Cheap Car Insurance in Atlanta

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Atlanta

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The highly populated city of Atlanta comes with a highway hub, multi-level interchanges and heavy congestion along the Downtown Connector where Interstates 75 and 85 meet. Atlanta’s metro area covers a large geographic region, often requiring long commutes between locations. Not to mention the potential weather hazards such as heavy rainfall.

Because the city is densely populated, Atlanta drivers may pay more for car insurance than those in more rural areas, so it’s wise to comparison shop to find the cheapest policy.

We’ve compiled data from real Jerry customers to show you how your age, driving history and coverage needs can change the amount you’re quoted for a policy in Atlanta. 

Cheapest minimum coverage insurance in Atlanta

Georgia requires drivers to have these minimum coverages:

  • Bodily injury liability of $25,000 per person and $50,000 per incident.
  • Property damage liability of $25,000 per incident.

Here are the average costs that insurers quote to Atlanta drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Dairyland $161 $1,927 Atlanta, GA
Safeco $173 $2,081 Atlanta, GA
Progressive $274 $3,283 Atlanta, GA
First Acceptance $286 $3,437 Atlanta, GA
Assurance America $290 $3,484 Atlanta, GA
National General $312 $3,749 Atlanta, GA
Gainsco $377 $4,519 Atlanta, GA
Trexis $391 $4,692 Atlanta, GA
The General $407 $4,880 Atlanta, GA
Root $455 $5,460 Atlanta, GA
Last Updated May 27, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Atlanta

The Atlanta area has been known to occasionally flood and, like many urban areas, the city sees its spates of car theft. The minimum insurance for Georgia doesn’t cover these situations. Full coverage protects your vehicle if it’s stolen, vandalized or flooded and pays for repairs to your car after an accident, regardless of who’s at fault.

This table shows the average full coverage insurance costs for Atlanta drivers, from cheapest to most expensive, according to Jerry’s aggregate quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Bluefire $171 $2,049 Atlanta, GA
Dairyland $372 $4,468 Atlanta, GA
Progressive $421 $5,057 Atlanta, GA
Assurance America $476 $5,711 Atlanta, GA
Safeco $485 $5,817 Atlanta, GA
National General $494 $5,922 Atlanta, GA
Electric $533 $6,392 Atlanta, GA
Root $599 $7,188 Atlanta, GA
Trexis $698 $8,374 Atlanta, GA
The General $707 $8,487 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance for young drivers in Atlanta

Insurers often view younger drivers as inexperienced, which makes them riskier to insure and increases their policy costs. Here’s what young drivers in Atlanta can expect to pay, based on quote data from real Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $854 $10,249 Atlanta, GA
21-24 $599 $7,191 Atlanta, GA
Last Updated May 27, 2025

Cheapest minimum coverage for 20-year-olds

Based on Jerry’s data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Atlanta.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $355 $4,261 Atlanta, GA
Root $492 $5,906 Atlanta, GA
Progressive $495 $5,937 Atlanta, GA
First Acceptance $539 $6,472 Atlanta, GA
Bristol West $961 $11,536 Atlanta, GA
Last Updated May 27, 2025

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Root $1,014 $12,163 Atlanta, GA
National General $1,042 $12,500 Atlanta, GA
Progressive $1,215 $14,577 Atlanta, GA
The General $1,476 $17,714 Atlanta, GA
Bristol West $1,600 $19,205 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance costs for mature drivers in Atlanta (25-54 years old)

Car insurance usually gets cheaper as you reach your late 20s and 30s. This is a good time to cost compare and shop for a lower rate. Here are the rates more mature drivers can expect to pay in Atlanta, based on Jerry’s quote data.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
25-34 $462 $5,543 Atlanta, GA
35-44 $413 $4,953 Atlanta, GA
45-54 $408 $4,896 Atlanta, GA
Last Updated May 27, 2025

Cheapest minimum coverage for 36-year-olds

These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Atlanta, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $233 $2,799 Atlanta, GA
Progressive $242 $2,901 Atlanta, GA
Root $247 $2,959 Atlanta, GA
Assurance America $278 $3,337 Atlanta, GA
Gainsco $280 $3,361 Atlanta, GA
Last Updated May 27, 2025

Cheapest full coverage for 36-year-olds

These insurers provide the cheapest full coverage quotes to 36-year-olds in Atlanta, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Root $304 $3,652 Atlanta, GA
Progressive $316 $3,795 Atlanta, GA
National General $426 $5,117 Atlanta, GA
Assurance America $474 $5,691 Atlanta, GA
Safeco $553 $6,630 Atlanta, GA
Trexis $596 $7,158 Atlanta, GA
Gainsco $697 $8,359 Atlanta, GA
The General $701 $8,409 Atlanta, GA
Bristol West $868 $10,420 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance for older drivers (55+ years old)

Older drivers are likely to see their insurance costs lower into their 50s but after 60, rates may start to rise. Here are the average rates for older drivers in Atlanta, based on data from Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $368 $4,410 Atlanta, GA
65+ $415 $4,975 Atlanta, GA
Last Updated May 27, 2025

