Best Cheap Car Insurance in Atlanta for 2022 | Bankrate

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.

Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here’s an explanation for how we make money . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure .

The company with the cheapest car insurance in Atlanta is USAA, according to Bankrate’s 2021 study of quoted annual premiums. The average cost of car insurance in Atlanta is $2,325 per year for full coverage, or around $194 per month. For minimum coverage, Atlanta drivers pay an average annual rate of $1,013.

Compare rates and save on auto insurance today!

Close X

Rates

Rates keep going up in 2022. Get a new quote and save today.

Compare rates and save on auto insurance today!

Close X

Advertising Disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

Are you insuring multiple vehicles?

Yes

Checkmark

No

Checkmark

Are you currently insured?

Yes

Checkmark

No

Checkmark

Are you a homeowner?

Yes

Checkmark

No

Checkmark

Age

Caret DownCaret Up

Please select age

Zip code

Location-Icon
Created with Sketch.

Save on auto insurance with quotes from trusted providers like:

Progressive

Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?

Allstate

Safe drivers choose Allstate®

Powered by Coverage.com (NPN: 19966249)

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See

more providers in

Choose from

insurers in

View rate

Arrow Right

Rate Increase Alert

Rates increased up to 12% this year.

Costs will continue to rise through 2022.
Shop for a better rate before you renew your current policy.

Advertising Disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

Are you insuring multiple vehicles?

Yes

Checkmark

No

Checkmark

Are you currently insured?

Yes

Checkmark

No

Checkmark

Are you a homeowner?

Yes

Checkmark

No

Checkmark

Age

Caret DownCaret Up

Please select age

Zip code

Location-Icon
Created with Sketch.

Save on auto insurance with quotes from trusted providers like:

Progressive

Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?

Allstate

Safe drivers choose Allstate®

Powered by Coverage.com (NPN: 19966249)

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See

more providers in

Choose from

insurers in

View rate

Arrow Right

Though minimum coverage tends to offer the cheapest rates, insurance agents typically recommend higher liability limits for greater financial protection. If you cause an accident with injuries or property damage, you may have to pay out of pocket if your liability exceeds your insurance coverage limits. Consider these best cheap car insurance companies in Atlanta when purchasing or shopping for auto insurance coverage.

Best cheap car insurance companies in Atlanta

The best cheap car insurance companies in Atlanta are USAA, State Farm, Auto-Owners, Allstate and Geico, according to Bankrate’s study of quoted annual premiums from Quadrant Information Services. We selected the companies based on several criteria, including price, available coverage, discounts, financial strength, customer satisfaction and mobile accessibility.

These factors are used to calculate a Bankrate Score for each carrier based on a five-point scale. The companies highlighted below with the highest Bankrate Score excel in all or most areas, while those with lower Bankrate Scores struggle in some areas. Auto insurance shoppers can use Bankrate Scores to help find the cheapest car insurance companies in Georgia and Metro Atlanta with the criteria most important to them.

Insurance company
Bankrate Score

J.D. Power score (Southeast)
Average annual premium for full coverage
Average annual premium for minimum coverage

USAA*
5
890/1,000
$1,641
$682

State Farm
4.7
859/1,000
$1,672
$657

Auto-Owners
4.5
849/1,000
$1,853
$739

Allstate
4
838/1,000
$2,064
$879

Geico
4.7
843/1,000
$2,094
$720

*Not officially ranked with J.D. Power due to eligibility restrictions

USAA

Of all the insurance companies in Atlanta included on our list, USAA offers the most affordable rates for full coverage on average. Besides the typical common car insurance coverage types, USAA drivers may also add roadside assistance and rental car reimbursement to their policy. Those who practice safe driving habits can also earn premium discounts for safe driving and if they participate in the carrier’s SafePilot program.

Although it is rank-ineligible because its products are restricted to members of the military community, USAA, the fifth-largest auto insurer in the country based on market share data from the Insurance Information Institute (Triple-I), receives the highest customer satisfaction score in the Southeast region 2021 J.D. Power Auto Insurance Study, with 890 out of 1,000 points. With high rankings, affordable rates and other positive factors, USAA receives the highest Bankrate Score of 5.0.

