Atlanta, GA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Atlanta, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Auto insurance rates in Atlanta, Georgia
Atlanta is the capital and the most populous city of the state of Georgia. The average auto insurance rates in Atlanta have witnessed a 157% increase from $700 in 2009 to $1,800 in 2013. Atlanta’s insurance rates are now below the state average of $2,200, but above the national average, of $1496. Atlanta is one of the most expensive auto insurance cities in Georgia. To be able to afford a car in Atlanta, you need to earn a monthly income between $3,350 and $34,960.
Atlanta’s auto insurance rates, at $1800, are lower than the state average, though a drunk driving conviction can shoot them up to $2200. Most car insurance companies will keep your premium rates high for at least three years after your first drunk driving conviction.
The average comprehensive coverage rates in Atlanta would cost $271, while the state average is $330. Similarly, collision coverage costs $271 in Atlanta, as opposed to the state average of $704.
If we take a look at the insurance rates of all the cars in Atlanta, the Mercedes CL65 AMG is the most expensive car, both in terms of the Manufacturer’s Suggested Retail Price (MSRP) as well as the annual insurance average rates. To insure a Mercedes CL65 AMG in Atlanta, you would have to shell out an average of $4,700 every year. The Ford Edge SE is the cheapest car to insure, with an annual average premium of $1,000. Among the SUVs, the GMC Terrain is the least expensive, with an MSRP of $23995 and an annual average insurance rate of $1400. On the other hand, with an MSRP of about $70250 and an annual average insurance rate of $2500, the Porsche Cayenne is the most expensive SUV in Atlanta.
In the luxury car segment, the Audi A4 is the least expensive and the Porsche Cayenne is the most expensive in Atlanta. The Audi has an MSRP of around $39995 and an average insurance rate of $2600. The Porsche has an MSRP of $70250, with the average annual insurance rate of $2500.
Moving on to the small car segment, the Hyundai Accent is the least expensive car you can opt for. With an MSRP of $17700 and an insurance rate of $1200, the Hyundai Accent is the most affordable small car in Atlanta. On the other hand, the Volkswagen GTI is the costliest, with an MSRP of $31860 and annual insurance rate of $1300.
Car insurance savings in Atlanta, Georgia, varies by about $1,995
According to the insurance provider GEICO, “Atlanta is not only the state capital of Georgia, but it's also the 9th largest metropolitan area in the U.S. With nearly 5.5 million residents, there's a lot of congestion around the metro area. It's important to not drive too fast or tailgate on Atlanta's many highways and city streets, as backups are frequent, especially when it rains. Even if you regularly maintain a safe distance and speed, it's important to have adequate auto insurance in Atlanta to protect you and your vehicle.”
In a recent analysis of car insurance premiums in Atlanta, Georgia, Zimlon found that drivers can save between $549 and $1,995, depending on their choice of company. The greatest difference between the cheapest and median car insurance prices at $1,995 is for 35-year-old married women with 17-year-old single male drivers. The least difference of $549 is for 40-year-old married male drivers with a clean driving record.
Zimlon conducted this analysis using information obtained from the Office of Insurance and Safety Fire Commissioner, Georgia. Several factors can influence car insurance rates: the car model, coverage values, daily and annual mileage, etc. The car chosen for this survey is a 2012 Toyota Camry, six cylinder, four-door sedan. The property damage limit per accident is $25,000. The bodily injury coverage per accident is $50,000. The uninsured motorist coverage per person is $25,000. Daily mileage ranges from 12 miles to over 15 miles. Annual mileage is between 12,000 miles and over 15,000 miles. The comprehensive and collision deductibles chosen are $500 and $1,000, respectively. The medical payment coverage per accident is $2,000.
A comparative analysis of car insurance prices per company revealed that AIG Property Casualty Company offers the cheapest premium of $292 for 35-year-old married women with 17-year-old single male drivers. Great Northern Insurance Company offers the median premium of $2,287, for this cohort. Therefore drivers belonging to this cohort can save $1,995 by choosing the right company. The second highest saving of $1,719 is for 19-year-old single male drivers with a clean record. Once again, AIG offers the cheapest premium for this cohort, at $569. The Cincinnati Insurance Company offers the median premium for this cohort at $2,288.
Garrison Property and Casualty Insurance Company offers the most expensive premium of $15,292 for 19-year-old single female drivers with one speeding ticket in 12 months. Victoria Specialty Insurance Company offers the median premium of $2,152. The difference between the median and the most expensive car insurance premiums is significantly high ($13,140) for this category of drivers.
Among 8 driver categories analyzed, 5 categories receive the cheapest rates from Coast National Insurance Company. Everest Security Insurance Company offers the most expensive premium in 4 categories.
The following graph compares car insurance across key companies for Atlanta, GA.
