Cheap Car Insurance in Atlanta

Written by Xuyun Zeng and 1 other
Updated Jul 28, 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
Mendota $65 $783 Atlanta, GA
Dairyland $101 $1,210 Atlanta, GA
Commonwealth Insurance $116 $1,386 Atlanta, GA
Safeco $188 $2,255 Atlanta, GA
Progressive $271 $3,249 Atlanta, GA
First Acceptance $297 $3,564 Atlanta, GA
National General $301 $3,613 Atlanta, GA
Assurance America $306 $3,668 Atlanta, GA
Gainsco $364 $4,368 Atlanta, GA
Trexis $367 $4,405 Atlanta, GA
Last Updated Jul 24, 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 $167 $2,007 Atlanta, GA
Mendota $179 $2,151 Atlanta, GA
Embark General $188 $2,260 Atlanta, GA
Infinity $214 $2,566 Atlanta, GA
Safeco $295 $3,536 Atlanta, GA
First Acceptance $327 $3,924 Atlanta, GA
Progressive $449 $5,384 Atlanta, GA
Dairyland $456 $5,477 Atlanta, GA
Assurance America $506 $6,074 Atlanta, GA
National General $520 $6,234 Atlanta, GA
Last Updated Jul 24, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $794 $9,533 Atlanta, GA
21-24 $595 $7,136 Atlanta, GA
Last Updated Jul 24, 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 $258 $3,094 Atlanta, GA
First Acceptance $535 $6,417 Atlanta, GA
Trexis $540 $6,476 Atlanta, GA
ROOT $595 $7,137 Atlanta, GA
Progressive $637 $7,644 Atlanta, GA
Last Updated Jul 24, 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 $738 $8,851 Atlanta, GA
National General $845 $10,138 Atlanta, GA
Trexis $911 $10,929 Atlanta, GA
Progressive $1,113 $13,358 Atlanta, GA
Bristol West $1,772 $21,266 Atlanta, GA
The General $2,208 $26,497 Atlanta, GA
Last Updated Jul 24, 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 $474 $5,690 Atlanta, GA
35-44 $430 $5,156 Atlanta, GA
45-54 $422 $5,061 Atlanta, GA
Last Updated Jul 29, 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
Progressive $218 $2,611 Atlanta, GA
First Acceptance $243 $2,918 Atlanta, GA
Assurance America $258 $3,090 Atlanta, GA
National General $305 $3,663 Atlanta, GA
Trexis $316 $3,789 Atlanta, GA
Last Updated Jul 24, 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
Progressive $362 $4,343 Atlanta, GA
ROOT $401 $4,816 Atlanta, GA
National General $491 $5,896 Atlanta, GA
Assurance America $494 $5,930 Atlanta, GA
Trexis $567 $6,809 Atlanta, GA
Gainsco $586 $7,030 Atlanta, GA
The General $706 $8,476 Atlanta, GA
Bristol West $887 $10,649 Atlanta, GA
Last Updated Jul 24, 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 $377 $4,519 Atlanta, GA
65+ $382 $4,588 Atlanta, GA
Last Updated Jul 24, 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 $141 $1,697 Atlanta, GA
National General $256 $3,066 Atlanta, GA
Assurance America $268 $3,210 Atlanta, GA
First Acceptance $307 $3,686 Atlanta, GA
Bristol West $359 $4,303 Atlanta, GA
Last Updated Jul 24, 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 $247 $2,959 Atlanta, GA
Assurance America $531 $6,366 Atlanta, GA
National General $555 $6,659 Atlanta, GA
Last Updated Jul 24, 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
$406 $4,877 Atlanta, GA
Last Updated Jul 24, 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
Electric $150 $1,794 Atlanta, GA
Bluefire $171 $2,049 Atlanta, GA
Safeco $242 $2,900 Atlanta, GA
First Acceptance $271 $3,257 Atlanta, GA
Progressive $335 $4,017 Atlanta, GA
Assurance America $360 $4,315 Atlanta, GA
Dairyland $379 $4,547 Atlanta, GA
National General $385 $4,624 Atlanta, GA
Gainsco $393 $4,713 Atlanta, GA
Trexis $455 $5,458 Atlanta, GA
Last Updated Jul 24, 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 $428 $5,134 Atlanta, GA
660-750 $408 $4,898 Atlanta, GA
<550 $439 $5,263 Atlanta, GA
750+ $276 $3,308 Atlanta, GA
Last Updated Jul 24, 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
Travelers <550 $195 $2,342 Atlanta, GA
Nationwide <550 $214 $2,573 Atlanta, GA
Infinity <550 $229 $2,748 Atlanta, GA
Embark General <550 $259 $3,110 Atlanta, GA
Electric <550 $280 $3,360 Atlanta, GA
Last Updated Jul 24, 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 $558 $6,695 Atlanta, GA
At Fault With No Injury $521 $6,246 Atlanta, GA
Not At Fault $500 $6,004 Atlanta, GA
Last Updated Jul 24, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Dairyland $109 $1,313 Atlanta, GA
Commonwealth Insurance $116 $1,386 Atlanta, GA
Mendota $122 $1,467 Atlanta, GA
Bluefire $164 $1,966 Atlanta, GA
Embark General $188 $2,260 Atlanta, GA
Last Updated Jul 24, 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 $360 $4,315 Atlanta, GA
National General $408 $4,899 Atlanta, GA
Progressive $454 $5,449 Atlanta, GA
Trexis $539 $6,468 Atlanta, GA
Assurance America $619 $7,431 Atlanta, GA
Last Updated Jul 24, 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 $485 $5,820 Atlanta, GA
Speeding under 15 $474 $5,685 Atlanta, GA
Last Updated Jul 24, 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 $316 $3,794 Atlanta, GA
Progressive $375 $4,499 Atlanta, GA
National General $422 $5,066 Atlanta, GA
ROOT $456 $5,476 Atlanta, GA
Assurance America $497 $5,961 Atlanta, GA
Trexis $520 $6,245 Atlanta, GA
Gainsco $557 $6,684 Atlanta, GA
The General $628 $7,531 Atlanta, GA
Bristol West $696 $8,357 Atlanta, GA
Clearcover $758 $9,097 Atlanta, GA
Last Updated Jul 29, 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 $456 $5,466 Atlanta, GA
Last Updated Jul 29, 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
First Acceptance $270 $3,235 Atlanta, GA
National General $346 $4,154 Atlanta, GA
Assurance America $350 $4,195 Atlanta, GA
Trexis $421 $5,048 Atlanta, GA
Progressive $460 $5,526 Atlanta, GA
ROOT $498 $5,972 Atlanta, GA
Bristol West $750 $9,002 Atlanta, GA
The General $1,788 $21,456 Atlanta, GA
Last Updated Jul 24, 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.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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.