Cheap Car Insurance Quotes in Atlanta, Georgia (2026)

The average cost of car insurance in Atlanta is $277, which is more expensive than Georgia’s average rate of $199. 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.

Auto-Owners, State Farm, and COUNTRY Financial 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.

	Full Coverage	Liability Only
Atlanta	$330	$225
Georgia	$239	$158
National average	$173	$99

Disclaimer: Table data is based on real-time Atlanta quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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.

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Full Coverage	Liability Only
Auto-Owners	$191	$112
State Farm	$204	$120
COUNTRY Financial	$207	$121
Mile Auto	$211	$132
Allstate	$223	$130
USAA	$239	$140
Mercury	$296	$187
Root	$305	$215
Progressive	$309	$172
Safeco	$333	$270
Direct Auto	$379	$235
National General	$385	$266
Clearcover	$395	$234
GEICO	$401	$226
AssuranceAmerica	$403	$258
Bristol West	$421	$226
GAINSCO	$440	$230
Mendota	$471	$277
Trexis One	$483	$272
Nationwide	$493	$289
The General	$498	$255

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $113/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $121/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $132/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $141/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $179/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $233/mo*
Overall rating 4.3 148 reviews	Overall rating 4.0 7,303 reviews	Overall rating 3.8 4,345 reviews	Overall rating 4.9 1,518 reviews	Overall rating 3.1 8,269 reviews	Overall rating 3.9 7,540 reviews
Value for money 3.5/5	Value for money 3.7/5	Value for money 3.3/5	Value for money 4.9/5	Value for money 3.0/5	Value for money 3.8/5
Customer service 3.5/5	Customer service 4.2/5	Customer service 3.8/5	Customer service 4.8/5	Customer service 3.4/5	Customer service 4.1/5
Claims handling 4.0/5	Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 4.9/5	Claims handling 3.3/5	Claims handling 4.1/5
Special highlight AI-generated from 148 user reviews Cheap rates	Special highlight AI-generated from 7303 user reviews Customer service	Special highlight AI-generated from 4345 user reviews Accident forgiveness	Special highlight AI-generated from 1518 user reviews Members of the military community	Special highlight AI-generated from 8269 user reviews Competitive rates	Special highlight AI-generated from 7540 user reviews Teen drivers

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for short-term car insurance: Hugo

Short-Term Car Insurance

Compare Quotes

User Reviews	4.6 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$310/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$NaN/mo

Details

Driver Reviews

4.6

Best choice in Atlanta, GABased on 202 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Atlanta for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Atlanta for

Micropayments

No down payments

Fast coverage

Showing 3 Georgia reviews for Atlanta drivers - See all 66 Hugo reviews

Michael

Verified Review

Affordable and convenient

Reviewed in Georgia on October 20, 2025

Wonderfully convenient.

Andrea

Verified Review

Excellent

Reviewed in Georgia on April 15, 2025

Hugo is awesome.

Donna

Verified Review

No Thanks

Reviewed in Georgia on April 2, 2025

In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Though not available nationwide, Hugo services residents of Georgia, offering short-term, on-demand car insurance. Atlanta drivers can enjoy lower-than-average rates for car insurance with Hugo, even with a speeding ticket on record. The ability to change your policy directly from your phone is convenient, as is the fee-free late premium payment. 

Pros

• Mobile app allows for easy policy management

• No penalties for late premium payments

Cons

• Not all plans available in Georgia

• SR-22 insurance not available

Best insurer for affordability: Auto-Owners

Affordability

Compare Quotes

User Reviews	4.3 148 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$112/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$191/mo

Details

Driver Reviews

4.3

Best choice in Atlanta, GABased on 323 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Atlanta for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Atlanta for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 148 Auto-Owners reviews

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

Norberto

Verified Review

Excellent

Reviewed in Florida on March 21, 2026

Definitely not the cheapest insurance you can buy.

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners utilizes independent agents in 26 states to write home, life, and auto insurance policies. It offers one of the lowest liability-only insurance averages in Atlanta, as well as many discounts, like paperless and paid in full. 

Pros

• Fewer-than-average number of customer complaints

• Multiple discounts available

Cons

• Must work with an independent agent

• Not the cheapest option for full-coverage policies

Best insurer for families: State Farm

Families

Compare Quotes

User Reviews	4.0 7,303 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$120/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$204/mo

Details

Driver Reviews

4.0

Best choice in Atlanta, GABased on 16,576 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Atlanta for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Atlanta for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Georgia reviews for Atlanta drivers - See all 7,303 State Farm reviews

William

Verified Review

Bicket Blurb

Reviewed in Georgia on March 17, 2026

Too high a premium for us older folks with no accidents, tickets, or DUIs (not only in three years but EVER!)

Janice

Verified Review

The only time I hear from them is during renewal.

Reviewed in Georgia on March 16, 2026

They are too expensive.

Tom

Verified Review

Get your act together

Reviewed in Georgia on March 14, 2026

Very poor. I’ve had State Farm for years and I just bought a new Tesla, and they want to charge me an additional $100 on top of a rate increase at the beginning of the year. I’m definitely looking for another insurance company. I have no DUI, no accidents.