The following table compares the car insurance premiums offered by key companies in Atlanta, Georgia. In addition, the table also lists the differences between the median and cheapest or most expensive rates, offered by these companies.
| Cohort | Cheapest car insurance companies in Atlanta, GA | Second cheapest car insurance companies in Atlanta, GA | Car insurance companies offering median premium in Atlanta, GA | Second most expensive car insurance companies in Atlanta, GA | Most expensive car insurance companies in Atlanta, GA | Difference between the cheapest and median prices | Difference between the most expensive and median prices |
|---|---|---|---|---|---|---|---|
| 19-year-old single female drivers | Coast National Insurance Company ($533) | AIG Property Casualty Company ($569) | Allstate Property & Casualty Insurance Company ($1,873) | Everest Security Insurance Company ($5,750) | Memberselect Insurance Company ($5,945) | $1,340 | $4,072 |
| 19-year-old single female drivers with one speeding ticket in 12 months | Coast National Insurance Company ($585) | AIG Property Casualty Company ($637) | Victoria Specialty Insurance Company ($2,152) | Main Street America Protection Insurance Company ($7,575) | Garrison Property And Casualty Insurance Company ($15,292) | $1,567 | $13,140 |
| 19-year-old single male drivers | AIG Property Casualty Company ($569) | 21st Century Centennial Insurance Company ($730) | The Cincinnati Insurance Company ($2,288) | Memberselect Insurance Company ($8,125) | Everest Security Insurance Company ($8,810) | $1,719 | $6,522 |
| 28-year-old married male drivers with one speeding ticket in 30 months | Coast National Insurance Company ($315) | 21st Century Centennial Insurance Company ($485) | Progressive Mountain Insurance Company ($1,629) | Horace Mann Insurance Company ($7,701) | Amica Mutual Insurance Company ($7,912) | $1,314 | $6,283 |
| 30-year-old married female drivers with one speeding ticket in 12 months | Coast National Insurance Company ($364) | National General Assurance Company ($387) | Geico General Insurance Company ($1,253) | State Farm Fire And Casualty Company ($3,061) | Everest Security Insurance Company ($3,624) | $889 | $2,371 |
| 35-year-old married women with 17-year-old single male drivers | AIG Property Casualty Company ($292) | Horace Mann Property And Casualty Insurance Company ($458) | Great Northern Insurance Company ($2,287) | Everest Security Insurance Company ($8,518) | Memberselect Insurance Company ($9,960) | $1,995 | $7,673 |
| 40-year-old married male drivers | Coast National Insurance Company ($220) | 21st Century Centennial Insurance Company ($268) | Progressive Mountain Insurance Company ($769) | Peak Property And Casualty Insurance Corporation ($2,110) | Everest Security Insurance Company ($2,415) | $549 | $1,646 |
| 65-year-old retired married drivers | AIG Property Casualty Company ($192) | 21st Century Centennial Insurance Company ($253) | Infinity Safeguard Insurance Company ($762) | Federal Insurance Company ($2,066) | Everest Security Insurance Company ($2,636) | $570 | $1,874 |
Factors that can influence the cost of car insurance in Atlanta, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Atlanta, GA Auto Insurance Rates
- Atlanta, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Atlanta, GA
- Multi Vehicle Insurance Savings in Atlanta, GA
- How Credit Score Affects Car Insurance Rates in Atlanta, GA
- How DUI Affects Auto Insurance Premiums in Atlanta, GA
- Top Auto Insurance Agents Near Atlanta, GA
- How Driving Violations Affect Auto Insurance Rates in Atlanta, GA
- Atlanta, GA Auto Insurance Discounts on Anti Theft Feature
- Atlanta, GA Auto Insurance Company Reviews
Atlanta, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Atlanta, GA with that of other cities in and around Atlanta.
| Atlanta | Smyrna | Hapeville | College Park | Fulton County | East Point | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,738 | $1,678 | $1,593 | $1,644 | $1,762 | $1,577 |
Atlanta, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Atlanta, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Atlanta | $1,404 | $1,186 |
| Fulton County | $1,396 | $1,179 |
| Mableton | $1,535 | $1,296 |
| Vinings | $1,486 | $1,255 |
| East Point | $1,441 | $1,217 |
| Hapeville | $1,612 | $1,362 |
| Smyrna | $1,843 | $1,556 |
| College Park | $1,554 | $1,313 |
Atlanta, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Atlanta, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,640 |
| 20 Years | $2,233 |
| 30 Years | $1,720 |
| 40 Years | $1,655 |
| 50 Years | $1,533 |
| 60 Years | $1,554 |
| 70 Years | $1,809 |
Atlanta, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Atlanta, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,989 | $487 |
| 3 Vehicles | $4,484 | $730 |
| 4 Vehicles | $5,979 | $973 |
Savings on 2 Vehicles bundle:$487
Savings on 3 Vehicles bundle:$730
Savings on 4 Vehicles bundle:$973
Atlanta, GA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Atlanta, GA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Atlanta | $1,738 | $3,177 |
| Fulton County | $1,762 | $3,221 |
| Mableton | $1,645 | $3,007 |
| Vinings | $1,824 | $3,334 |
| East Point | $1,577 | $2,883 |
| Hapeville | $1,593 | $2,912 |
