Atlanta, the capital and one of Georgia’s largest cities, is known for its warm climate, hospitality, and excellent driving conditions. With these comes the need for comprehensive auto insurance.
Georgia has many requirements for drivers, be it the fine print on insurance or its minimum limits. This blog will review them and help you make the best choice.
Car Insurance in Atlanta
Atlanta’s car insurance rates are high for many reasons. One is the expense of living in a large city; and this follows that insurers have high operating expenses, which call for higher rates. Apart from your credit score and driving record, other factors contribute to the high cost of auto insurance.
How Much Does Car Insurance Cost in Atlanta?
In Atlanta, minimum-coverage insurance typically costs $85 a month, or $1,023 annually. That’s 64% more than the national average of $52 per month or $627 annually.
Similarly, the average cost of full coverage auto insurance is $211 per month, or $2,530 annually, 26% more than the national average, $167 per month, or $2,008 annually, for full coverage.
Atlanta Car Insurance Coverage Requirements
Like most states, Georgia mandates a minimum level of auto insurance coverage for each driver that hits the road. This is for your safety as well as the safety of other drivers on the road. In Georgia, one must produce proof of insurance when requested by a law enforcement officer. Here are Georgia’s minimum auto insurance limits, which follow the “25/50/25” principle for minimum liability coverage. That implies:
- $25,000 for each person’s physical harm.
- $50,000 for each accident’s physical harm.
- $25,000 for each accident’s property damage.
Read Related Article: Save Money on Auto Insurance.
Cheapest Car Insurance Companies in Atlanta
The table below lists the cheapest car insurance companies in Atlanta. The average six-month premiums for each company are based on data for car insurance in Atlanta, Georgia.
| Company | Average 6-Month Premium ($) |
| Georgia Farm Bureau | $733 |
| USAA | $880 |
| Nationwide | $909 |
| Allstate | $1,016 |
| Progressive | $1,107 |
| State Farm | $1,141 |
| Mercury | $1,231 |
| Geico | $1,939 |
Atlanta Auto Insurance Discounts
Contrary to popular belief, obtaining high-quality coverage in Atlanta is feasible for less money. Atlanta drivers have access to a variety of savings options with car insurance providers, including the option to combine several insurance policies, reduce insurance rates, and more.
Discount for Several Policies
Your monthly payment may be less if you have multiple policies. For example, you can save money on your house and auto insurance premiums if you bundle them; this is especially applicable for Allstate Insurance.
Discount on New Cars
If you are the initial owner of a vehicle one model year older or newer, you can save money on your auto insurance policy.
Discounts for Teen Drivers
Teens should have affordable auto insurance that doesn’t compromise safety while driving. Even though they could be inexperienced drivers, you can still get good coverage at a reasonable cost. If your adolescent driver in Atlanta satisfies these qualifications, you can save if you:
- Are a full-time, unmarried student under 25 who is achieving good grades.
- Go to school at least one hundred kilometers from where the vehicle is kept.
- Effectively finish the teen driver education program SMARTTM.
Read Related Article: Car Insurance in Austin.
Conclusion
Although the cost of auto insurance in Atlanta is 50% higher than in the rest of Georgia and 64% higher than the national average, reasonably priced providers have excellent coverage. Country Financial is one of Atlanta’s cheapest minimum-coverage providers; monthly rates start at about $45. Auto-Owners Insurance is another reasonably priced alternative, with monthly premiums as low as $155. By comparing customized, free quotations from many auto insurance companies—which you can obtain online or through insurance agents—you can determine which one offers the best deal.
Explore your options and compare quotes to get the best deal out of your car insurance agreement. Beem can help you do this with just a few clicks.
FAQs
Is car insurance required in Atlanta?
Yes, according to Georgia law, drivers are not allowed to operate a vehicle unless it is covered by liability insurance, which must provide a minimum of $25,000 in coverage for one person’s bodily injury or death, $50,000 per accident for multiple people’s injuries or deaths, and $25,000 in coverage for property damage.
How much is car insurance in Atlanta?
In Atlanta, the average cost of a minimum coverage auto insurance policy is $85 per month, or $1,023 annually. The average monthly cost for full coverage is $211, or $2,530 annually.
Is car insurance more expensive in Atlanta?
Yes, car insurance is more expensive in Atlanta. Minimum-coverage auto insurance costs 64% more than the national average, while full-coverage auto insurance costs roughly 26% more.