Learn more: USAA Insurance review 

State Farm

With the next-highest Bankrate Score on our list at 4.7, State Farm, the largest U.S. auto insurer, also costs just a few dollars more in premium compared to USAA for full coverage. Drivers could supplement their coverage with valuable add-ons like emergency road service, car rental and travel expenses and rideshare coverage.

State Farm performs above average with 859 points in the Southeast region. However, State Farm does not have as many discount opportunities as some other carriers, which may prevent some drivers from accessing the cheapest rates with this insurer. The company, which is rated A++ (Superior) by AM Best, has a network of exclusive agents throughout Metro Atlanta.

Learn more: State Farm Insurance review

Auto-Owners

While Auto-Owners does not have the cheapest average rates, it still boasts premiums well below the Atlanta average. Drivers can also personalize their auto coverage in multiple ways with Auto-Owners. For instance, there is its exclusive Personal Auto Plus package, which provides 10 different coverage types for one low price, including lock rekeying, physical damage coverage for trailers, trip interruption and ID theft expense.

Auto-Owners performed well with 849 customer satisfaction points in the J.D. Power Auto Insurance Study, a couple of points above the industry average. With several ways to personalize your auto insurance policy and Auto-Owners’ favorable third-party customer satisfaction scores, the company earns a respectable 4.5 Bankrate Score.

Learn more: Auto-Owners Insurance review

Allstate

Though Allstate has higher average premiums in the Atlanta area, drivers might be able to lower their cost of car insurance with stackable discounts. Allstate may extend discounts to insureds when they pay their bill in full, drive safely, sign policy documents early and go paperless. Those who insure more than one car and have more than one policy with Allstate could also save.

One drawback is the provider’s below-average J.D. Power customer satisfaction score. This, combined with higher rates, are two reasons Allstate receives the lowest Bankrate Score — 4 — on our list of cheap car insurance companies in Atlanta.

Learn more: Allstate Insurance review

Geico

Although Geico, the second-largest U.S. auto insurer, advertises some of the cheapest rates, Bankrate found the insurer has the highest average premiums on our list of companies offering the best, cheap car insurance in Atlanta. Drivers can add on features to their policy like rental reimbursement or mechanical breakdown insurance. The insurer also has one of the longest lists of discounts, which may help drivers get more affordable rates.

Despite a lower-than-average J.D. Power auto insurance customer satisfaction score in the Southeast region, Geico still earns a 4.7 Bankrate Score — likely due to its long list of discounts and digital policy management options.

Learn more: Geico Insurance review

How to get and keep the cheapest car insurance in Atlanta

To get and keep the cheapest car insurance, Atlanta and Metro Atlanta drivers should consider the cost of purchasing at least minimum coverage and weigh the impact of their insurable risk. Maintaining a clean driving record and practicing safe driving habits can go a long way in reducing premiums over time. Insurance providers typically reward these behaviors with lower rates, whether you are a new or existing customer.

Consider these other ways to get and keep the cheapest car insurance in Atlanta:

  • Know your coverage requirements. When searching for affordable rates, know what coverage is required and what is optional. While you won’t be able to purchase less than the state-required minimum, knowing how much coverage you need can help you estimate how much you’ll pay. Remember to review your policy when you make changes or your policy renews, so you can adjust your coverage as needed and only pay for what you need.
  • Limit your claims exposure. To keep affordable rates, avoid driving habits that could increase your chances of being cited for a moving violation or causing an at-fault accident. Blemishing your clean driving record can cause you to lose discounts and incur surcharges on your policy that increase your cost of car insurance.

Frequently asked questions

    • The best car insurance company in Atlanta for you will offer the cheapest rates for the coverage you need. Comparing quotes from various insurance providers can help you find the best car insurance in Atlanta, whether it is with one carrier on Bankrate’s list above or with a different insurer.

    • The cost of car insurance in Atlanta is unique to each driver, as driver and household characteristics help determine your premium. Based on data from Quadrant Information Services, the average Atlanta driver pays $2,325 for full coverage and $1,013 for minimum coverage.

    • How much car insurance you need in Atlanta varies by your specific situation. For instance, you may need full coverage to satisfy lender or lease requirements for a new or used vehicle. Or, if you do not have access to another car while yours is being repaired after a covered claim, you may want to consider adding rental car reimbursement coverage as an option.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Leave a Reply

Your email address will not be published. Required fields are marked *