Best Auto Insurance Rates in Atlanta, Georgia

Compare Auto Insurance in Atlanta

Thursday, May 24 2018 By Larry Canonica

Atlanta, Georgia is an economic hotspot, and the Hartsfield-Jackson Airport is the America’s busiest for 17 years running. Atlanta drivers commute hundreds of thousands of miles a year, and if you’re one of them, you’ll want affordable car insurance rates.

Average Atlanta Car Insurance Rates

How much is car insurance in Atlanta, GA? Drivers shouldn't be surprised to learn the average cost of insurance coverage here is higher than both the national and state average. The average price in Atlanta is $1,746 a year for men and $1,707.33 for women. The average cost of auto insurance in Georgia is $896.50. The national average price is $889.01

Prices may vary depending on multiple factors including: your driving record and the total number of claims filed in your zip code.

Atlanta, GA Average Annual Car Insurance Rates

Coverage	Men	Women
Liability	$960.20	$961.93
Collision	$577.53	$549.13
Comprehensive	$208.27	$196.27
Total Cost Per Year	$1,746	$1,707.33
Price Per Month	$145.50	$142.28
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Atlanta. They also own a 2010 Honda Accord. Our rate profiles include currently insured males and females, with a clean driving record and drive less than 10,000 annual miles. Coverage includes Georgia state liability minimum of $25,000/$50,000/$25,000 and 25/50/25 underinsured motorist coverage with $10,000 personal injury protection. Plus a $500 comprehensive and collision deductible.

The graph below shows the change in Georgia's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Georgia car insurance rates increased from $754 in 2011 to $896 in 2015, a jump of $142, or 18.89 percent.

QuoteWizard helps consumers compare insurance quotes from both national carriers and local independent agents. Comparing quotes can help you find cheap car insurance rates near Atlanta, Georgia and save up to 40% on your premium.

Last year, 22,091 people used QuoteWizard to compare car insurance quotes in Atlanta, GA from multiple companies.

Best Car Insurance Companies in Atlanta

These are the most popular car insurance companies reported by QuoteWizard users in Atlanta, GA last year when they requested a quote.

Other popular Atlanta car insurance companies: AAA, MetLife, Country Financial, Safeco, Travelers, 21st Century, Georgia Farm Bureau,and Hartford.

Top 10 Vehicles in Atlanta

These are the most popular car makes and models owned by Atlanta drivers requesting quotes through QuoteWizard in the past year.

Atlanta Drivers

Allstate Insurance ranked Atlanta, GA 182nd out of 200 in its Safe Driver Report. Most drivers go ten years without having an accident. Drivers here are involved in crashes every 6.6 years.

Driving Conditions

Factors that can affect insurance rates are the driving conditions.

Weather

Atlanta, GA weather varies more than many drivers realize. Most of the year may be warm but it freezes 48 days a year. It even snows here. Ice storms are more common (and much more dangerous). It also rains throughout the year. This can make local roads slick and treacherous.

Road Conditions

Like most big cities, Atlanta is behind in road maintenance. The result is an abundance of potholes and driver frustrations. Don't expect road conditions to improve anytime soon. Atlanta ranks 50th in per capita spending on roads and highways despite having the 10th largest highway system of any metropolitan area in the US. Trip reports that 21% of this city's major roads and highways are in poor condition. Another 27% are mediocre. The condition of the roads costs drivers $502 a year in additional vehicle operating costs.

Traffic Congestion

Atlanta ranks 13th for worst traffic congestion in the US. An average commuter spends an extra 33 minutes per hour stuck in traffic for every 30 minutes spent driving during peak hours. An extra 125 hours a year is wasted for commutes lasting 30 minutes.

Moving Violations

Moving violations like speeding, running a red light, at-fault accidents, and drunk driving can add points to your driver's license and give you a bad driving record. Too many points and your insurer will consider you a high-risk driver and charge you higher rates.

Traffic Tickets

The Atlanta Municipal Court website allows you to pay traffic tickets. It also tells drivers how to contest tickets and provides helpful traffic court information.

Atlanta police wrote more than 162,000 traffic tickets in 2012. This was an increase of 34% over the number of citations written in 2010.

DUI Arrests

Atlanta Police recorded 582 DUI arrests through the DUI Task Force in 2012. Atlanta has good public transit and offers rideshare services such as Lyft and Uber, so there’s no reason to risk a DUI. Paying for a ride home will always cost much less than a DUI.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Atlanta DUI insurance.

Traffic Fatalities

Atlanta experienced 50 deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 4.47 per 100,000 residents. Considering Atlanta’s estimated population of 472,522, it’s a safe city in terms of traffic deaths.

Vehicle Theft Rates

Atlanta Police recorded 4,392 vehicle thefts in 2016. This is a rate of 9.47 thefts per 1,000 residents. This is an astonishingly high number when you consider that the national average is 2.20 thefts per 1,000 people.

Legal Minimum Insurance Requirement

Atlanta, Georgia has a minimum liability coverage requirement known as the 25/50/25 rule. This means each policy must include at least the following three components:

• Individual Bodily Injury Liability (BIL): $25,000.
  The most your insurance company will pay for an individual person injured in a car accident.
• Total Bodily Injury Liability: $50,000.
  The maximum insurers will pay for every person injured in a car accident.
• Property Damage Liability (PDL): $25,000.
  The total your carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. Below are some of the car insurance discounts available to Atlanta, GA drivers depending on your carrier. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can knock as much as 15% off your insurance bill
2. Maintain at least a B grade point average in school to qualify for the good student discount
3. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
5. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
6. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
7. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
8. Drive less. Live close to work, take the bus more, etc. and you might qualify for the low mileage discount
9. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
10. Shop around and compare cheap auto insurance quotes in Atlanta and discover every discount you've been missing out on

Car insurance agents near Atlanta, GA:

Sources:

• Atlanta Municipal Court - City of Atlanta
• Atlanta Georgia Crime Rates
• United States Census Bureau - Atlanta, GA
• National Highway Traffic Safety Administration
• TRIP Urban Roads Report Appendix A
• TRIP Urban Roads Report Appendix C

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