Car insurance in Alpharetta for an adult with a clean driving record and good insurance score costs $1,567 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Alpharetta by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Alpharetta.

Key Highlights
  • Car insurance in Alpharetta is almost same as car insurance in Georgia for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Alpharetta is $1,567 per year or $131 per month.
  • In Alpharetta, USAA offers the cheapest full coverage car insurance at $95 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Alpharetta, GA?

The average auto insurance rates in Alpharetta, GA at various coverage levels are listed below:

  • State minimum: $590 per year
  • Liability-only coverage (50/100/50): $726 per year
  • Full coverage (100/300/100): $1,567 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
USAA$400$513$1,139
Auto-Owners$368$480$1,283
Nationwide$927$912$1,371
Geico$429$570$1,393
Progressive$580$725$1,557
Country Financial$554$844$1,716
State Farm$614$790$1,736
Allstate$687$804$1,951
Mercury Insurance$752$900$1,961

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Alpharetta, GA?

Out of all the carriers available in Alpharetta, USAA offers the cheapest full coverage car insurance at $95 per month.

The second-cheapest car insurance company in Alpharetta is Auto-Owners, offering car insurance at $107 monthly.

Cheapest CompanyFull Coverage Monthly Rates
USAA$95
Auto-Owners$107
Nationwide$114
Geico$116
Progressive$130
Country Financial$143
State Farm$145
Allstate$163
Mercury Insurance$163

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Alpharetta, GA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Georgia is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Alpharetta, GA

See the average annual premium for drivers with two speeding tickets on their records in Alpharetta, GA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$138
Nationwide$153
State Farm$154
Geico$173
Allstate$192
Auto-Owners$207
Progressive$216
Mercury$260

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Alpharetta, GA

See the average annual premium for a driver convicted of DUI in Alpharetta, GA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$154
USAA$191
Auto-Owners$207
Progressive$216
Allstate$220
Mercury$227
Nationwide$231
Geico$361

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Alpharetta, GA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Alpharetta, GA, by age

Age is a key factor when considering car insurance rates in most cities, including Alpharetta – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$811
16Auto-Owners$387
16Geico$687
16Country Financial$383
16Mercury Insurance$1,389
16Nationwide$556
16Progressive$844
16State Farm$608
16USAA$417
17Allstate$697
17Auto-Owners$378
17Geico$454
17Country Financial$342
17Mercury Insurance$1,140
17Nationwide$533
17Progressive$925
17State Farm$533
17USAA$298
18Allstate$571
18Auto-Owners$339
18Geico$353
18Country Financial$308
18Mercury Insurance$1,020
18Nationwide$499
18Progressive$773
18State Farm$467
18USAA$252
19Allstate$348
19Auto-Owners$310
19Geico$285
19Country Financial$367
19Mercury Insurance$667
19Nationwide$387
19Progressive$423
19State Farm$410
19USAA$227
20Allstate$327
20Auto-Owners$276
20Geico$235
20Country Financial$258
20Mercury Insurance$557
20Nationwide$337
20Progressive$362
20State Farm$358
20USAA$210
21Allstate$264
21Auto-Owners$238
21Geico$215
21Country Financial$239
21Mercury Insurance$505
21Nationwide$209
21Progressive$250
21State Farm$301
21USAA$157
22Allstate$236
22Auto-Owners$212
22Geico$208
22Country Financial$223
22Mercury Insurance$421
22Nationwide$193
22Progressive$220
22State Farm$268
22USAA$148
23Allstate$216
23Auto-Owners$195
23Geico$201
23Country Financial$211
23Mercury Insurance$315
23Nationwide$179
23Progressive$196
23State Farm$236
23USAA$136
24Allstate$196
24Auto-Owners$184
24Geico$193
24Country Financial$198
24Mercury Insurance$269
24Nationwide$169
24Progressive$179
24State Farm$216
24USAA$131
25Allstate$181
25Auto-Owners$154
25Geico$161
25Country Financial$207
25Mercury Insurance$234
25Nationwide$146
25Progressive$156
25State Farm$186
25USAA$118
30Allstate$163
30Auto-Owners$105
30Geico$113
30Country Financial$166
30Mercury Insurance$201
30Nationwide$126
30Progressive$140
30State Farm$147
30USAA$102
35Allstate$163
35Auto-Owners$103
35Geico$120
35Country Financial$153
35Mercury Insurance$179
35Nationwide$119
35Progressive$134
35State Farm$144
35USAA$98
40Allstate$163
40Auto-Owners$107
40Geico$116
40Country Financial$143
40Mercury Insurance$163
40Nationwide$114
40Progressive$130
40State Farm$145
40USAA$95
45Allstate$162
45Auto-Owners$105
45Geico$116
45Country Financial$134
45Mercury Insurance$161
45Nationwide$111
45Progressive$127
45State Farm$144
45USAA$92
50Allstate$163
50Auto-Owners$103
50Geico$104
50Country Financial$127
50Mercury Insurance$155
50Nationwide$108
50Progressive$115
50State Farm$142
50USAA$88
55Allstate$162
55Auto-Owners$103
55Geico$98
55Country Financial$124
55Mercury Insurance$155
55Nationwide$106
55Progressive$110
55State Farm$138
55USAA$87
60Allstate$160
60Auto-Owners$105
60Geico$98
60Country Financial$123
60Mercury Insurance$153
60Nationwide$105
60Progressive$112
60State Farm$135
60USAA$87
65Allstate$170
65Auto-Owners$112
65Geico$100
65Country Financial$126
65Mercury Insurance$174
65Nationwide$109
65Progressive$120
65State Farm$134
65USAA$91
70Allstate$171
70Auto-Owners$125
70Geico$109
70Country Financial$132
70Mercury Insurance$200
70Nationwide$116
70Progressive$137
70State Farm$142
70USAA$105
75Allstate$195
75Auto-Owners$137
75Geico$124
75Country Financial$142
75Mercury Insurance$255
75Nationwide$131
75Progressive$180
75State Farm$156
75USAA$126

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Alpharetta, GA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$144
Nationwide$151
USAA$183
Progressive$211
Mercury Insurance$227
Allstate$241
Auto-Owners$272
State Farm$278

Final thoughts: Car insurance cost in Alpharetta, GA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Alpharetta, GA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Alpharetta, Georgia.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.