Cheapest car insurance companies in Atlanta
A recent data analysis by Insurance.com found the cheapest car insurance companies are Southern Farm Bureau and Safeway Insurance in Atlanta for 2023.
Southern Farm Bureau offers the cheapest car insurance premium for Atlanta drivers at an annual rate of $1,687 a year, on average.
Car insurance costs may vary in Atlanta based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Atlanta.
| Companies | Average annual rates |
|---|---|
| Southern Farm Bureau | $1,687 |
| USAA | $1,739 |
| Safeway Insurance | $2,377 |
| Farmers | $2,577 |
| Progressive | $2,613 |
| Geico | $2,704 |
| LA Farm Bureau | $2,786 |
| State Farm | $3,220 |
| Auto Club Enterprises (AAA) | $3,672 |
Cheapest car insurance cost in Atlanta by Age Group
Southern Farm Bureau is the cheapest option for car insurance in Atlanta for teen drivers, with average annual premiums at just $3,455 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
For young drivers in Atlanta, Southern Farm Bureau has the cheapest auto insurance rates, with an average annual cost of $2,467 annually.
For Atlanta drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,761 annually.
With an average annual premium of $1,772, USAA offers Atlanta's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Southern Farm Bureau | $3,455 | $2,467 | $1,771 | $1,872 |
| USAA | $4,390 | $2,527 | $1,761 | $1,772 |
| Safeway Insurance | $5,529 | $3,446 | $2,349 | $2,031 |
| LA Farm Bureau | $7,813 | $4,831 | $2,614 | $2,530 |
| State Farm | $8,437 | $5,064 | $3,225 | $3,164 |
| Farmers | $10,385 | $4,772 | $2,574 | $2,213 |
| Geico | $10,645 | $4,183 | $2,654 | $2,523 |
| Progressive | $11,033 | $4,207 | $2,593 | $2,567 |
| Auto Club Enterprises (AAA) | $11,638 | $5,741 | $3,717 | $4,012 |
Cheapest car insurance companies in Atlanta by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Atlanta. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
Comparison shopping is the key to getting the cheapest car insurance rates in Atlanta. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here's a list of car insurance companies that offer cheap insurance rates in Atlanta based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
If you're a Atlanta driver with poor credit, USAA is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $2,685 annually.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| USAA | $2,685 |
| Progressive | $4,562 |
| Geico | $6,580 |
| State Farm | $8,349 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Atlanta. Its full coverage car insurance policy costs an average of $1,946 per year for drivers aged 30.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| State Farm | $1,946 |
| USAA | $2,080 |
| Progressive | $3,300 |
| Geico | $7,656 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Atlanta is $2,065. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $2,065 |
| USAA | $2,675 |
| Progressive | $4,640 |
| Geico | $8,303 |
Cheapest auto insurance after a DUI: State Farm
In Atlanta, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,946 a year.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,946 |
| USAA | $2,817 |
| Progressive | $4,409 |
| Geico | $9,334 |
Average car insurance cost in Atlanta
Full coverage car insurance in Atlanta for a coverage limit of 100/300/100 is $2,597 per year or $216 per month, while the state minimum coverage costs an average of $542 a year.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,597 | $542 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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