The Cheapest Car Insurance Companies in Atlanta
Because a fully coverage car policy policy includes indebtedness, comprehensive and collision coverages, it financially protects the driver from most circumstances. MoneyGeek ’ s research reveals these companies offer the cheapest fully coverage policies for an average driver in Atlanta :
- Nationwide: $1,372 per year
- Allstate: $1,394 per year
USAA offers a more low-cost pace at $ 931 per year, but it ’ s merely available for drivers who are stream military personnel, veterans, or their family members. Our study shows that Nationwide, Atlanta ’ s cheapest provider, is 62 % less expensive than Progressive, the city ’ s most expensive provider .
Cheapest Car Insurance in Atlanta
Full Coverage 100/300/100 Following MoneyGeek ’ s methodology, the car indemnity rates in this usher are for a 40-year-old male driver in Atlanta with a wide coverage policy. A fully coverage car indemnity policy includes comprehensive and collision coverages, along with the state ’ s minimal command coverages. It offers extensive fiscal auspices in case of an accident, but it is more expensive than a minimum coverage policy .
- Comprehensive Coverage: Pays for repairs from damages due to the weather, theft, falling objects and other damages not caused by a collision.
- Collision Coverage: Covers vehicle repair expenses if you’re in an accident.
note that full coverage insurance can be more expensive than your car ’ s actual refilling deserving if you have an older car. In that font, liability-only or state minimal indemnity is recommended to obtain the most low-cost rates possible .
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Cheapest Car Insurance in Atlanta for Minimum Coverage
A country minimal policy is ideal if you ’ rhenium looking for the cheapest car policy offers in Atlanta. such policies are significantly more low-cost, but they do expose you to fiscal risks in subject of an accident since they don ’ t have comprehensive and collision coverages. These companies present the cheapest department of state minimal policies in Atlanta :
- GEICO: $722 per year
- State Farm: $780 per year
At $ 493 per annum, USAA provides the most low-cost state minimum policies in Atlanta for eligible drivers who are separate of the military. It ’ second $ 944 cheaper than the city ’ s most expensive submit minimal supplier, Metlife. Toggle the postpone below to see how indebtedness coverage affects car policy rates .
Cheapest Minimum Liability Car Insurance in Atlanta
state Minimum Georgia requires its drivers to have a minimum coverage policy, with coverages for bodily wound indebtedness, property damage indebtedness, uninsured motorist bodily wound and uninsured motorist property price. A minimum coverage policy is Atlanta ’ south cheapest car insurance and will save well on your monthly premiums. however, due to its limited coverage, you may end up paying more in shell of an accident. A liability policy policy in Georgia only covers $ 25,000 for bodily injuries per person. If you ’ re at mistake in a car accident and the early party ’ s medical expenses reach $ 35,000, you ’ ll have to pay $ 10,000 by yourself .
Georgia Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective level is 100/300/100 .
Cheapest Car Insurance in Atlanta if You Have Driving Violations
Your car indemnity rates can go up in the event you get a rush ticket, a DUI, an at-fault accident or any other drive trespass. Over time, you can seek to improve your drive record and to have your premium lowered. In the interim, comparing car indemnity offers is your best option to find optimum deals. MoneyGeek ranked Atlanta ’ s most low-cost cable car policy companies for drivers with a drive criminal record :
- Cheapest after a ticket: State Farm, $1,545 per year
- Cheapest after an at-fault accident: State Farm, $1,676 per year
- Cheapest after a DUI: State Farm, $1,545 per year
Drivers employed by the military and their family members may be eligible to obtain a policy USAA, which offers the cheapest car indemnity rates in Atlanta for drivers with accelerate tickets or at-fault accidents .
Cheapest Car Insurance in Atlanta With a Violation
Speeding ticket
Average Cost of Car Insurance in Atlanta
Atlanta $1,638
Georgia $1,638
U.S. $1,424
The average annual car insurance rate in Atlanta is $ 1,638, which is the same as the Georgia average but higher than the national average. Atlanta drivers typically pay about 15 % more than the countrywide average rate.
Personalized Quotes to Get You the Cheapest Car Insurance in Atlanta
To give you accurate car indemnity quotes in Atlanta, indemnity providers analyze a number of aspects to evaluate your risk, including your sex and age, coverage level, marital status and more. With Country Financial in Atlanta, their policy for an 18-year-old male driver is more than twice american samoa expensive as comparable coverage for a 40-year-old driver. Due to changes in life circumstances and early evolving elements, drivers should regularly obtain a cut quote to find the cheapest rates .
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The Best Car Insurance Companies in Atlanta
MoneyGeek ranked the best car indemnity companies in Atlanta to help you find a supplier that offers affordability and quality serve. Our study shows that, on average, the best car indemnity companies in the city are :
- Auto-Owners: MoneyGeek score of 90 out of 100
- ALFA: MoneyGeek score of 88 out of 100
USAA earned the highest grudge in Atlanta following MoneyGeek ’ south rat system. however, because it ’ s merely available to active military members, veterans and their families, we did not list it as well overall. To determine scores out of 100, MoneyGeek uses assorted factors, including J.D. Power drug user satisfaction, affordability and fiscal constancy findings .
1 USAA score : 95
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy
2 Auto-Owners Insurance Co score : 90
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability
3 ALFA mark : 87.5
4/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
4 GEICO score : 85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy
5 State Farm score : 82.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
6 Nationwide score : 80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
7 Travelers score : 80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability
8 MetLife score : 80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
9 Safeco seduce : 77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
10 Progressive seduce : 77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
11 Liberty Mutual score : 77.5
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
12 Allstate mark : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
13 National General score : 72.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
Your ZIP code besides dictates the car indemnity bounty you ’ ll need to pay. This relation is because some regions have a higher incidence of car thefts, accidents and uninsured motorists, which makes those regions risky for car policy providers. In Atlanta, residents of the 30319 ZIP code will pay about $ 366 less per annum for car policy compared to the city ’ s costliest ZIP code for car coverage, which is 30349 .
- Zip Code State Minimumper year
- 30319 $1,437
- 30318 $1,613
- 30331 $1,698
- 30349 $1,803
Factors That Impact Insurance Costs in Atlanta
In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the pace of fatal accidents besides contribute to car insurance rates in Atlanta. How Atlanta ranks compared to the 300 most populous cities in the United States can have a meaning impact on agio costs .
Most Accidents With Fatalities 45th / 300
Most cable car Thefts 164th / 300
Most uninsured Motorists by State 25th / 50
personal Injury Protection Required No
Most annual rain 43rd / 300
Most showery Days 96th / 300
Methodology and Assumptions
MoneyGeek ’ randomness average premium rates for Atlanta are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage character, location and drive record.