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UPDATED: Nov 4, 2019
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Car insurance is crucial for driving in Atlanta! A bustling city of diversity, Atlanta, Georgia, is home to over 540,000 residents of every culture and ethnicity.
Much like its population, Atlanta is home to activities and events to satisfy every taste.
From parks, museums, and professional sports teams, to concert halls, shopping, and dining, residents and visitors alike will have plenty of entertaining events to choose from.
Learning More About Atlanta
The city is rich in American history. The Martin Luther King Jr. National Historic site chronicles the civil rights leader’s birth and participation in the movement.
The Margaret Mitchell House is most famous for the novel and movie, Gone with the Wind.
Stone Mountain Park is not only an amusement park but also a place where one of the battles was fought during the Civil War.
And then there is traffic.
Atlanta is notorious for being one of the most congested cities in the country.
Three main highways share the commute of Atlanta residents and those who live in the suburbs.
This has awarded Atlanta with the reputation of having long commutes. With this reputation also comes an increased rate of traffic accidents.
Driving the streets and highways of Atlanta without car insurance exposes drivers to financial catastrophe.
Traffic congestion and over half a million residents increase the likelihood of being involved in a five-car pileup or a simple fender bender.
Whatever the type of accident, drivers can drive worry-free with adequate car insurance.
Average car insurance premiums are typically higher in cities like Atlanta. However, residents can shop around for affordable rates.
Driving and Car Insurance Statistics for the City of Atlanta
Atlanta drivers spend close to an hour commuting to and from work every day.
This equals a high number of people on Atlanta roads during rush hour traffic, as well as at other times. The risk of being in an accident increases.
Atlanta is part of both Fulton and DeKalb counties.
In 2010, there were 72,346 reported car accidents–and 121 fatalities–in these counties. This is a clear example of why carrying sufficient car insurance is mandatory in Atlanta.
The numbers were slightly lower for 2009 within the city of Atlanta. The fatalities that were the result of car crashes included:
- 69 vehicles involved in a fatal accident
- 45 people died in those accidents
- 12 deaths were caused by drunk drivers
- 115 people were involved in fatal accidents
Insurance Requirements for Atlanta Drivers
The car insurance requirements for Atlanta are based on mandatory state car laws. Drivers must carry the minimum liability 25/50/25 coverage.
- $25,000 for bodily injury per person, per accident
- $50,000 for up to two people injured in an accident
- $25,000 for property damage
Atlanta residents have the option to self-insure their vehicle.
This eliminates the upfront costs of an insurance premium; however, they are financially responsible for the same liability limits in an insurance policy.
Many Atlanta drivers purchase more than the minimum coverage amounts because of the high risk of having an accident.
This provides added protection if medical bills and property damages exceed the policy limits.
Car insurance companies are required to report car insurance information for every vehicle licensed in the state of Georgia.
Through an electronic reporting system, the Motor Vehicle Division (MVD) keeps track of proof of insurance information. Residents can check the status of their insurance coverage online.
While the MVD maintains proof of insurance, motorists in Atlanta are encouraged to keep physical proof in their cars.
The state of Georgia requires all licensed insurance carriers to issue car insurance cards.
Drivers who are self-insured must keep the certificate of self-insurance in their cars.
This certificate, along with a self-insured insurance card, is issued by Georgia’s Office of Insurance and Safety Fire Commissioner.
A lapse in car insurance coverage could result in driver’s license suspension, a lapse fee, and a reinstatement fee.
Failing to maintain liability insurance or allowing the coverage to lapse on a car driven in Atlanta could lead to:
- Suspension of vehicle registration up to six months.
- A $25 fee for insurance coverage lapse.
- Up to $160 for a registration reinstatement.
- Misdemeanor charges if pulled over for a traffic violation or accident before registration reinstatement.
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Uninsured/Underinsured Motorist Bodily Injury insurance coverage is an additional option for Atlanta residents.
This type of insurance covers physical injuries to an insured driver and/or passengers resulting from an accident with a driver that does not have liability insurance.
This is not a requirement in Georgia; however, drivers should add this to their policy for additional protection. Insurance agents can advise drivers on the best coverage limits to consider for uninsured/underinsured car insurance.
Insurance Laws for Atlanta Residents
Atlanta drivers are required by Georgia law to maintain liability car insurance continuously.
The MVD is required by law to revoke or suspend any vehicle registration that does not have the mandatory coverage.
According to Georgia law, car owners and lessees must carry at least the minimum liability car insurance coverage to:
- Drive legally within the state
- Obtain up-to-date Georgia license plates and registrations
- Replace, transfer, or renew existing license plates
Non-motorized vehicles such as campers and trailers are exempt from registration and insurance coverage requirements.
Other vehicles exempt from these requirements include:
Georgia law also follows a Tort system.
This means that a driver must be found at-fault for the car accident. Both the driver and the insurance carrier are responsible for the bodily and property damages.
Car Insurance Companies Licensed in Georgia
Atlanta car insurance companies are required to be licensed with the Georgia Insurance and Safety Fire Commissioner to sell policies in the state.
They have 30 days from the date insurance coverage commences to comply. Reporting requirements also include terminations, additions or any other changes to existing insurance policies.
There are several local insurance companies that can provide the minimum state requirements for liability coverage. This include:
- Safe Auto
Generally, these insurance companies provide economic policies for drivers.
In most cases, these policies are for Atlanta residents who have past issues that might prevent them from obtaining coverage with traditional insurance companies.
Some of the national companies licensed to sell Atlanta car insurance in Georgia include:
Whether using a local or traditional insurance company, residents should take advantage of online websites.
These sites can provide free car insurance quotes to compare prices and policy features.
Average Car Insurance Rates for Atlanta Residents
The average Atlanta car insurance rate in the state of Georgia has decreased slightly in recent years. However, Atlanta residents still pay a higher premium than most areas.
This is due to the high population and other factors that can affect car insurance rates.
Typically, insurance companies consider a driver’s age, driving history, zip code and occupation to determine rates.
The average annual insurance rate in Atlanta was $1,460.79 in 2009 compared to $1,309.75 for the state.
Compare Quotes for Atlanta Car Insurance
Even in a heavily populated city like Atlanta, drivers can save money on car insurance rates.
Comparing quotes online offers drivers an advantage to select a policy without pressure from an insurance agent.
A driver determines how much insurance coverage he or she needs and selects the company that matches those needs.