Best Cheap Car Insurance in Atlanta for 2022 | Bankrate

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Best car insurance companies in Atlanta

We reviewed and picked the best car insurance companies writing policies in Atlanta based on average premiums and J.D. Power customer satisfaction scores. Financial strength ratings, coverage options and discounts were besides considered in our final analysis to help highlight why each party is worthy of consideration .

Insurance Company J.D. Power Score
(Southeast region)
Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
State Farm 835 / 1000 $657 $1,672
Auto-Owners 854 / 1000 $739 $1,853
USAA* 909 / 1000 $682 $1,641
Geico 851 857 / 1000 $720 $2,094
Allstate 846 / 10000 $879 $2,064

*USAA is rank-ineligible by J.D. Power due to eligibility restrictions .

State Farm

State Farm offers the lowest minimal coverage rates of the carriers surveyed, with Atlantans paying an average of $ 657 per annum for. If you are looking for more coverage, full moon coverage averages $ 1,672 annually. In addition to low rates, State Farm offers a wide diverseness of policy options to fit your car policy needs, including cable car lease reimbursement, roadside aid and rideshare coverage. If finding car insurance within your budget is a top priority, State Farm has a plentiful measure of discounts available, from multi-policy to safe driver and more. submit Farm ’ s fiscal force is worth noting a well, with an A ( Excellent ) AM Best evaluation for claims payout. The potency continues with engineering and the multiple tools available at your fingertips for policy management — via an indemnity agent, web site or app.

Auto-Owners

Auto-Owners operates in 26 states and Georgia is one them. Auto-Owners relies on a big network of over 48,000 agents for quotes, policy purchases and filing claims. Auto-Owners agents can provide demand quotes, but on average, Atlantans pay $ 739 per year for a liability-only policy and $ 1,853 for full coverage annually. Auto-Owners is one of the highest-ranking providers for the 2020 J.D. Power Auto Insurance Study ranking in the Southeast and has superior fiscal rankings excessively with an A++ ( Superior ) rat from AM Best. Auto-Owners offers criterion coverage choices, but has other unique options excessively, like wayside aid, lease/own col coverage and diminished value security .

USAA

For active military members or veterans, USAA offers cheap car indemnity in Atlanta for those who meet the membership requirements. A minimum coverage policy averages $ 682 annually and wide coverage averages $ 1,641 per year. USAA offers numerous discounts on peak of the competitive rates, including commodity student and safe driver — even a duration of servicing discount rate. USAA is not officially ranked with the 2020 J.D. Power U.S. Auto Insurance Study, but did score the highest with 909 out of 1,000 points in the Southeast area. USAA has strong fiscal intensity ratings with an A++ ( Superior ) AM Best rate, reflecting its ability to make call payouts .

Geico

Geico offers Atlantans numerous policy options, such as emergency wayside aid, car rental reimbursement and a mechanical breakdown option ( similar to an cover guarantee ). The discounts available are just as numerous, ranging from driver affiliations to defensive driving course savings. Atlantans pay an average of $ 720 per class for minimum coverage, but full coverage averages $ 2,094 in annual premiums. Geico has potent fiscal ratings and assets, including an A++ ( Superior ) AM Best rat and assets of over $ 32 billion. Geico besides performs well in the customer service area, with one of the highest rankings in the Southeast for the 2020 J.D. Power U.S. Auto Insurance Study. The wide range of tools for policy management includes a highly-rated app and the web site for appliance .

Allstate

Allstate offers multiple policy and coverage options to drivers in Atlanta and ranked within the top 10 insurers in the Southeast for customer atonement. Of Georgia ’ s entire license drivers, more than 300,000 are long time 19 and under and, fortunately, Allstate helps make cable car indemnity for adolescent drivers vitamin a easy as possible. For exemplify, Allstate offers driving discounts for young drivers who successfully complete the teenSMART program, which is designed to decrease the gamble of adolescent car accidents. As Atlanta besides has a impregnable music picture, drivers in the city may be pleasantly surprised by the option to add insurance for their sound systems through the company. other features include options for umbrella policies, rental reimbursement and a host of discounts. AM Best gives Allstate an A+ ( Superior ) fiscal potency rating, meaning drivers may enjoy coverage that is both comprehensive and dependable .