Milton

Verified Review

Shining Like the Sun!

Reviewed in Georgia on March 10, 2026

I have had a good experience with State Farm! Thanks!

Isaac

Verified Review

Excellent

Reviewed in Georgia on February 28, 2026

Very friendly and knowledgeable.

Cathy

Verified Review

Sadly, rates are beyond affordable!

Reviewed in Georgia on February 25, 2026

Insurance coverage itself is really good. However, rates have increased beyond what I can currently handle.

Robert

Verified Review

They raised their rates four times over a six-month period for no reason, and I have a perfect driving record for 40 years. They claim it's the type of car, but it's not a Ferrari. My Corvette was three times cheaper at $120.00 per month versus $130, then they raised it to $220 a month for the new car.

Reviewed in Georgia on February 24, 2026

They raised their rates four times over a six-month period for no reason, and I have a perfect driving record for 40 years. They claim it's the type of car, but it's not a Ferrari. My Corvette was three times cheaper at $120.00 per month versus $130, then they raised it to $220 a month for the new car.

Donnie

Verified Review

Disappointed Senior

Reviewed in Georgia on February 24, 2026

They charge too much for senior citizens. What happened to a discount and the price of $29.99?

Gary

Verified Review

High Priced

Reviewed in Georgia on February 22, 2026

Promising discounts with the Drive Safe module, but no discounts were added for safe driving. It costs too much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm provides Atlanta families with some of the lowest auto rates in the city, including full-coverage policies and policies for teen and senior drivers. State Farm also has discounts designed for family members of all ages, including student discounts.

Pros

• Variety of family-focused discounts

• Good financial strength

Cons

• Gap insurance not available

• Low Trustpilot score

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]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per incident
Property damage liability	$25,000 per incident

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

• 

  Comprehensive coverage

  Comprehensive insurance covers incidents that collision coverage doesn’t, such as theft, fires, and vandalism.

• 

  Collision coverage

  Collision insurance covers the damages associated with your vehicle colliding with another vehicle, property, or object, like a telephone pole.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist insurance covers expenses related to damages that an uninsured driver causes to your car, you, or your passengers.

• 

  Medical payments coverage

  Medical payments coverage helps pay for medical expenses not covered by your health insurance for you and your passengers, even if you’re at fault.

• 

  Roadside assistance coverage

  Roadside assistance coverage can help if you get stuck due to problems like a flat tire or a dead car battery.

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.

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Liability rates start at $143 per month for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $289 per month, on average, for liability coverage. The insurers in the table below offer the cheapest quotes to drivers with speeding tickets.

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Record	With Ticket
Auto-Owners	$112	$148
State Farm	$120	$154
COUNTRY Financial	$121	$168
Allstate	$130	$172
Mile Auto	$132	$164
USAA	$140	$183
Progressive	$172	$221
Mercury	$187	$264
Root	$215	$290
Bristol West	$226	$288
GEICO	$226	$299
GAINSCO	$230	$278
Clearcover	$234	$307
Direct Auto	$235	$298
The General	$255	$345
AssuranceAmerica	$258	$332
National General	$266	$336
Safeco	$270	$360
Trexis One	$272	$350
Mendota	$277	$356
Nationwide	$289	$380

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

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

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 $318 per month for drivers with an accident.

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Record	With Accident
Auto-Owners	$112	$153
State Farm	$120	$164
COUNTRY Financial	$121	$172
Allstate	$130	$180
Mile Auto	$132	$184
USAA	$140	$194
Progressive	$172	$243
Mercury	$187	$291
Root	$215	$297
Bristol West	$226	$307
GEICO	$226	$304
GAINSCO	$230	$305
Clearcover	$234	$351
Direct Auto	$235	$331
The General	$255	$362
AssuranceAmerica	$258	$355
National General	$266	$365
Safeco	$270	$390
Trexis One	$272	$384
Mendota	$277	$391
Nationwide	$289	$402

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

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 $274 per month for liability policies.

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

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Record	With DUI
Auto-Owners	$112	$151
State Farm	$120	$162
COUNTRY Financial	$121	$157
Allstate	$130	$176
Mile Auto	$132	$179
USAA	$140	$189
Progressive	$172	$210
Mercury	$187	$264
Root	$215	$292
Bristol West	$226	$306
GEICO	$226	$302
GAINSCO	$230	$311
Clearcover	$234	$316
Direct Auto	$235	$318
The General	$255	$345
AssuranceAmerica	$258	$349
National General	$266	$360
Safeco	$270	$390
Trexis One	$272	$331
Mendota	$277	$337
Nationwide	$289	$391

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

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 $287 per month for full coverage and $196 per month for liability-only coverage. The table below shows what seniors may pay, on average, with different insurance companies.