| Smyrna | $1,678 | $3,068 |
| College Park | $1,644 | $3,005 |
Atlanta, GA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,491 |
| Excellent (740-799) | $1,702 |
| Good (670-739) | $1,811 |
| Average (580-669) | $2,363 |
| Poor (300-579) | $2,835 |
Atlanta, GA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Barry Domangue | State Farm | 1355 Ptree St NE Ste 1290, Atlanta, 30309-3219 | 404-853-3772 |
| Mark Pritchard | State Farm | 3280 Howell Mill Rd NW Ste 107, Atlanta, 30327-4107 | 404-856-4950 |
| Helen Onwuzulike | State Farm | 2361 Windy Hl Rd SE Ste 604D, Marietta, 30067-8661 | 770-955-1667 |
| All Pro Insurance | None | 3640 Martin Luther King Jr Dr Sw, Atlanta, 30331 | None |
| Rhodes Risk Advisors | Liberty Mutual Independent | 3340 Peachtree Rd Ne 3340 Peachtree Rd Ne, Atlanta, 30326 | None |
| Bryan Holloway | Liberty Mutual | 200 Galleria Pkwy Nw Ste 110, Atlanta, 30339 | 1-770-541-6679 |
| Valerie Randolph | Allstate | 1995 Windy Hill Rd Se Ste 5, Smyrna, 30080 | (770) 435-7667 |
| Bill Wise | Allstate | 1781 Veterans Memorial Hwy SW Ste 6A, Austell, 30168 | (770) 739-1161 |
| Michael Spells | Liberty Mutual | 200 Galleria Pkwy Nw Ste 110, Atlanta, 30339 | 1-770-541-6679 |
| Mag Mutual Insurance Agency Llc | Travelers | 3535 PIEDMONT ROAD NE BLDG 14 STE 1000, ATLANTA, 30305 | 404-842-5600 |
| Clewis Enterprises Inc. | Nationwide | 2255 Cumberland Pkwy Suite 200, Atlanta, 30339 | (678) 426-0000 |
| Insurance Office Of America | Liberty Mutual Independent | 2839 Paces Ferry Rd Se Ste 1200 , Atlanta, 30339 | None |
| First Horizon Insurance Agency Inc | Travelers | 200 GALLERIA PKWY SE STE 600, ATLANTA, 30339 | 404-266-7160 |
Atlanta, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$76 | $1,814 |
| Driver's Failure In Showing Documents | +$169 | $1,907 |
| Driving With An Expired Registration | +$179 | $1,917 |
| Driving At A Considerably Slow Pace | +$377 | $2,115 |
| Using A Cellphone While Driving | +$398 | $2,136 |
| Running A Red Light | +$405 | $2,143 |
| Speeding | +$426 | $2,164 |
| Driving A Vehicle Without The Required Permission | +$541 | $2,279 |
| Driving With An Expired/Suspended License | +$1,171 | $2,909 |
Atlanta, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,668 |
| Active Disabling Device | $1,668 |
| Tracking Device | $1,634 |
| Passive Disabling Device | $1,616 |
Latest Auto Insurance Reviews in Atlanta, GA | Back to Top
GeicoI don't think they offer anything that other Auto Insurance carriers offer. I haven't been offered anything extra.
State FarmMy deductible is $500 in which I was later reimbursed for. It believe its the same or if not cheaper than other car insurance companies. But I don't have a vanishing deductible like some companies offer.
Progressiveits affordable premium makes the higher deducible more tolerable being i have never needed to file a claim.
Safeco InsuranceMy car insurance company's customer service is phenomenal. The roadside assistance is particularly well received. It is prompt and they always come prepared.
AllstateMy premium isn't terrible and neither is my deductible, I am sure I could find a lower premium elsewhere but I am satisfied with the coverage I am receiving.
ProgressiveWe did not have any chance to claim any insurance however by the looks of it I think the company's customer service is very good.
GeicoI am very pleased with Geico Insurance. They offer affordable insurance with great customer service. I would not hesitate to recommended Geico to friends.
ProgressiveI do like the good student discount, however there seems to be no real parameters to what justifies a 'good student"
State FarmI dislike our monthly bill!! It is never the same and continues to go up regardless of all the discounts we have. I wish it would change so we didn't have to switch because we've been with them for so long.
American Summit InsuranceI like that the policies are cheap, the agents are easy to contact, and that the company is small and local.
Geicoi dont really have any dislike of the company. they make everything pretty easy for anyone to do. straightforward pricing and great customer care. no complaints from me.
American National Property And Casualty CompanyIn-person service is lacking as all calls to my provider are routed through a large call center. Response times are slow compared to other providers, often taking multiple days.
GeicoWhat I like about this company is how friendly, and willing they are to go above and beyond to give me the best experience and most bang for my buck. I'm really happy that I changed insurances.
ProgressiveI like that Progressive insurance offers the lowest premiums I can find at a good coverage limit with a very interactive mobile phone app.
ProgressiveThe premium is less, overall, and I didn't have to sacrifice coverage in order to get the price. In general, though, I think auto insurance is an unnecessary evil.
AllstateMy car insurance covers personal injury and property damage. They will provide me with a rental car which is very useful. I am also covered with bodily injury liability. Definitely good coverage.
State FarmI have found them to have better prices and to be very reliable. We had Farm Bureau before and it steadily increased. Been with State Farm 2 years and the cost has lowered.