Cheapest Car Insurance in Atlanta

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Atlanta, Georgia, is one of the biggest cities in the south and the entire nation. There are cars everywhere in the ATL. For drivers looking to save every dollar they can, they might want to know how to get the cheapest car insurance in Atlanta. We will review some basic strategies to help you get solid coverage at the cheapest possible rates.  

This southern city has a vibrant economy fueled partly by the massive Hartsfield-Jackson area airport. The airport alone employs thousands of residents and is one of the busiest in the world. An estimated 5.7 million residents make the “ATL” home. Atlanta also has some of the busiest freeways in the nation. 

With over a million cars on the road, traffic congestion is constant. Another issue drivers face is higher insurance rates than in most other large cities. Let’s dig deeper into coverage requirements in the ATL and look at some basic steps to get the cheapest car insurance in Atlanta and almost anywhere else. Enter your zip code and complete a quick online application to compare rates in minutes.

Cheapest car insurance in Atlanta

Atlanta Drivers Get into More Accidents 

Many drivers in Atlanta pay nearly double what many people pay in other cities for the same coverage. High auto insurance costs can really take a bite out of a person’s budget.

One of the big culprits of these escalating insurance costs is accident rates. Atlanta city drivers get into about 43% more crashes than the median U.S. rate. This can be attributed to traffic congestion, including many common stop-and-go accidents during commute peak hours. 

As a result, insurers have raised premiums significantly for those drivers in the metro Atlanta areas with the highest concentration of accidents. What may not seem fair to those hit with significant premiums is people who live just 30 miles outside of Atlanta might pay half price for the same coverage.

If you plan to move to the city, check out the average costs for insuring your vehicle in several zip codes. Rates can vary a lot, and you could save hundreds annually just by moving to a cheaper zip code with better pricing for the coverage you want. To start, enter your zip code. Get insured for less today and compare up to ten rates in under five minutes.

Median Atlanta Auto Insurance Rates

Most people know that large urban areas are more costly for car insurance than small rural towns, but Atlanta is especially pricey. The national median average for American car insurance is around $1,675 per year.  

It is hard to get cheap car insurance in Atlanta, GA, with low down payment. Auto insurance rates in Atlanta are considerably higher than the nation’s average. For full coverage, drivers, on average, pay $1,981 per year in Atlanta, which is more than $300 more than the national average. Another reason Atlanta costs more to insure a vehicle is because of more frequent accidents and vehicle thefts. 

It might be wise to get liability-only coverage if you have a vehicle worth less than $6,000. Liability coverage in Atlanta starts at about $59 per month or $708 annually. If you lease a vehicle in Atlanta, you will be required in almost all cases to buy comprehensive coverage.

Auto Insurance Providers in Atlanta

The largest national carriers and several smaller insurers have strong market positions in the greater metro Atlanta area. Some of the leading insurers including:

  1. Geico
  2. Georgia Farm Bureau
  3. State Farm
  4. Progressive
  5. Farmers
  6. Country
  7. USAA
  8. Auto-Owners
  9. Allstate
  10. Liberty Mutual
  11. Allied
  12. Nationwide

Based on several tests from leading web-based consumer research sites, Geico car insurance has the cheapest Atlanta car insurance rates, with average policies under $1,000 per year. This makes the gecko insurance company much more affordable than competitors like Liberty Mutual. The success of Geico can be attributed to its strong brand awareness and low direct pricing that many competitors with higher cost structures can’t match.

Minimum Auto Insurance Requirements in Atlanta

If you drive a vehicle in the state of Georgia, you are required by law to cover it, in the least, with state minimum levels of coverage. Georgia’s minimum requirements are 25/50/25:

Many drivers will need more than minimum auto insurance coverage. Many accidents will result in property damage and medical costs that exceed minimum limits. This could leave an at-fault driver liable for the costs of the accident that are above and beyond what is covered by the policy.  Most agents recommend getting comprehensive coverage with high limits for these reasons.   

Each policy must contain the following to be valid in the state of Georgia.

  • Liability for Individual Bodily Injuries (BIL) of $25,000 represents the maximum payout your insurer will pay an injured person after an auto accident.
  • Complete Liability for Everyone Injured: $50,000 – This is the total amount your insurance company will pay for all injuries to each person after an accident
  • Liability for Property Damage: (PDL) $25,000 – This is the maximum amount your provider will pay out for damage done to property as a result of an automobile accident

Tips for Getting the Cheapest Car Insurance in Atlanta

One of the easiest ways to get lower premiums is to raise your deductible amount. If you are a good driver and have some money saved away, consider raising it to $1,000 or even more. Doing so will lower your bill by about 10%. 

Many people often ignore another helpful tip: taking advantage of all the discounts you qualify for. Typical discounts include safe driver, bundling auto and home insurance, military, teacher, and good student discounts (3.5 GPA or higher). You could save 10% off your coverage costs if you qualify for one or more discounts.

Search Online for the Cheapest Atlanta Car Insurance Policy 

Let’s face it, the web has taken over most people’s lives and is an amazing tool for saving money. The best part about searching for the cheapest car insurance in Atlanta is saving time and money by reviewing the best rates in minutes. You can even use your smartphone to compare quotes.  

Get started today with your custom online quote. At sites like Good To Go insurance, you can evaluate five or more free quotes in less than ten minutes. This saves you so much time and hassle. Lower your coverage costs in Atlanta today.