Cheap Car Insurance Quotes in Atlanta, Georgia (2025)

The average cost of car insurance in Atlanta is $279, which is more expensive than Georgia’s average rate of $207. Atlanta is the capital city and the largest city in the state, with a population of around 500,000. Its size and high volume of traffic could contribute to its higher car insurance costs.

Progressive, Mile Auto, and Auto-Owners are the cheapest car insurance companies in Atlanta. But you may be able to find cheaper rates if you compare car insurance quotes from multiple insurance companies before buying a policy.

How much is car insurance in Atlanta, GA?

Atlanta drivers pay much higher car insurance rates than drivers in other Georgia cities. Atlanta’s rates are also significantly higher than the national average. See how Atlanta car insurance rates compare in the table below.

Cheapest car insurance companies in Atlanta

No single insurance company will be the cheapest for every driver. If you’re looking for cheap car insurance in Georgia, start your search with the insurers in the table below.

Best car insurance companies in Atlanta 

With so many auto insurers in Atlanta, it can be difficult to know the right one for you. You should consider factors other than price, such as discounts and coverages, when comparing insurance companies to find the best car insurance in Georgia for your needs.

Best insurer for short-term car insurance: Hugo

Best insurer for affordability: Auto-Owners

Best insurer for families: State Farm

How to get the cheapest car insurance in Atlanta

Many factors affect how much you pay for car insurance, but the insurer you choose is the most important. Many have unadvertised discounts that can help you save money. Others may price their rates low to combat the highly saturated market.

Consider these tips when shopping for the cheapest car insurance in Atlanta:

• Raise your deductible. Low deductibles have higher premiums because your insurer is paying more money during a claim. Increasing your deductible can lower your rate by assuming more out-of-pocket expenses for a claim.

• Bundle car insurance with another policy. Many insurers offer discounts when you have multiple policies with them. This could be with policies that include two vehicles or a bundle of auto and homeowners insurance.

• Comparison shop. Getting new quotes each year can help you find the insurer offering the best rates for the auto coverage you need.

Car insurance requirements in Georgia

Georgia requires the following minimum insurance requirements for all registered vehicles:1

Georgia doesn’t require these additional coverages, but state officials recommend that drivers consider carrying the following types of insurance:

Cheapest car insurance for drivers with an incident

Getting cited for a driving infraction or incident can increase your auto premiums even if you’re normally a safe driver. Many drivers know that an at-fault accident will increase rates, but even speeding tickets can increase your car insurance rates in Atlanta. Typically, the worse the moving violation, the more drastic your car insurance increase will be.

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speed is a significant contributing factor in traffic fatalities, which is one reason why insurers may consider you a higher-risk driver even if you weren’t involved in a collision.2 Speeding increases the likelihood of an accident, so insurers will likely increase your rates to compensate for this added risk.

Drivers in Atlanta with a speeding ticket pay $292 per month, on average, for liability coverage. The insurers in the table below offer the cheapest quotes to drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Since 2017, fatal car crashes have increased in Atlanta, while the total number of reported crashes has remained similar.3 You don’t need to be in a major accident for your car insurance to go up. Even a single claim for an at-fault fender bender could cause your rate to increase. Most at-fault accidents will stay on your record and affect your premium for three years.4

Liability insurance in Atlanta costs an average of $320 per month for drivers with an accident.

Cheapest car insurance for drivers with a DUI: Mile Auto

DUIs can result in severe injuries, property damage, and death, which is why it’s often an incident that significantly increases car insurance rates. DUIs can also result in insurers canceling your policy.

Atlanta drivers with a DUI pay an average of $385 per month for liability policies.

The insurers below offer affordable insurance coverage to drivers with a DUI on their records.

Cheapest car insurance for seniors: Progressive

Senior drivers typically have the most driving experience. Unfortunately, physical impairments like decreased vision and cognition can increase the likelihood of an accident. That’s why it’s common for drivers to see rate increases around age 70.5

Senior drivers in Atlanta pay an average of $280 per month for full coverage and $210 per month for liability-only coverage. The table below shows what seniors may pay, on average, with different insurance companies.

Cheapest car insurance for teens: Progressive

Teenagers are at a greater risk of accidents and fatal crashes than older drivers. Their inexperience, overconfidence, and distractions can increase their risk, which is why car insurance rates are often highest for this age group.6

Atlanta teens pay average monthly rates of $569 for full coverage and $427 for liability-only coverage.

Even with high rates, some teens can get lower premiums by staying on their parents’ policies, driving cars with high safety ratings, getting pay-per-mile insurance, or applying for good student discounts.

Atlanta car insurance quotes by credit tier

Georgia insurers are permitted to use credit scores as one of many factors influencing how they price a premium. But it’s illegal for insurers to use it as the sole basis for making an underwriting decision.7 Drivers with poor credit scores typically pay higher rates than drivers with excellent or good credit scores.

Cost of car insurance in other Georgia cities

Looking at other cities in Georgia, you’ll find lower auto rates in many popular cities. For example, Savannah’s rates may be lower due to its compact and pedestrian-friendly city center.