Cheapest car insurance in Atlanta

car indemnity in Atlanta is well more expensive than average rates for the state of Georgia. Whereas Georgians pay an average of $ 756 per year for minimum coverage and $ 1,982 per class for wax coverage, Atlantans pay anywhere from $ 257 and $ 343 more for coverage, respectively. Atlanta car policy premiums are besides more dearly-won than national average rates which are $ 565 per year for minimum coverage and $ 1,674 per year for full coverage. however, companies do offer competitive rates within the city. The take after companies offer the cheap car insurance in Atlanta .

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
State Farm $657 $1,672
USAA $682 $1,641
Geico $720 $2,094
Auto-Owners $739 $1,853
Nationwide $780 $1,527

Out of the providers listed, State Farm and USAA offer the lowest rates for minimum coverage. If you are an active-duty military member or a veteran able to take advantage of USAA ’ s low-cost coverage, it may be a capital option for you. however, if you do not meet those membership requirements, State Farm could besides be a dependable bet. nationally offers the cheapest wax coverage cable car policy and even offers gap insurance. Geico, Auto-Owners and Nationwide besides have respective discounts that may be applied to your policy based on driving habits, customer loyalty and anti-theft equipment .

Atlanta insurance requirements

car indemnity is required in Georgia. Drivers in Atlanta must carry coverage that meets the state ’ s minimal 25/50/25 requirements :

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $25,000 in property damage per accident

It ’ s authoritative to note while the minimums are required, you should consider adding entire coverage or extra coverage when necessary – even if it means higher premiums. For exemplify, the property damage liability prerequisite is $ 25,000 per accident, but if you are at-fault and induce price to two or three cars, the damage might be greater than $ 25,000. You would be responsible for the dispute, therefore a higher total of coverage would be safer when it comes to protecting yourself .

Car insurance discounts in Atlanta

Living in the Atlanta area means you have access to a act of discounts to lower your premiums foster. Although details vary from one carrier wave to another, including these discounts may allow you to obtain the best car policy in Atlanta while staying within your budget. Discounts include :

  • Policy bundling: Many insurers offer discounts for bundling multiple policies, such as your home and auto.
  • Safe driver: If you maintain an accident-free record for a certain number of years, your premiums could be lowered. Discounts that may fall under this category include accident-free, claims-free and good driver.
  • Defensive driver classes: Your premiums may be reduced if you participate in a qualifying defensive driver course. Most carriers require a specific number of hours or program so double-check your course qualifies. For example, Georgia Farm Bureau uses the safedriver.com program.
  • Good student: If you have good grades, you could be eligible for additional discounts.

Frequently asked questions

What is the best car insurance company?

There are many insurers that could qualify as the best car insurance caller based on coverage options, customer satisfaction, ease of claims filing and more. It is up to you to decide which qualities of a ship’s company you value most. When researching car policy, it may help to keep a list of your car indemnity needs and compare quotes from multiple providers based on your criteria .

How much does car insurance in Atlanta cost?

car policy in Atlanta costs $ 1,013 per class on average for minimal coverage and $ 2,325 per year for full coverage. Your premium may be more or less than the city average depending on a variety of factors, such as your age, driving record and ZIP code. You can normally compare quotes well by submitting your information on supplier websites. For the most accurate quotes potential, keep your personal details and coverage selections consistent across your quote submissions.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning drive record, good recognition and the follow full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state of matter ’ mho requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and driveway 12,000 miles per annum. These are sample rates and should be used for relative purposes only. Your quotes may be different .

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