Car Insurance for Atlanta in 2024

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Drivers in Atlanta pay an average of $3,020 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 2021 Toyota Camry LE.

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.

CompanyRateNerdWallet Rating
Central Insurance$1,661Not yet rated
Georgia Farm Bureau$1,713
NerdWallet rating 

2.5

/5
Auto-Owners Insurance$1,847
NerdWallet rating 

5.0

/5
Country Financial$2,603
NerdWallet rating 

4.5

/5
Mercury$2,921
NerdWallet rating 

4.0

/5
Allstate$2,946
NerdWallet rating 

4.5

/5
Progressive$3,004
NerdWallet rating 

4.5

/5
Encompass$3,115
NerdWallet rating 

4.0

/5
State Farm$3,375
NerdWallet rating 

5.0

/5
Farmers$3,614
NerdWallet rating 

4.5

/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 $2,521, while in Atlanta, it's $3,020.

Average city rateAverage state rate
$3,020$2,521

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 CodeAverage Rate
30349$3,279
30331$3,419
30318$3,207
30319$2,644
30328$2,702
30338$2,647
30341$2,721
30350$2,903
30344$3,302
30315$3,618

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.

CompanyRateNerdWallet Rating
Central Insurance$2,663Not yet rated
Auto-Owners Insurance$4,246
NerdWallet rating 

5.0

/5
Country Financial$4,537
NerdWallet rating 

4.5

/5
Georgia Farm Bureau$4,797
NerdWallet rating 

2.5

/5
Progressive$6,160
NerdWallet rating 

4.5

/5
Encompass$6,454
NerdWallet rating 

4.0

/5
Mercury$7,183
NerdWallet rating 

4.0

/5
State Farm$7,726
NerdWallet rating 

5.0

/5
Allstate$7,844
NerdWallet rating 

4.5

/5
Geico$9,415
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.

CompanyRateNerdWallet Rating
Central Insurance$1,661Not yet rated
Georgia Farm Bureau$1,713
NerdWallet rating 

2.5

/5
Auto-Owners Insurance$1,847
NerdWallet rating 

5.0

/5
Country Financial$2,603
NerdWallet rating 

4.5

/5
Mercury$2,921
NerdWallet rating 

4.0

/5
Allstate$2,946
NerdWallet rating 

4.5

/5
Progressive$3,004
NerdWallet rating 

4.5

/5
Encompass$3,115
NerdWallet rating 

4.0

/5
State Farm$3,375
NerdWallet rating 

5.0

/5
Farmers$3,614
NerdWallet rating 

4.5

/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.

CompanyRateNerdWallet Rating
Georgia Farm Bureau$1,629
NerdWallet rating 

2.5

/5
Central Insurance$1,666Not yet rated
Auto-Owners Insurance$1,886
NerdWallet rating 

5.0

/5
Country Financial$2,157
NerdWallet rating 

4.5

/5
Mercury$2,190
NerdWallet rating 

4.0

/5
Progressive$2,550
NerdWallet rating 

4.5

/5
Encompass$2,577
NerdWallet rating 

4.0

/5
Allstate$2,715
NerdWallet rating 

4.5

/5
Farmers$2,738
NerdWallet rating 

4.5

/5
State Farm$3,181
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.

CompanyRateNerdWallet Rating
Central Insurance$1,661Not yet rated
Georgia Farm Bureau$1,713
NerdWallet rating 

2.5

/5
Auto-Owners Insurance$1,847
NerdWallet rating 

5.0

/5
Country Financial$2,603
NerdWallet rating 

4.5

/5
Mercury$2,921
NerdWallet rating 

4.0

/5
Allstate$2,946
NerdWallet rating 

4.5

/5
Progressive$3,004
NerdWallet rating 

4.5

/5
Encompass$3,115
NerdWallet rating 

4.0

/5
State Farm$3,375
NerdWallet rating 

5.0

/5
Farmers$3,614
NerdWallet rating 

4.5

/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.

CompanyRateNerdWallet Rating
Georgia Farm Bureau$3,328
NerdWallet rating 

2.5

/5
Central Insurance$3,482Not yet rated
Auto-Owners Insurance$3,666
NerdWallet rating 

5.0

/5
Country Financial$3,846
NerdWallet rating 

4.5

/5
Mercury$4,097
NerdWallet rating 

4.0

/5
Allstate$4,385
NerdWallet rating 

4.5

/5
Progressive$4,778
NerdWallet rating 

4.5

/5
State Farm$5,981
NerdWallet rating 

5.0

/5
Farmers$6,692
NerdWallet rating 

4.5

/5
Geico$8,989
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.

CompanyRateNerdWallet Rating
Georgia Farm Bureau$1,966
NerdWallet rating 

2.5

/5
Central Insurance$2,476Not yet rated
Auto-Owners Insurance$2,717
NerdWallet rating 

5.0

/5
Country Financial$3,383
NerdWallet rating 

4.5

/5
Encompass$4,619
NerdWallet rating 

4.0

/5
Progressive$4,619
NerdWallet rating 

4.5

/5
State Farm$4,711
NerdWallet rating 

5.0

/5
Allstate$4,862
NerdWallet rating 

4.5

/5
Mercury$5,523
NerdWallet rating 

4.0

/5
Farmers$5,776
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.