Car insurance in Atlanta for an adult with a clean driving record and good insurance score costs $2,046 a year for a full coverage policy, according to 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 Atlanta by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Atlanta.

Key Highlights
  • Car insurance in Atlanta is cheaper than car insurance in Louisiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Atlanta is $2,046 per year or $170 per month.
  • In Atlanta, Southern Farm Bureau offers the cheapest full coverage car insurance at $98 per month.

What is the average cost of car insurance in Atlanta, LA?

The average auto insurance rates in Atlanta, LA at various coverage levels are listed below:

  • State minimum: $450 per year
  • Liability-only coverage (50/100/50): $832 per year
  • Full coverage (100/300/100): $2,046 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
Southern Farm Bureau$232$427$1,172
State Farm$378$745$1,827
Safeway Insurance$648$924$1,940
Auto Club Enterprises (AAA)$614$1,410$3,498


  • 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 Atlanta, LA?

Out of all the carriers available in Atlanta, Southern Farm Bureau offers the cheapest full coverage car insurance at $98 per month.

The second-cheapest car insurance company in Atlanta is USAA, offering car insurance at $131 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Southern Farm Bureau$98
State Farm$152
Safeway Insurance$162
Auto Club Enterprises (AAA)$292

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 Atlanta, LA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Louisiana 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 Atlanta, LA

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

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$162
Auto Club Enterprises$537


  • 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 Atlanta, LA

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

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$162
Auto Club Enterprises$418

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

Companies with the cheapest insurance by driver profile in Atlanta, LA

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 Atlanta, LA, by age

Age is a key factor when considering car insurance rates in most cities, including Atlanta – 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
16Auto Club Enterprises (AAA)$3,864
16Safeway Insurance$456
16Southern Farm Bureau$319
16State Farm$517
17Auto Club Enterprises (AAA)$1,241
17Safeway Insurance$456
17Southern Farm Bureau$209
17State Farm$456
18Auto Club Enterprises (AAA)$1,084
18Safeway Insurance$456
18Southern Farm Bureau$192
18State Farm$407
19Auto Club Enterprises (AAA)$943
19Safeway Insurance$346
19Southern Farm Bureau$179
19State Farm$360
20Auto Club Enterprises (AAA)$803
20Safeway Insurance$346
20Southern Farm Bureau$168
20State Farm$318
21Auto Club Enterprises (AAA)$619
21Safeway Insurance$310
21Southern Farm Bureau$158
21State Farm$275
22Auto Club Enterprises (AAA)$554
22Safeway Insurance$310
22Southern Farm Bureau$150
22State Farm$251
23Auto Club Enterprises (AAA)$514
23Safeway Insurance$242
23Southern Farm Bureau$143
23State Farm$226
24Auto Club Enterprises (AAA)$465
24Safeway Insurance$242
24Southern Farm Bureau$137
24State Farm$209
25Auto Club Enterprises (AAA)$373
25Safeway Insurance$216
25Southern Farm Bureau$132
25State Farm$185
30Auto Club Enterprises (AAA)$300
30Safeway Insurance$175
30Southern Farm Bureau$113
30State Farm$155
35Auto Club Enterprises (AAA)$294
35Safeway Insurance$173
35Southern Farm Bureau$103
35State Farm$153
40Auto Club Enterprises (AAA)$292
40Safeway Insurance$162
40Southern Farm Bureau$98
40State Farm$152
45Auto Club Enterprises (AAA)$288
45Safeway Insurance$160
45Southern Farm Bureau$95
45State Farm$151
50Auto Club Enterprises (AAA)$284
50Safeway Insurance$146
50Southern Farm Bureau$94
50State Farm$149
55Auto Club Enterprises (AAA)$279
55Safeway Insurance$146
55Southern Farm Bureau$95
55State Farm$144
60Auto Club Enterprises (AAA)$292
60Safeway Insurance$147
60Southern Farm Bureau$99
60State Farm$142
65Auto Club Enterprises (AAA)$321
65Safeway Insurance$147
65Southern Farm Bureau$112
65State Farm$152
70Auto Club Enterprises (AAA)$321
70Safeway Insurance$147
70Southern Farm Bureau$112
70State Farm$152
75Auto Club Enterprises (AAA)$321
75Safeway Insurance$147
75Southern Farm Bureau$112
75State Farm$152

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

Cheapest rates for drivers in Atlanta, LA, 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
State Farm$696
Auto Club Enterprises (AAA)$764

Final thoughts: Car insurance cost in Atlanta, LA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Atlanta, LA. 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


  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:, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Atlanta, Louisiana.

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

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John is the editorial director for, and 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

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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 and and managing content, now at

Nupur Gambhir

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Nupur Gambhir

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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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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.