Cheap Car Insurance in Atlanta

Written by Xuyun Zeng and 1 other
Updated Jan 7, 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
Safeco $136 $1,627 Atlanta, GA
Dairyland $161 $1,927 Atlanta, GA
Progressive $243 $2,913 Atlanta, GA
First Acceptance $260 $3,125 Atlanta, GA
Assurance America $267 $3,199 Atlanta, GA
National General $287 $3,448 Atlanta, GA
The General $338 $4,054 Atlanta, GA
Root $339 $4,066 Atlanta, GA
Trexis $369 $4,429 Atlanta, GA
Gainsco $370 $4,444 Atlanta, GA
Last Updated Feb 12, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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 $171 $2,049 Atlanta, GA
Progressive $344 $4,123 Atlanta, GA
Dairyland $372 $4,468 Atlanta, GA
Assurance America $441 $5,286 Atlanta, GA
National General $455 $5,455 Atlanta, GA
First Acceptance $468 $5,620 Atlanta, GA
Root $505 $6,060 Atlanta, GA
Commonwealth Insurance $563 $6,760 Atlanta, GA
Aspen $566 $6,791 Atlanta, GA
Safeco $620 $7,443 Atlanta, GA
Last Updated Feb 12, 2025

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 $848 $10,181 Atlanta, GA
21-24 $539 $6,473 Atlanta, GA
Last Updated Feb 12, 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
First Acceptance $410 $4,920 Atlanta, GA
Progressive $442 $5,298 Atlanta, GA
National General $459 $5,507 Atlanta, GA
Bristol West $672 $8,068 Atlanta, GA
The General $692 $8,307 Atlanta, GA
Last Updated Feb 12, 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
National General $742 $8,906 Atlanta, GA
Progressive $849 $10,190 Atlanta, GA
The General $1,393 $16,715 Atlanta, GA
Bristol West $1,408 $16,898 Atlanta, GA
Assurance America $1,478 $17,732 Atlanta, GA
Last Updated Feb 12, 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 $409 $4,912 Atlanta, GA
35-44 $372 $4,463 Atlanta, GA
45-54 $341 $4,089 Atlanta, GA
Last Updated Feb 12, 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
Gainsco $168 $2,018 Atlanta, GA
First Acceptance $240 $2,876 Atlanta, GA
Assurance America $267 $3,206 Atlanta, GA
Progressive $289 $3,471 Atlanta, GA
National General $314 $3,771 Atlanta, GA
Last Updated Feb 12, 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
Bluefire $171 $2,049 Atlanta, GA
Progressive $269 $3,231 Atlanta, GA
Gainsco $285 $3,414 Atlanta, GA
Dairyland $317 $3,809 Atlanta, GA
Trexis $447 $5,368 Atlanta, GA
Assurance America $449 $5,393 Atlanta, GA
National General $472 $5,669 Atlanta, GA
The General $637 $7,640 Atlanta, GA
Bristol West $710 $8,518 Atlanta, GA
Last Updated Feb 12, 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 $339 $4,062 Atlanta, GA
65+ $363 $4,358 Atlanta, GA
Last Updated Feb 12, 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 $214 $2,562 Atlanta, GA
Assurance America $225 $2,703 Atlanta, GA
National General $245 $2,939 Atlanta, GA
First Acceptance $274 $3,286 Atlanta, GA
The General $313 $3,760 Atlanta, GA
Last Updated Feb 12, 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 $204 $2,450 Atlanta, GA
National General $353 $4,232 Atlanta, GA
Assurance America $718 $8,614 Atlanta, GA
Trexis $1,016 $12,190 Atlanta, GA
Bristol West $1,132 $13,587 Atlanta, GA
The General $2,293 $27,510 Atlanta, GA
Last Updated Feb 12, 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
$371 $4,446 Atlanta, GA
Last Updated Feb 12, 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 $94 $1,124 Atlanta, GA
Anchor General $130 $1,560 Atlanta, GA
Safeco $136 $1,627 Atlanta, GA
Bluefire $171 $2,049 Atlanta, GA
First Acceptance $245 $2,941 Atlanta, GA
Progressive $266 $3,187 Atlanta, GA
Commonwealth Insurance $312 $3,744 Atlanta, GA
Aspen $324 $3,894 Atlanta, GA
Assurance America $336 $4,033 Atlanta, GA
National General $349 $4,185 Atlanta, GA
Last Updated Feb 12, 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 $391 $4,697 Atlanta, GA
660-750 $369 $4,431 Atlanta, GA
<550 $403 $4,838 Atlanta, GA
750+ $254 $3,050 Atlanta, GA
Last Updated Feb 12, 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
Nationwide <550 $214 $2,573 Atlanta, GA
Infinity <550 $257 $3,089 Atlanta, GA
First Acceptance <550 $264 $3,168 Atlanta, GA
Clearcover <550 $270 $3,239 Atlanta, GA
Travelers <550 $271 $3,251 Atlanta, GA
Last Updated Feb 12, 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 $437 $5,245 Atlanta, GA
At Fault With No Injury $481 $5,770 Atlanta, GA
Not At Fault $403 $4,834 Atlanta, GA
Last Updated Feb 12, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $162 $1,946 Atlanta, GA
First Acceptance $302 $3,628 Atlanta, GA
Progressive $315 $3,780 Atlanta, GA
National General $418 $5,019 Atlanta, GA
Assurance America $427 $5,129 Atlanta, GA
Last Updated Feb 12, 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 $345 $4,138 Atlanta, GA
National General $393 $4,712 Atlanta, GA
Trexis $412 $4,945 Atlanta, GA
Progressive $452 $5,422 Atlanta, GA
Assurance America $490 $5,882 Atlanta, GA
Last Updated Feb 12, 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 $444 $5,323 Atlanta, GA
Speeding under 15 $432 $5,185 Atlanta, GA
Last Updated Feb 12, 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 $290 $3,476 Atlanta, GA
Progressive $302 $3,624 Atlanta, GA
Gainsco $308 $3,690 Atlanta, GA
Assurance America $374 $4,493 Atlanta, GA
Trexis $425 $5,105 Atlanta, GA
National General $437 $5,249 Atlanta, GA
The General $530 $6,359 Atlanta, GA
Bristol West $679 $8,142 Atlanta, GA
Last Updated Feb 12, 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 $576 $6,910 Atlanta, GA
Last Updated Feb 12, 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
Progressive $328 $3,933 Atlanta, GA
Assurance America $356 $4,277 Atlanta, GA
The General $1,097 $13,169 Atlanta, GA
Last Updated Feb 12, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

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 represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.