Car Insurance for Atlanta in 2023

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Drivers in Atlanta pay an average of $2,058 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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Atlanta is full of thriving, energetic neighborhoods. You can head to The Battery to tailgate before a Braves game, go to the World of Coca-Cola to taste international soda flavors, or enjoy the plentiful art galleries in Midtown. But no matter where you’re driving to, you’ll need car insurance.

Comparing quotes from multiple insurers is the best way to find the cheapest policy possible. NerdWallet has analyzed Atlanta car insurance rates for a variety of driver profiles to help you with your search. Since auto insurance premiums are personalized to each individual, use these rates as a baseline when shopping for your own policy.

Read on to find out how auto insurance companies in Atlanta stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Atlanta, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Atlanta driving a 2019 Toyota Camry L.

Cheapest car insurance companies in Atlanta

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Atlanta, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Auto-Owners Insurance$1,233
NerdWallet rating 

5.0

/5
Nationwide$1,639
NerdWallet rating 

5.0

/5
USAA$1,690
NerdWallet rating 

4.5

/5
Geico$1,805
NerdWallet rating 

4.5

/5
ACCC Insurance$1,999Not yet rated
Esurance$2,050Not yet rated
State Farm$2,105
NerdWallet rating 

5.0

/5
Allstate$2,135
NerdWallet rating 

4.5

/5
Progressive$2,182
NerdWallet rating 

5.0

/5
Country Financial$2,224
NerdWallet rating 

5.0

/5

If you’re looking for cheap car insurance in Atlanta, Georgia, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Atlanta — or anywhere.

Average car insurance cost in Atlanta and Georgia

Rates across Georgia differ from those in Atlanta for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Georgia is $1,692, while in Atlanta, it's $2,058.

Average city rate
Average state rate
$2,058$1,692

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Atlanta’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Atlanta and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
30315$2,256
30316$2,203
30318$2,147
30328$1,880
30331$2,229
30338$1,866
30341$1,993
30344$2,280
30349$2,239
30350$1,938

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Atlanta by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Atlanta for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Atlanta pay, on average.

Company
Rate
NerdWallet Rating
Auto-Owners Insurance$2,929
NerdWallet rating 

5.0

/5
ACCC Insurance$3,325Not yet rated
USAA$3,365
NerdWallet rating 

4.5

/5
Geico$3,491
NerdWallet rating 

4.5

/5
Allstate$3,651
NerdWallet rating 

4.5

/5
Country Financial$3,770
NerdWallet rating 

5.0

/5
State Farm$4,311
NerdWallet rating 

5.0

/5
Nationwide$4,312
NerdWallet rating 

5.0

/5
Encompass$4,471
NerdWallet rating 

4.0

/5
Progressive$5,218
NerdWallet rating 

5.0

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Atlanta, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Auto-Owners Insurance$1,233
NerdWallet rating 

5.0

/5
Nationwide$1,639
NerdWallet rating 

5.0

/5
USAA$1,690
NerdWallet rating 

4.5

/5
Geico$1,805
NerdWallet rating 

4.5

/5
ACCC Insurance$1,999Not yet rated
Esurance$2,050Not yet rated
State Farm$2,105
NerdWallet rating 

5.0

/5
Allstate$2,135
NerdWallet rating 

4.5

/5
Progressive$2,182
NerdWallet rating 

5.0

/5
Country Financial$2,224
NerdWallet rating 

5.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Atlanta, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Auto-Owners Insurance$1,268
NerdWallet rating 

5.0

/5
Nationwide$1,410
NerdWallet rating 

5.0

/5
USAA$1,500
NerdWallet rating 

4.5

/5
Geico$1,530
NerdWallet rating 

4.5

/5
ACCC Insurance$1,569Not yet rated
Country Financial$1,786
NerdWallet rating 

5.0

/5
Esurance$1,807Not yet rated
State Farm$1,871
NerdWallet rating 

5.0

/5
MetLife$1,897
NerdWallet rating 

4.5

/5
Progressive$1,912
NerdWallet rating 

5.0

/5

Atlanta’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Atlanta by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Atlanta according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Auto-Owners Insurance$1,233
NerdWallet rating 

5.0

/5
Nationwide$1,639
NerdWallet rating 

5.0

/5
USAA$1,690
NerdWallet rating 

4.5

/5
Geico$1,805
NerdWallet rating 

4.5

/5
ACCC Insurance$1,999Not yet rated
Esurance$2,050Not yet rated
State Farm$2,105
NerdWallet rating 

5.0

/5
Allstate$2,135
NerdWallet rating 

4.5

/5
Progressive$2,182
NerdWallet rating 

5.0

/5
Country Financial$2,224
NerdWallet rating 

5.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Atlanta according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
ACCC Insurance$2,391Not yet rated
Auto-Owners Insurance$2,421
NerdWallet rating 

5.0

/5
Esurance$2,930Not yet rated
Allstate$2,957
NerdWallet rating 

4.5

/5
Mercury$3,221
NerdWallet rating 

4.0

/5
Safeway$3,260Not yet rated
Nationwide$3,342
NerdWallet rating 

5.0

/5
USAA$3,430
NerdWallet rating 

4.5

/5
Country Financial$3,594
NerdWallet rating 

5.0

/5
Progressive$3,613
NerdWallet rating 

5.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Atlanta, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Auto-Owners Insurance$1,689
NerdWallet rating 

5.0

/5
USAA$2,537
NerdWallet rating 

4.5

/5
Nationwide$2,710
NerdWallet rating 

5.0

/5
ACCC Insurance$2,939Not yet rated
State Farm$2,945
NerdWallet rating 

5.0

/5
Country Financial$2,990
NerdWallet rating 

5.0

/5
Geico$3,012
NerdWallet rating 

4.5

/5
Encompass$3,311
NerdWallet rating 

4.0

/5
Safeway$3,335Not yet rated
Allstate$3,366
NerdWallet rating 

4.5

/5

Minimum car insurance requirements in Georgia

Georgia requires all drivers to carry at least the minimum required car insurance, which is $25,000 in bodily injury liability per person and $50,000 per accident, plus $25,000 in property damage liability per accident. You may want higher limits, especially if you spend a lot of time in your car, have a history of accidents or simply want more extensive financial protection.