The Best Cheap Car Insurance in Atlanta, GA for 2022

Car insurance rates depend on your preferences and profile. national is the cheapest auto insurance provider in atlanta. For minimum liability policies, geico has the lowest rates. state farm is the most affordable provider for drivers with speeding tickets. usaa presents the most economical options for drivers who are military personnel. Moneygeek’s top rated auto insurance in Atlanta is auto-owners insurance co, as it balances cost and customer service.

Reading: How to get cheap car insurance atlanta

Because a full coverage auto insurance policy includes liability, comprehensive and collision coverage, it financially protects the driver in most circumstances.

moneygeek’s research reveals that these companies offer the cheapest full coverage policies for the average driver in atlanta:

- nationally: $1,372 per year
- Statewide: $1,394 per year

usaa offers a more affordable rate at $931 per year, but is only available to drivers who are current military personnel, veterans, or members of their family.

Our study shows that nationally, the cheapest provider in Atlanta is 62% cheaper than progressive, the most expensive provider in the city.

the cheapest car insurance in atlanta

Following moneygeek’s methodology, the auto insurance rates in this guide are for a 40 year old male driver in atlanta with a full coverage policy.

A full coverage auto insurance policy includes comprehensive and collision coverage, along with the minimum coverages required by the state. offers extensive financial protection in the event of an accident, but is more expensive than a minimum coverage policy.

- - Comprehensive coverage: pays for repairs for damage caused by weather, theft, falling objects, and other non-collision damage.
  - collision coverage: covers the cost of repairing the vehicle if it has an accident.

Keep in mind that full coverage insurance may be more expensive than the actual replacement value of your car if you have an older car. in that case, minimum state or liability insurance is recommended only to get the most affordable rates possible.

A state minimum policy is ideal if you’re looking for the cheapest auto insurance deals in atlanta. such policies are significantly more affordable, but expose you to financial risk in the event of an accident, since they do not have comprehensive and collision coverage.

These companies present the cheapest minimum state policies in Atlanta:

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  - - geico: $722 per year
    - state farm: $780 per year

At $493 a year, usaa offers the most affordable state minimum policies in atlanta for eligible drivers who are in the military. It’s $944 cheaper than the city’s most expensive state minimum carrier, metlife.

change the table below to see how liability coverage affects car insurance rates.

cheapest minimum liability auto insurance in atlanta

georgia requires its drivers to have a minimum coverage policy, with bodily injury liability, property damage liability, uninsured motorist bodily injury, and uninsured motorist property damage coverages.

a minimum coverage policy is the cheapest auto insurance in atlanta and will save substantially on your monthly premiums. however, due to its limited coverage, you may end up paying more in the event of an accident.

A general liability insurance policy in Georgia only covers $25,000 for bodily injury per person. If you’re at fault in a car accident and the other party’s medical bills reach $35,000, you’ll have to pay $10,000 out of pocket.

Your auto insurance rates may increase in the event you receive a speeding ticket, DUI, at-fault accident, or any other traffic violation. Over time, you can try to improve your driving record and lower your premium.

In the meantime, shopping around for auto insurance is your best bet for finding the best deals. moneygeek ranked the most affordable auto insurance companies in atlanta for drivers with a driving record:

- - - - cheaper after ticket: state farm, $1,545 per year
      - cheaper after an at-fault accident: state farm, $1,676 per year
      - cheaper after dui: state farm, $1,545 per year

Military employed drivers and their family members may be eligible for a usaa policy, which offers the lowest auto insurance rates in atlanta for drivers with speeding tickets or culpable accidents.

cheapest auto insurance in atlanta with a violation

To provide you with accurate Atlanta auto insurance quotes, insurance providers look at a number of things to assess your risk, including your gender and age, level of coverage, marital status, and more. With Country Financial in Atlanta, your policy for an 18-year-old male driver is more than twice as expensive as comparable coverage for a 40-year-old driver. Due to changing life circumstances and other evolving elements, drivers should regularly obtain a personalized quote to find the lowest fares.

moneygeek has ranked the best auto insurance companies in atlanta to help you find a provider that offers affordable, quality service.

Our study shows that, on average, the best auto insurance companies in Atlanta are:

- - - - car owners: moneygeek score of 90 out of 100
        
        alpha: moneygeek score of 88 out of 100

usaa scored highest in atlanta following the moneygeek ranking system. however, because it’s only available to active military, veterans, and their families, we don’t mention it as the best overall.

To determine scores out of 100, moneygeek uses several factors, including j.d. important results on user satisfaction, affordability and financial stability.

Your zip code also determines the car insurance premium you’ll pay. This relationship is because some regions have a higher incidence of car thefts, accidents, and uninsured drivers, making those regions risky for car insurance providers. In Atlanta, residents of the 30319 zip code will pay about $366 less a year for auto insurance compared to the city’s most expensive zip code for auto coverage, which is 30349.