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Auto-Owners	$89
State Farm	$95
COUNTRY Financial	$97
Mile Auto	$104
Allstate	$106
USAA	$114
Mercury	$150
Progressive	$150
GEICO	$180
Root	$180
Bristol West	$189
Direct Auto	$190
GAINSCO	$196
AssuranceAmerica	$202
Clearcover	$207
National General	$210
The General	$215
Nationwide	$222
Safeco	$237
Trexis One	$237
Mendota	$241

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: COUNTRY Financial

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 $589 for full coverage and $401 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.

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
COUNTRY Financial	$192
Auto-Owners	$224
State Farm	$231
Allstate	$255
USAA	$257
Mile Auto	$270
Progressive	$307
Mercury	$344
Root	$368
Clearcover	$382
Bristol West	$400
GEICO	$401
GAINSCO	$416
The General	$443
Direct Auto	$448
Trexis One	$485
Mendota	$494
AssuranceAmerica	$532
National General	$535
Safeco	$540
Nationwide	$561

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

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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.

The below rates in Atlanta, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Baxley	$97	$192
Elberton	$99	$197
Hartwell	$100	$170
Hazlehurst	$102	$208
Chatsworth	$107	$171
La Fayette	$107	$152
Toccoa	$107	$200
Americus	$108	$226
Eastman	$108	$191
Dalton	$109	$179
Blackshear	$109	$174
Waycross	$109	$183
Tunnel Hill	$110	$202
Douglas	$111	$183
Valdosta	$111	$178
Chickamauga	$111	$185
Montezuma	$112	$268
Ringgold	$113	$182
Jesup	$113	$198
Tifton	$114	$189
Rossville	$114	$173
Summerville	$115	$184
Moultrie	$116	$184
Ellijay	$116	$173
Thomasville	$117	$201
Sylvania	$117	$194
Brunswick	$118	$191
Kingsland	$118	$179
Cordele	$121	$200
Calhoun	$122	$206
Thomson	$123	$211
Perry	$123	$202
Waynesboro	$125	$212
Eatonton	$125	$209
Leesburg	$126	$226
Statesboro	$127	$236
Dublin	$127	$229
Cleveland	$129	$191
Tallapoosa	$130	$222
Adairsville	$131	$190
Jasper	$131	$220
Athens	$131	$213
Albany	$132	$239
Dawsonville	$132	$217
Cedartown	$133	$208
Lagrange	$134	$226
Dahlonega	$134	$210
Barnesville	$135	$248
Hinesville	$135	$235
Guyton	$136	$221
Thomaston	$136	$231
Franklin	$137	$226
Byron	$137	$224
Grovetown	$138	$218
Milledgeville	$138	$249
Flowery Branch	$139	$218
Hull	$139	$252
Richmond Hill	$139	$221
Fort Valley	$140	$239
Rome	$141	$212
Jefferson	$141	$215
Commerce	$141	$223
Columbus	$141	$229
Evans	$141	$215
Hoschton	$141	$228
Peachtree City	$142	$218
Hephzibah	$143	$233
Sharpsburg	$144	$221
Rincon	$144	$220
Rockmart	$144	$238
Lula	$146	$200
Canton	$147	$213
Augusta	$148	$228
Gainesville	$148	$225
Cumming	$151	$234
Cartersville	$151	$233
Bremen	$152	$273
Warner Robins	$154	$230
Winder	$154	$244
Jackson	$155	$267
Carrollton	$156	$229
Pooler	$156	$247
Port Wentworth	$157	$280
Newnan	$158	$233
Temple	$160	$265
Acworth	$161	$244
Braselton	$164	$227
Monroe	$165	$260
Kennesaw	$167	$255
Woodstock	$168	$234
Bethlehem	$168	$285
Alpharetta	$168	$240
Roswell	$170	$246
Villa Rica	$171	$255
Griffin	$173	$265
Savannah	$175	$275
Fayetteville	$177	$263
Buford	$181	$254
Smyrna	$183	$283
Hiram	$184	$256
Dacula	$184	$275
Locust Grove	$185	$281
Dallas	$189	$269
Marietta	$190	$268
Macon	$191	$279
Peachtree Corners	$192	$280
Auburn	$194	$261
Mableton	$195	$302
Mcdonough	$197	$300
Suwanee	$197	$280
Oxford	$198	$283
Douglasville	$198	$306
Lithia Springs	$198	$298
Lawrenceville	$200	$286
Loganville	$202	$292
Grayson	$202	$269
Duluth	$203	$290
Powder Springs	$205	$304
Lilburn	$206	$291
Snellville	$207	$321
Stockbridge	$209	$315
Hampton	$210	$314
Conyers	$210	$319
Norcross	$211	$303
Tucker	$212	$261
Conley	$212	$361
Fairburn	$215	$333
Covington	$221	$315
Austell	$222	$326
Jonesboro	$222	$336
Rex	$224	$327
Atlanta	$225	$330
Morrow	$226	$331
Union City	$229	$349
Ellenwood	$234	$349
Riverdale	$240	$358
Forest Park	$242	$344
Lithonia	$264	$383
Decatur	$264	$375
Stone Mountain	$266	$367
Clarkston	$279	$372

Disclaimer: Table data sourced from real-time Atlanta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Atlanta may vary based on the policy buyer's unique driver profile.

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