Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • Atlanta, Georgia, is a large city with a lot of traffic
  • Accidents happen often in Atlanta, so drivers need to carry proper car insurance
  • There are plenty of insurance carriers, both locally and nationally known, to meet drivers’ needs with regard to coverage

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.

Compare car insurance quotes for FREE by entering your zip code into the search tool at the top of this page!

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.

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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.

Monthly Atlanta, GA Car Insurance Rates by ZIP Code

Find more info about the monthly Atlanta, GA auto insurance rates by ZIP Code below:

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Atlanta, GA Car Insurance Rates by Company vs. City Average

The cheapest Atlanta, GA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Georgia car insurance company rates?” We cover that as well.

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The Cheapest Atlanta, GA Car Insurance Rates by Credit Score

Your credit score will play a major role in your Atlanta, GA car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Atlanta, Georgia car insurance rates by credit score below.

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Atlanta, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Atlanta, GA against other top US metro areas’ auto insurance rates.

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The Cheapest Atlanta, GA Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Atlanta, GA car insurance rates. Find the cheapest Atlanta, Georgia car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Atlanta, GA

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Atlanta. GA does use gender, so check out the average monthly car insurance rates by age and gender in Atlanta, GA.

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Atlanta, GA Car Insurance Rates by Company and Age

Atlanta, Georgia car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest Atlanta, GA Car Insurance Rates by Driving Record

Your driving record will affect your Atlanta car insurance rates. For example, a Atlanta, Georgia DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Atlanta, Georgia car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Atlanta, GA

Factors affecting car insurance rates in Atlanta, GA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Atlanta, Georgia car insurance.

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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

Car 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.

This includes:

  • $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 for 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.

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.

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Car 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:

  • Bicycles
  • Mopeds
  • Snowmobiles
  • All-terrain

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 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
  • Esquire
  • PeachState

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:

  • State Farm
  • AllState
  • Geico
  • Progressive
  • 21st Century
  • Amica

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.

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.

Receive car insurance quotes from multiple companies just by entering your zip code!