Find Car Insurance in Atlanta, GA
What You Should Know About Car Insurance in Atlanta, GA
Atlanta’s prominence is multi-faceted. The city was front and center during and after the Civil War as the U.S. established its identity, and the birthplace of Martin Luther King Jr. played a vital role in the Civil Rights Movement of the 20th Century. The capital of Georgia is home to Hartsfield-Jackson Atlanta International Airport, one of the busiest airports in the world, which transports over 100 million passengers yearly. Located on the foot of the Appalachian Mountains in the southeast of the U.S., the city is just a short flight from most parts of the country and an excellent option for overseas travelers.
Over a dozen Fortune 500 companies call this great city home, including the likes of Home Depot, UPS, Delta Airlines, and Coca-Cola. The most populous municipality in the state hosts world-famous professional sports teams such as the Hawks, Falcons, Braves, and Dream. Over 50 schools of higher learning with more than 250,000 students are located in Atlanta. Travel this powerhouse of a city after talking to an expert agent who is waiting to help you find the best auto insurance at the best price in Georgia.
How Much Does Car Insurance Cost in Atlanta, Georgia?
If you look around the country, you will notice that car insurance in Georgia is not very costly compared to other areas. The U.S. average for a full coverage policy costs approximately $2,014, while fulfilling basic requirements and obtaining minimum liability coverage comes at a price of $622. In Georgia, you would pay $2,085 and $639 for those same policies.
Why Is Insurance in Atlanta So Expensive?
Although rates in the state are pretty much in line with the national average, Atlanta drivers pay higher premiums. There are several reasons for this, but high accident rates and a high percentage of uninsured/underinsured drivers play an important role in premium costs. In 2024, there were 33,459 accidents in Atlanta, resulting in 58 deaths. Over 18% of the drivers in the state are uninsured, and many more are underinsured. Insurers must cover the cost of all of these accidents, which forces them to increase rates to cover their losses.
Affordable Car Insurance Rates Comparison by Cities in Atlanta
As mentioned, Atlanta residents typically pay higher premiums than those of other municipalities in Georgia. The following chart compares monthly rates between Atlanta and other cities in the vicinity.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Atlanta | $192 | $71 |
| Alpharetta | $140 | $52 |
| Dacula | $151 | $57 |
| Lawrenceville | $155 | $61 |
| Marietta | $158 | $62 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Atlanta
You can make a dent in these high rates if you bundle your home and auto insurance. Bundling is when you get more than one policy from the same provider, which saves you the hassle of being busy with more than one insurer and lets you pay for all your policies at once instead of having to deal with bills from several carriers. But bundling also helps you cut your rates by 5% to 25%.
If you need both homeowners insurance and car insurance, you should strongly consider bundling your policies. Although it takes a lot of effort to price shop both policies to find the insurer that offers the best premiums and the highest bundling discount, there is no need to worry about that at all. Your InsureOne agent will do all of that work for you, so you can relax and expect your agent to present you with a customized package of policies at the best rates available.
What Types of Car Insurance Discounts Are Available in Atlanta?
Bundling is not the only way to lower your insurance premiums and beat the high rates in Atlanta. Most providers offer a host of discounts based on various criteria. Although each carrier offers different discounts, the following are some of the fairly common ones in the industry:
- Auto-pay discount
- Anti-theft discount
- Military discount
- Premium up-front discount
- Safety feature discount
Notable Car Insurance Laws in Atlanta
Georgia is an at-fault state with many insurance laws that all of its cities must follow. Here are some of the state guidelines that shape the insurance industry in Atlanta.
What Are the Mandatory Car Insurance Requirements in Atlanta?
Motorists without coverage present a financial hazard to other drivers. If they cause an accident and cannot pay for the resulting damages, the other driver would have to cover their losses on their own, which is totally unfair. Therefore, states impose requirements for minimum policy levels for their drivers. The following are the basic coverages Georgia motorists must obtain:
- $25,000 liability coverage for bodily injury per person
- $50,000 liability coverage for bodily injury per accident
- $25,000 liability coverage for property damage
What Is the Penalty for Driving Without Insurance in Atlanta?