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest price quotes for 65-year-olds in Atlanta, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $131 $1,577 Atlanta, GA
National General $258 $3,096 Atlanta, GA
The General $267 $3,202 Atlanta, GA
Assurance America $268 $3,210 Atlanta, GA
First Acceptance $319 $3,829 Atlanta, GA
Last Updated May 27, 2025

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $201 $2,416 Atlanta, GA
National General $555 $6,659 Atlanta, GA
Assurance America $719 $8,633 Atlanta, GA
Trexis $1,016 $12,190 Atlanta, GA
The General $1,325 $15,903 Atlanta, GA
Bristol West $1,569 $18,824 Atlanta, GA
Last Updated May 27, 2025
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Cheapest car insurance for drivers with clean records in Atlanta

Having no claims or violations on your driving record goes a long way in getting a low rate. Here’s what drivers with clean records in Atlanta can expect to pay on average, according to Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
City, State
$405 $4,856 Atlanta, GA
Last Updated May 27, 2025

These insurers offer the lowest prices to Atlanta drivers with spotless records, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Bluefire $171 $2,049 Atlanta, GA
First Acceptance $271 $3,254 Atlanta, GA
Progressive $332 $3,986 Atlanta, GA
Safeco $333 $3,999 Atlanta, GA
Assurance America $348 $4,172 Atlanta, GA
National General $378 $4,538 Atlanta, GA
Dairyland $379 $4,547 Atlanta, GA
Gainsco $402 $4,830 Atlanta, GA
Trexis $492 $5,908 Atlanta, GA
The General $528 $6,335 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance rates for drivers with low credit scores in Atlanta

A low credit score could cause an insurer to charge more for coverage. Here’s what Atlanta drivers can expect to pay for car insurance, based on their credit scores, according to Jerry’s quote data.

Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
550-659 $418 $5,018 Atlanta, GA
660-750 $396 $4,749 Atlanta, GA
<550 $425 $5,099 Atlanta, GA
750+ $268 $3,216 Atlanta, GA
Last Updated May 27, 2025

These insurance companies provide the cheapest quotes to Atlanta drivers with scores below 550, based on Jerry’s data.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
Nationwide <550 $214 $2,573 Atlanta, GA
Infinity <550 $229 $2,748 Atlanta, GA
Clearcover <550 $252 $3,019 Atlanta, GA
Electric <550 $257 $3,082 Atlanta, GA
Embark General <550 $260 $3,118 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance for drivers with at-fault accidents in Atlanta

Having an accident on your record usually causes your policy costs to rise. Here’s what a driver with an at-fault accident can expect to pay in Atlanta, based on Jerry’s quote data.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
City, State
At Fault With Injury $626 $7,517 Atlanta, GA
At Fault With No Injury $524 $6,291 Atlanta, GA
Not At Fault $472 $5,660 Atlanta, GA
Last Updated May 27, 2025

Cheapest policies for drivers with at-fault accidents with no injury in Atlanta

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $162 $1,946 Atlanta, GA
Safeco $211 $2,535 Atlanta, GA
First Acceptance $326 $3,907 Atlanta, GA
Progressive $382 $4,585 Atlanta, GA
National General $471 $5,652 Atlanta, GA
Last Updated May 27, 2025

Cheapest policies for drivers with at-fault accidents with injury in Atlanta

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $326 $3,910 Atlanta, GA
Trexis $419 $5,024 Atlanta, GA
National General $462 $5,543 Atlanta, GA
Assurance America $748 $8,974 Atlanta, GA
The General $752 $9,020 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance for drivers with speeding tickets in Atlanta

If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here’s what drivers with speeding tickets pay in Atlanta on average, according to customer data collected by Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $414 $4,970 Atlanta, GA
Speeding under 15 $410 $4,915 Atlanta, GA
Last Updated May 27, 2025

These insurers provide the most affordable insurance policies to Atlanta drivers with speeding tickets on their records, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $279 $3,349 Atlanta, GA
Progressive $292 $3,502 Atlanta, GA
Assurance America $367 $4,402 Atlanta, GA
Root $400 $4,804 Atlanta, GA
National General $427 $5,122 Atlanta, GA
The General $489 $5,867 Atlanta, GA
Trexis $612 $7,341 Atlanta, GA
Bristol West $680 $8,162 Atlanta, GA
Gainsco $732 $8,787 Atlanta, GA
Last Updated May 27, 2025

Cheapest car insurance for drivers with DUIs in Atlanta

A DUI is often cause for your insurance rates to rise. Here’s what drivers in Atlanta who have DUIs on their records can expect to pay, according Jerry’s quote data.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
DUI $340 $4,081 Atlanta, GA
Last Updated May 27, 2025

These insurers offer the cheapest insurance quotes to Atlanta drivers with DUIs, per Jerry’s customer quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $328 $3,933 Atlanta, GA
Assurance America $343 $4,118 Atlanta, GA
Last Updated May 27, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.