime rates, frequency of accidents, and repair costs specific to Atlanta when determining premiums.
Who Has the Cheapest Car Insurance Rates in Atlanta?
The most affordable insurance providers in Atlanta for full coverage car insurance of a single driver of a 4door common vehicle includes Progressive, Mile Auto, Travelers, and Direct Auto.
If you’re looking to find the most affordable auto insurance provider in Atlanta, here is a breakdown of monthly and yearly costs by insurance company:
| Insurance Provider: | Minimum Liability: | Full Coverage: | Avg.Yearly Costs: |
|---|---|---|---|
| Progressive | $168 | $180 | $2,160 |
| Mile Auto | $135 | $185 | $2,220 |
| Travelers | $142 | $190 | $2,280 |
| Direct Auto | $215 | $191 | $2,292 |
| Nationwide | $185 | $201 | $2,412 |
To get the most accurate estimate for your car insurance costs in Georgia, it’s recommended to obtain quotes from multiple insurance providers through our online tool. We will consider your specific circumstances and provide you with personalized rates based on your needs and coverage options.
Average Cost of Car Insurance in GA by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Georgia. Our cost data is pulled based on different types of vehicles such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series.
Here is the average cost of minimum liability car insurance for each vehicle type across multiple real time quotes from GA drivers in every county for a year of coverage:
- 4 Door Car: $1,023
- SUV: $983
- Truck: $1,027
- Hybrid Electric Vehicle: $1,075
- 2 Door Coupe: $1,255
Car Insurance Requirements for Georgia
Each state has its own requirements for the amount of auto insurance coverage its licensed drivers need to carry. Georgia requires every driver to have liability auto insurance, which helps pay for damage and injuries to the other party if you cause a car accident.
The minimum coverage amounts for Georgia auto insurance policies are:
- $25,000 per person
- $50,000 for multiple people for bodily injury liability
- $25,000 per incident for property damage liability.
It’s also worth noting that even though the laws in Georgia does not require collision or comprehensive auto insurance, if you still owe money on your car through a lease or a loan, your bank or lender will require you to carry those types of coverage.
Georgia stands apart from other states in that while it requires all drivers to have auto insurance, it does not allow you to show your insurance card as proof that you are insured. Don’t look at that as a loophole to be uninsured. Having auto insurance is in your best interest, financially speaking, but also law enforcement officers, in the event of a traffic stop, check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance.
It’s still wise to carry your insurance card with you so you can exchange information with the other drivers if an accident occurs.
Atlanta Auto Insurance Rates by County
The average costs for car insurance in Atlanta will vary by provider and driver profile history. The state minimum cost for the average driver in Atlanta is around $1053 a year or $88 a month. Here is a list of average rates for different vehicle types in Atlanta by county:
| Atlanta County | Sedan | Suv | Coupe | Truck | Hybrid |
|---|---|---|---|---|---|
| Cherokee | $1,026 | $923 | $992 | $1,067 | $1,073 |
| Clayton | $1,075 | $970 | $1,036 | $1,129 | $1,123 |
| Cobb | $1,030 | $929 | $995 | $1,081 | $1,074 |
| Dekalb | $1,040 | $937 | $1,005 | $1,093 | $1,085 |
| Douglas | $1,036 | $934 | $1,000 | $1,084 | $1,081 |
| Fayette | $1,002 | $905 | $966 | $1,027 | $1,046 |
| Forsyth | $1,032 | $930 | $997 | $1,067 | $1,078 |
| Fulton | $1,003 | $906 | $968 | $1,055 | $1,043 |
| Gwinnett | $1,094 | $986 | $1,055 | $1,071 | $1,140 |
| Henry | $1,078 | $973 | $1,038 | $1,027 | $1,124 |
Georgia Auto Insurance Rates by County
The cost data in the table below is an example of a single driver, middle aged, with a clean driving record and a good credit score who drives a used vehicle.
