Key Takeaways
- Georgia Farm Bureau is the cheapest full-coverage car insurance provider, charging $131 a month. Auto-Owners leads the way for minimum coverage, charging $70.
- On average, Georgia drivers pay $138 a month for full coverage. This is significantly less than the nationwide average cost of $369.
- Auto-Owners has the best rates for drivers with speeding tickets, offering full coverage for $142 a month.
In this article
The cheapest car insurance companies in Atlanta, GA
For most Atlanta drivers, Georgia Farm Bureau is the cheapest car insurance option. The company leads the way for:
- Full coverage
- Senior drivers
- Young drivers
- Married drivers
- Drivers with bad credit
State Farm and Auto-Owners offer better rates in some instances, such as for minimum coverage or for drivers with speeding tickets and DUIs.
Which company is the cheapest for you? To find out now, compare car insurance quotes from several companies.
Georgia car insurance state minimums
Georgia requires all drivers to hold liability car insurance insurance that meets the following minimums:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Cheapest minimum-coverage auto insurance rates in Atlanta: Auto-Owners
Atlanta drivers will find the cheapest minimum-coverage car insurance at Auto-Owners, where the average monthly rate is $70.
Citywide, the average cost of minimum-coverage car insurance is $98 a month, so Auto-Owners offers a discount of nearly 30%.
| Insurance company | Monthly rate |
|---|---|
| Auto-Owners | $70 |
| Georgia Farm Bureau | $72 |
| State Farm | $92 |
| Progressive | $98 |
| Allstate | $126 |
| GEICO | $156 |
| USAA* | $71 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Find out how much you could save on car insurance
Cheapest full-coverage auto insurance rates in Atlanta: Georgia Farm Bureau
Georgia Farm Bureau leads the way for cheap full-coverage car insurance in Atlanta, offering a monthly rate of $131.
Atlanta’s average cost for full-coverage car insurance is $191 a month, meaning Georgia Farm Bureau’s rates are around 31% cheaper.
| Insurance company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $131 |
| Auto-Owners | $142 |
| State Farm | $152 |
| Allstate | $223 |
| Progressive | $223 |
| GEICO | $338 |
| USAA* | $126 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Full-coverage car insurance typically includes physical damage coverage, including collision and comprehensive, in addition to the state-required liability minimums. Georgia drivers may also add coverage for uninsured motorists.
No state requires full coverage, but some lenders and lessors do. And it’s often recommended for drivers with new or expensive cars.
Cheapest car insurance in Atlanta for drivers with bad credit: Georgia Farm Bureau
Drivers with bad credit will find the best deal on car insurance at Georgia Farm Bureau, which charges $131 a month for full-coverage policies.
This city-leading rate is the same as it is for drivers with good credit, which isn’t entirely common. Often, drivers with bad credit pay more due to studies showing a correlation between credit scores and driving risk.
| Insurance company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $131 |
| State Farm | $191 |
| Auto-Owners | $209 |
| Allstate | $262 |
| Progressive | $272 |
| GEICO | $349 |
| USAA* | $156 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
Auto-Owners, Georgia Farm Bureau and State Farm offer the cheapest auto insurance for drivers with a prior incident.
Auto-Owners and Georgia Farm Bureau lead the way for those with speeding tickets, while Georgia Farm Bureau tops the list for those with at-fault accidents. State Farm has the best rates for those with DUIs.
Cheapest for drivers with a speeding ticket: Auto-Owners
Auto-Owners and Georgia Farm Bureau both have the most affordable car insurance rates for drivers with a speeding ticket on their records. Each company charges $142 a month for full-coverage policies.
In Atlanta, drivers with a speeding ticket pay $220 a month, on average — 15% more than the $191 drivers with a clean record pay.
| Insurance company | Monthly rate |
|---|---|
| Auto-Owners | $142 |
| Georgia Farm Bureau | $142 |
| State Farm | $163 |
| Allstate | $255 |
| Progressive | $301 |
| GEICO | $380 |
| USAA* | $158 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: Georgia Farm Bureau
Georgia Farm Bureau is the cheapest car insurance option for drivers with an at-fault accident, charging an average $142 a month.
That’s over 50% cheaper than the citywide average, which is $290 a month.
| Insurance company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $142 |
| State Farm | $177 |
| Auto-Owners | $212 |
| Allstate | $363 |
| Progressive | $380 |
| GEICO | $566 |
| USAA* | $191 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
State Farm leads all providers with the lowest car insurance rates for those with a DUI. On average, the company charges $163 a month.
In Atlanta, the average driver with a DUI pays $364 a month for car insurance. Compared to $191 — the average for drivers with a clean record — that’s a 91% increase.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $163 |
| Georgia Farm Bureau | $249 |
| Auto-Owners | $288 |
| Allstate | $309 |
| Progressive | $345 |
| GEICO | $943 |
| USAA* | $253 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Compare auto insurance quotes from top providers
Cheapest car insurance for senior drivers: Georgia Farm Bureau
Georgia Farm Bureau offers the cheapest car insurance premiums for senior drivers, with rates averaging $121 a month.
That city-leading rate is $10 lower than it is for 35-year-old drivers. This is because, in many cities, senior drivers are seen as being reliable, safe and cheap to insure.
| Insurance company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $121 |
| State Farm | $142 |
| Auto-Owners | $151 |
| Progressive | $193 |
| Allstate | $233 |
| GEICO | $236 |
| USAA* | $121 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: Georgia Farm Bureau
Georgia Farm Bureau also has the cheapest car insurance for young drivers. For minimum coverage, the company offers a monthly rate of $166. For full coverage, that number is $318.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| Georgia Farm Bureau | $166 | $318 |
| Auto-Owners | $226 | $413 |
| State Farm | $252 | $422 |
| GEICO | $404 | $871 |
| Allstate | $428 | $804 |
| Progressive | $486 | $1,051 |
| USAA* | $167 | $292 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers: Georgia Farm Bureau
Married drivers should head to Georgia Farm Bureau for affordable insurance, where they’ll find a city-leading rate of $131 a month.
Married drivers in Atlanta enjoy lower average auto insurance costs — $170 a month compared to $191 a month for singles.
| Insurance company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $131 |
| Auto-Owners | $142 |
| State Farm | $152 |
| Progressive | $185 |
| Allstate | $221 |
| GEICO | $241 |
| USAA* | $115 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Car insurance laws in Georgia
No-fault car insurance
Georgia is an at-fault (or tort) state for car insurance, meaning the driver deemed responsible for an accident is legally obligated to pay for the victim’s costs.
Financial Responsibility Insurance Certificate (SR-22)
An SR-22 is a form sometimes required for drivers returning from license suspensions or revocations, which proves that a driver’s insurance meets the state-required minimums.
Atlanta car insurance: FAQs
Georgia Farm Bureau has the cheapest car insurance in Atlanta, offering full coverage for $131 a month. Auto-Owners, meanwhile, leads the way for minimum coverage, charging $70 a month.
For full coverage, the average cost of car insurance in Atlanta is $191 a month. For minimum-coverage car insurance, the average cost is $98 a month.
State Farm has the cheapest car insurance rates for drivers in Atlanta with a DUI, offering a monthly rate of $163 for full coverage.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Atlanta, Georgia.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Atlanta
- Augusta
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