State Farm and USAA are the cheapest car insurance providers in Atlanta. We found that State Farm has an average auto insurance rate of $166 a month and USAA has an average rate of $177 a month.
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Atlanta's cheapest car insurance companies
State Farm has the lowest car insurance rates for Atlanta drivers looking for either minimum- or full-coverage policies. USAA has the second-lowest rates in both policy categories, though it only provides auto insurance to current or retired military members or eligible relatives. If you're not in the military, Farm Bureau is another option for cheap car insurance in Atlanta.
Cheapest minimum-coverage car insurance in Atlanta
State Farm has the cheapest rate available for drivers in Atlanta needing minimum-coverage car insurance, with an average of $166 a month. USAA has the second-lowest average rate of $177 a month. To compare, Georgia drivers overall pay an average of $254 a month for minimum-coverage car insurance.
| Company | Monthly rate |
|---|---|
| State Farm | $166 |
| USAA | $177 |
| Farm Bureau | $185 |
| Allstate | $237 |
| Progressive | $277 |
| Auto-Owners | $343 |
| GEICO | $396 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Georgia state law requires drivers to meet the mandatory requirements for liability car insurance coverage in order to drive legally. Georgia's current requirements are:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $25,000
Georgia also requires drivers to carry the following limits of uninsured motorist coverage:
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
- Uninsured motorist property damage: $25,000
Cheapest full-coverage car insurance in Atlanta
Atlanta drivers find the lowest rates for full-coverage car insurance with State Farm at $192 a month. USAA has the next-cheapest average rate at $205 a month. Farm Bureau also offers cheap car insurance in Atlanta, with an average rate of $207 a month for full-coverage policies. Overall, Georgia drivers pay an average of $301 a month for full-coverage car insurance
| Company | Monthly rate |
|---|---|
| State Farm | $192 |
| USAA | $205 |
| Farm Bureau | $207 |
| Allstate | $277 |
| Progressive | $364 |
| Auto-Owners | $395 |
| GEICO | $469 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance combines liability coverage with collision and comprehensive coverages. Full-coverage car insurance is valuable because minimum-coverage auto insurance only covers damages and injuries to others in the event of an accident. You need full-coverage auto insurance to have your own injuries or repairs covered.
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Cheapest car insurance rates in Atlanta after an accident or speeding ticket
Farm Bureau offers the cheapest average rates for drivers looking for car insurance in Atlanta after an accident at $158 a month. State Farm is the next-cheapest company in this situation at $181 a month.
| Company | Monthly rate |
|---|---|
| Farm Bureau | $158 |
| State Farm | $181 |
| USAA | $188 |
| Auto-Owners | $271 |
| Allstate | $286 |
| Progressive | $345 |
| GEICO | $392 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you're an Atlanta driver looking for cheap auto insurance after a speeding ticket, the lowest average rate is with USAA at $154 a month. If you're not in the military, however, your best available rate is with Farm Bureau at $158 a month.
| Company | Monthly rate |
|---|---|
| USAA | $154 |
| Farm Bureau | $158 |
| State Farm | $166 |
| Allstate | $214 |
| GEICO | $270 |
| Auto-Owners | $271 |
| Progressive | $282 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Atlanta drivers after a DUI
If you're a driver in Atlanta with a DUI on your record, your cheapest car insurance rate is with State Farm at $166 a month. The second-cheapest rate is with USAA at $242 a month, then Allstate at $258 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $166 |
| USAA | $242 |
| Allstate | $258 |
| Progressive | $270 |
| Farm Bureau | $278 |
| Auto-Owners | $560 |
| GEICO | $682 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In Georgia, a DUI stays on your insurance driving record for up to three years. Penalties for a first-time DUI offense include:
- Possible jail time up to a year
- $300 to $1,000 in fines
- Up to one year license suspension
- Minimum of 40 years of community service
- $210 license reinstatement fee
If your license is suspended, you will need to file an SR-22 to get it reinstated. An SR-22 is a form that proves you carry Georgia's minimum car insurance limits. State law requires you to carry an SR-22 for three years.
Cheapest car insurance for Atlanta teens
Atlanta teen drivers find their lowest average rates for car insurance with USAA at $320 a month. For civilian drivers, State Farm has the lowest rate at $419 a month.
| Company | Monthly rate |
|---|---|
| USAA | $320 |
| State Farm | $419 |
| Farm Bureau | $469 |
| Allstate | $620 |
| GEICO | $806 |
| Auto-Owners | $911 |
| Progressive | $1,010 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you're an teen driver in Atlanta looking for full-coverage auto insurance, your lowest rates are with USAA at $372 a month and State Farm at $486 a month.
| Company | Monthly rate |
|---|---|
| USAA | $372 |
| State Farm | $486 |
| Farm Bureau | $527 |
| Allstate | $736 |
| GEICO | $963 |
| Auto-Owners | $1,059 |
| Progressive | $1,329 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
You'll notice that the average car insurance rates for teens in Atlanta are much higher than the city's overall average rates. This is because car insurance providers consider teens to be high risk because of their inexperience behind the wheel.
If possible, consider getting added to a parent's car insurance policy. This will save you a considerable amount of money on your annual premium.
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Cheapest car insurance for Atlanta seniors
Senior drivers in Atlanta find the cheapest minimum- and full-coverage car insurance rates with State Farm, at $127 a month for minimum-coverage and $146 a month for full-coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $127 |
| Farm Bureau | $144 |
| USAA | $145 |
| Progressive | $189 |
| Allstate | $192 |
| Auto-Owners | $244 |
| GEICO | $302 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Monthly rate |
|---|---|
| State Farm | $146 |
| Farm Bureau | $161 |
| USAA | $168 |
| Allstate | $224 |
| Progressive | $248 |
| Auto-Owners | $280 |
| GEICO | $356 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Atlanta's minimum car insurance limits
Georgia state law requires drivers to carry the following minimum liability insurance limits:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $25,000
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
- Uninsured motorist property damage: $25,000
While you're required to carry these limits of coverage by state law, they should not be considered adequate. The required limits for liability car insurance can quickly be exhausted if your insurance provider has to pay for a long hospital stay or court case. Any expenses over your coverage limits will come out of your pocket. To avoid this, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Atlanta ZIP code to find the cheapest auto insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Full-coverage policies include the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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