Given the severe impact an uninsured motorist can have on others, driving without a policy in place is generally considered a serious violation. These are the fines that may be imposed on those caught for the first time driving without coverage:
- A misdemeanor charge
- Fines of up to $1,000
- Registration suspension
- License suspension
A second offense would trigger a requirement for an SR-22 form to be filed and increased fines. In all likelihood, this would also lead to higher premiums. A driver who has a policy but lets it lapse would be subject to the following:
- An $85 fee
- A $160 reinstatement fee if you get two such violations in five years
Do Atlanta-Specific Laws Play a Role in Determining Your Insurance Premiums?
Before giving you a quote, insurers gather information about your neighborhood and the drivers and vehicles on your policy. Some states feel the criteria should only include factors closely related to what might affect the insurer’s liability, like the type of car you drive or the theft rate in your area, while others allow companies to decide based on more trivial matters, such as what you do for a living. Georgia does not allow insurers to consider your occupation, employment status, or education level, but it does allow the following:
- Credit history
- Age
- Driving experience
- Gender
- Marital status
What Is the Best Car Insurance for Teenagers and Their Family in Georgia?
As mentioned, age and driving experience play a role in how much your insurer will charge you for a policy. If you have a teen driver in the family, they are both very young and have little driving experience, so your insurer will consider them a risk and raise your premiums significantly. Therefore, you should look into these tips to try to limit the cost as much as possible:
- If your teenager is in school, try to find a carrier that offers student discounts.
- Add your child to your policy instead of getting them a separate one — your driving record will limit the increase.
- Get them an affordable car that will not be too expensive for the insurer if your teen causes an accident.
- Ask your agent if a defensive driving course will help reduce costs or if they have any other discounts available for teens.
At InsureOne, we realize the challenge of insuring your teen at an affordable rate. Our expert agents help you find the best auto insurance with customizable options that best meet your needs, regardless of your children’s ages.
Typical Driving Conditions in Atlanta
Though the city has over half a million residents, Atlanta is still growing quickly, increasing infrastructure, and improving its aging roadways. With over six million residents living in the Atlanta Metro area, the highways that run through the city are often congested, as are the local roads, especially in the downtown area. In addition to rush hour, many residents do their midday shopping in town, and the many college students run on a different schedule than the business community. Rain, professional sports venues, and ongoing construction are a few of the many occurrences that further exacerbate the traffic issue.
How Many Car Accidents Happen in Atlanta Per Year?
As mentioned, the highways and local roads in the city are busy at all hours of the day and into the night. One of the disadvantages of living or working in Atlanta is that there are many accidents in town, as reported by the Georgia Department of Transportation’s crash data portal. These are the state’s numbers for 2024:
| City | Total Crashes |
|---|---|
| Atlanta | 33,459 |
| Alpharetta | 2,018 |
| Dacula | 304 |
| Lawrenceville | 2,680 |
| Marietta | 3,756 |
How Many Uninsured/Underinsured Motorists Are in Atlanta?
For 2023, the Insurance Information Institute reported that 19% of the state’s motorists did not have auto insurance, a slight increase from the previous year’s 18.1%. The growing number of uninsured drivers, coupled with the high number of accidents in Atlanta, presents an increased possibility of getting hit by a driver who does not have any coverage. Ask your agent how you can cover yourself and your vehicle by adding uninsured/underinsured motorist coverage to your policy.
Get Covered by the Best Car Insurance in Atlanta, Georgia, Today
Atlanta is a successful city with lots of employment, learning institutions, entertainment, and local professional sports teams. It is a regional economic and educational powerhouse. But with success often comes challenges. The congested roads lead to many accidents, which underscores the importance of obtaining a car policy that will protect your vehicle and its passengers from financial loss.
Expect friendly, personalized service from our expert agents at InsureOne. We are a one-stop shop for all your insurance needs, and we customize all of your policies to your preferences. To start taking advantage of our concierge services, stop by one of our physical locations, call us at (800) 836-2240, or visit our website.