The average costs for car insurance in Georgia will vary by provider and driving history as well as individual driver factors. Here is a list of average state minimum liability coverage costs in Georgia broken down by county and vehicle type – search for your county below:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Appling | $1,058 | $948 | $1,026 | $1,027 | $1,117 |
| Atkinson | $983 | $884 | $952 | $1,022 | $1,034 |
| Bacon | $1,093 | $976 | $1,061 | $1,027 | $1,155 |
| Baker | $968 | $870 | $939 | $1,006 | $1,018 |
| Baldwin | $1,098 | $977 | $1,064 | $1,027 | $1,157 |
| Banks | $1,036 | $933 | $1,000 | $1,027 | $1,085 |
| Barrow | $1,020 | $917 | $987 | $1,064 | $1,068 |
| Bartow | $1,038 | $933 | $1,005 | $1,067 | $1,089 |
| Ben Hill | $1,038 | $898 | $998 | $1,027 | $1,099 |
| Berrien | $944 | $849 | $916 | $981 | $993 |
Car Insurance Requirements for Georgia
Each state has its own requirements for the amount of auto insurance coverage its licensed drivers need to carry. Georgia requires every driver to have liability auto insurance, which helps pay for damage and injuries to the other party if you cause a car accident.
The minimum coverage amounts for Georgia auto insurance policies are:
- $25,000 per person
- $50,000 for multiple people for bodily injury liability
- $25,000 per incident for property damage liability.
It’s also worth noting that even though the laws in Georgia does not require collision or comprehensive auto insurance, if you still owe money on your car through a lease or a loan, your bank or lender will require you to carry those types of coverage.
Georgia stands apart from other states in that while it requires all drivers to have auto insurance, it does not allow you to show your insurance card as proof that you are insured. Don’t look at that as a loophole to be uninsured. Having auto insurance is in your best interest, financially speaking, but also law enforcement officers, in the event of a traffic stop, check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance.
It’s still wise to carry your insurance card with you so you can exchange information with the other drivers if an accident occurs.
Driving Conditions in Atlanta
Traffic in the Atlanta metro area ranks No. 10 for the worst traffic in the world and No. 4 for the worst traffic in the United States. Approximately 10 percent of driving time in Atlanta was spent navigating congested roadways, and commuters spent an average of 70 hours in traffic congestion over the course of the year.
Unique Driving Laws in Atlanta
Driving codes that allow law enforcement officers to issue a citation are provided to drivers by the Georgia Department of Driver Services. Unusual regulations related to driving have been done away with in the city of Atlanta, but the city of Dublin, Georgia, includes a provision in its vehicle code that prohibits drivers from operating a vehicle within a playground setting
Atlanta Vehicle and Driving Safety Requirements
In Georgia, texting while driving is banned, as is all cellphone use by teenage drivers, according to the Governor’s Office of Highway Safety. Across Georgia, anyone riding a motorcycle must wear a safety helmet. Anyone convicted of driving at least 75 mph on a two-lane road in Georgia or at least 85 mph on other roads faces stiffer fines than other speeders.
Impaired Driving Laws in Atlanta
All states prohibit the operation of a motor vehicle if a driver has a blood alcohol content (BAC) of .08 or greater. The Georgia Governor’s Office of Highway Safety details the penalties of being charged with a DUI.
For a first offense, a driver convicted of DUI in Georgia faces:
- A jail sentence up to one year
- A fine up to $1,000
- A driver’s license suspension up to one year
- At least 40 hours of community service
- A $210 license reinstatement fee
Georgia law prohibits anyone from drinking alcohol or having an open container of alcohol in a car when it’s on a roadway or on the shoulder of a highway.
How We Calculate InsuranceQuotes Rates Data
Our car insurance rates are calculated using our internal Insurance Quotes cost database across millions of real time quotes gathered over the past few years with updated data monthly. We use a driver profile of a single middle aged driver with a clean driving record, good credit history, who drives a used 4door vehicle.
