If you’re looking for car insurance rates for Atlanta, here you’ll find average Atlanta car insurance rates listed by ZIP code and company. We’ll also explain how coverage works, and how much car insurance you need.
Many factors go into calculating car insurance rates, but a driver's location is typically used to kick off the process. Insurance companies assess ZIP codes’ risk levels based on the number and severity of car insurance claims within the area. They also use different formulas when deciding what you pay, which is why the price for the same policy varies by hundreds, or thousands, from one insurer to the next. For example, Atlanta ZIP code 30310 is the priciest for Georgia car insurance, with an average rate of $1,832, the most expensive in the city and the state, according to a CarInsurance.com analysis. The highest rate from any carrier for ZIP 30310 in CarInsurance.com's analysis was $2,300 – more than double the lowest ($977).
The wide range in rates from different insurers shows why it's wise to compare car insurance rates. Enter your ZIP code in the average rate tool below to see the price for a policy in your neighborhood, as well as the highest and lowest cost fielded from six insurance companies for six age groups and three coverage levels.
RANK YOUR FAVORITE U.S. LICENSE PLATES
Georgia's license plate currently ranks
as the 14th most popular in the country!
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
Invalid ZIP code or data not available
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
Here's how Atlanta’s highest average rate ($1,832) compares to others, for a full coverage policy:
$775 more than the least expensive average rate ($1,057) in the state, Hahira ZIP 31362
$492 more than the state average ($1,340)
$203 more than the average rate for all of Denver ($1,629)
$477 more than the national average rate ($1,355)
Atlanta car insurance rates by ZIP code
Rates aren't equal through all of Atlanta’s ZIP codes.
In the chart below are the top 10 highest ZIP codes for Atlanta car insurance, on average, for a year of full coverage. You’ll see that you can save up to $1,400 just by comparing auto insurance quotes.
Average annual rate
*Methodology for rates by ZIP code:
CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Atlanta car insurance requirements
Georgia state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Cheap car insurance: Atlanta
Minimum liability coverage limits of 25/50/25 are required to drive in Georgia. Buying the state required limits is definitely the cheapest way to go. But your assets and savings aren’t shielded from lawsuits and you won’t be covered for damage to your own car.
It does cost more to buy more protection, but as you’ll see below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $808 more, or $67 a month. Just hiking to higher liability costs just $45 dollars more a year.
Georgia state minimum average annual rate: $532
Liability only; 100/50/100 average annual rate: $577
Full coverage of 100/300/100, with comprehensive and collision and $500 deductible: $1,340
For more details on how comprehensive, collision and liability work to protect you and your car as well as damage and injuries you cause in an accident, see our Georgia car insurance page or explanations of the different types of car insurance.
Who has the cheapest Atlanta car insurance rates?
Below you'll see average annual rates for Atlanta, ranked cheapest to most expensive, for three coverage levels:
State minimum liability requirements
Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible