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Cheap Auto Insurance in Atlanta, GA

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updated: Apr. 6, 2020

Who has Cheap Car Insurance in Atlanta, GA?

Among all of the insurance companies we surveyed in our 2020 Atlanta study, here are the cheapest rates we found.

Driver Cheapest Full Coverage Cheapest Liability Only
Retired Couple $1,277 yr. (Progressive) $323 yr. (AIG)
Middle Age Male $1,330 yr. (Progressive) $576 yr. (AIG)
Male (DUI & Speeding) $2,539 yr. (Progressive) $1,184 yr. (LM)
Female (Accident & Speeding) $2,639 yr. (Progressive) $1,069 yr. (LM)
Young Male $3,765 yr. (Progressive) $1,291 yr. (AIG)
Young Female $3,399 yr. (Progressive) $1,144 yr. (AIG)
Young Female (Speeding) $3,958 yr. (Safe Auto) $2,210 yr. (Safe Auto)
Young Male (Speeding) $4,435 yr. (Progressive) $2,484 yr. (Safe Auto)

Cheap Car Insurance Rate Comparisons in Atlanta

Below you’ll find all the yearly premiums we uncovered for a wide variety of driving situations in Atlanta. You’ll notice in the examples that the pricing difference between the cheapest and most expensive insurance is extreme. In one example, Georgia’s state minimum liability coverage had a price difference of more than $10,000 between the least expensive and most expensive insurance company. This is why it is so critically important to shop around.

40 year-old Male

In this example we gathered rates for a married 40 year old male with no accidents who drives 12,000 miles per year. The rates spanned from $738 – $2,132 for liability insurance alone. Full coverage insurance ranged from $1,330 – $6,227.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,330 $738
NATIONWIDE $1,934 $919
MILBANK $1,935 $982
ESURANCE $1,948 $868
LM $1,965 $825
FIRST ACCEPTANCE $1,969 $927
TREXIS ONE $1,978 $780
CHUBB $2,113 $912
MIDVALE $2,149 $1,092
AMERICAN STANDARD $2,160 $1,101
TEACHERS $2,182 $899
AIG $2,219 $576
HORACE MANN $2,259 $932
STATE FARM $2,283 $1,179
INFINITY $2,290 $1,037
COAST $2,325 $1,113
ALFA $2,402 $1,342
MGA $2,562 $1,346
METROPOLITAN $2,738 $1,418
OLD AMERICAN $2,750 $1,460
INSUREMAX $2,794 $1,334
SAFEWAY $2,842 $1,524
TRUSTGARD $2,859 $1,600
SOUTHERN $2,940 $1,531
ALFA $3,087 $1,727
GEORGIA FARM BUREAU $3,179 $1,435
METROPOLITAN $3,180 $1,514
DIRECT $3,190 $1,550
OMNI $3,347 $1,796
TRAVELERS $3,421 $1,615
CENTRAL $3,457 $1,906
SAFECO $3,487 $1,503
LOYA $3,592 $1,492
MAIN STREET AMERICA $3,777 $1,600
MEMBERSELECT $4,134 $1,716
ACCC $4,551 $2,849
UNIQUE $4,843 $2,228
PEAK $4,874 $2,160
UNITED $4,920 $2,136
AMICA $5,902 $2,202

30 year-old Female (One Accident & Speeding)

In this example we gathered rates for a married 30 year old female with one speeding ticket and one accident who drives 12,000 miles per year.

INSURANCE COMPANY Full Coverage Liability Only
PROGRESSIVE $2,639 $1,465
AMERICAN NATIONAL $2,654 $1,422
MILBANK $2,690 $1,421
AUTO-OWNERS $2,703 $1,375
STATE FARM $2,737 $1,429
LM $2,772 $1,069
FIRST ACCEPTANCE $2,829 $1,337
HAULERS $2,890 $1,506
AMERICAN STANDARD $2,928 $1,605
ESURANCE $3,038 $1,556
MERCURY $3,096 $1,597
MGA $3,150 $1,664
SOUTHERN $3,204 $1,676
TEACHERS $3,397 $1,439
METROPOLITAN $3,412 $1,866
HORACE MANN $3,531 $1,492
CHUBB NATIONAL $3,660 $1,642
NATIONWIDE $3,766 $2,023
COAST NATIONAL $3,796 $1,860
INFINITY $3,806 $1,740
AIG $3,830 $961
OLD AMERICAN $3,920 $2,278
GEICO $4,000 $2,017
GOVERNMENT EMPLOYEES $4,000 $2,017
TREXIS ONE $4,004 $1,792
GEORGIA FARM BUREAU $4,242 $1,999
INSUREMAX $4,596 $2,406
MIDVALE $4,678 $2,618
ALFA $4,809 $2,762
ALLIED $4,892 $2,393
TRAVELERS $4,896 $2,223
CENTRAL $4,931 $2,744
OMNI $5,147 $2,772
SAFECO $5,745 $2,560
LOYA $6,090 $3,044
UNIQUE $6,214 $3,136
UNITED $6,525 $2,906
PEAK $7,004 $3,270
MAIN STREET AMERICA $7,238 $2,883
ACCC $7,549 $4,907
MEMBERSELECT $7,863 $3,956
AMICA $9,905 $3,494
DIRECT GENERAL $11,310 $5,553

28 year-old Male (DUI & Speeding)

Here are the rates we found for a married 28 year old male with one speeding ticket and a DUI who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $2,539 $1,550
AMERICAN NATIONAL $2,780 $1,512
LM $2,911 $1,184
ESURANCE $3,008 $1,200
GARRISON $3,019 $1,539
STATE FARM $3,253 $1,998
MERCURY $3,335 $1,776
COAST NATIONAL $3,377 $1,637
FIRST ACCEPTANCE $3,585 $1,731
ALFA $3,717 $2,187
METROPOLITAN $3,736 $2,056
INSUREMAX $3,832 $1,862
MGA $4,124 $2,171
OLD AMERICAN $4,290 $2,452
AMERICAN STANDARD $4,534 $2,392
OMNI $4,621 $2,487
GEICO $4,667 $2,597
GOVERNMENT EMPLOYEES $4,667 $2,597
NATIONWIDE $4,672 $2,615
INFINITY $4,801 $2,241
HORACE MANN $5,317 $2,871
SAFEWAY $5,548 $3,618
METROPOLITAN $5,624 $3,122
MIDVALE $5,707 $3,229
AIG $5,762 $2,013
ALFA $6,117 $3,603
UNIQUE $6,267 $3,116
TRAVELERS $6,452 $3,136
SOUTHERN $6,540 $3,504
SAFECO $6,620 $3,077
PEAK $6,706 $3,110
LOYA $6,926 $3,036
ALLIED $7,312 $3,659
UNITED $7,789 $3,689
DIRECT $7,824 $4,097
CHUBB $8,337 $3,840
GEORGIA FARM $8,690 $4,192
TEACHERS $14,039 $7,075
HORACE MANN $14,663 $7,334
CENTRAL $14,963 $8,451
MEMBERSELECT $15,133 $7,316
AMICA $32,141 $13,358

65 year-old Retired Couple

In this example with gathered rates for a married 65 year old couple with clean driving records driving 7,500 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,277 $708
CHUBB $1,290 $553
AMERICAN NATIONAL $1,370 $710
AUTO-OWNERS $1,382 $660
AIG $1,409 $323
LM $1,496 $622
SAFE AUTO $1,504 $841
GEICO $1,581 $737
GOVERNMENT EMPLOYEES $1,581 $737
MIDVALE $1,649 $825
ALFA $1,664 $877
MILBANK $1,759 $919
STATE FARM $1,841 $937
FIRST ACCEPTANCE $1,843 $963
TEACHERS $1,879 $764
NATIONWIDE $1,921 $918
HORACE MANN $1,940 $792
TREXIS ONE $1,948 $884
ESURANCE $2,068 $966
AMERICAN STANDARD $2,097 $1,126
MGA $2,112 $1,100
MERCURY $2,133 $1,152
ALLIED $2,349 $1,069
TRUSTGARD $2,455 $1,401
METROPOLITAN $2,536 $1,302
INSUREMAX $2,623 $1,334
TRAVELERS $2,737 $1,327
COAST $2,768 $1,395
CENTRAL $2,787 $1,509
SOUTHERN $2,793 $1,450
SAFECO $2,844 $1,311
INFINITY $2,865 $1,380
METROPOLITAN $2,928 $1,410
GEORGIA FARM BUREAU $2,928 $1,351
SAFEWAY $3,014 $1,588
OLD AMERICAN $3,026 $1,644
MAIN STREET AMERICA $3,341 $1,369
PEAK $3,468 $1,696
OMNI $3,535 $1,914
MEMBERSELECT $3,563 $1,635
DIRECT $3,640 $1,955
LOYA $3,666 $1,704
AMICA $4,152 $1,572
UNIQUE $4,890 $2,748
UNITED $5,445 $2,529
ACCC $16,883 $12,242

19 year-old Female (Speeding Ticket)

In this example we gathered rates for a single 19 year old female with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
SAFE AUTO $3,958 $2,210
PROGRESSIVE $4,049 $2,351
FIRST ACCEPTANCE $4,438 $2,330
AUTO-OWNERS $4,526 $2,642
CHUBB $4,685 $2,379
GEICO $4,909 $2,716
GOVERNMENT EMPLOYEES $4,909 $2,716
METROPOLITAN $5,080 $2,740
STATE FARM $5,134 $2,962
ALFA $5,172 $2,953
ESURANCE $5,300 $2,908
COAST $5,362 $3,113
NATIONWIDE $5,494 $3,495
TEACHERS $5,503 $2,375
AMERICAN $5,548 $3,300
HORACE MANN $5,737 $2,462
TREXIS ONE $5,908 $2,316
MIDVALE $5,948 $3,801
MERCURY $6,092 $3,573
MGA $6,329 $3,649
AMERICAN STANDARD $6,593 $4,167
SOUTHERN $6,914 $3,706
SAFEWAY $6,984 $4,792
OLD AMERICAN $7,096 $4,872
ALLIED $7,473 $3,781
LM $7,552 $3,770
GEORGIA FARM BUREAU $7,783 $3,892
MILBANK $7,799 $4,674
METROPOLITAN $7,806 $4,456
LOYA $8,096 $4,684
TRAVELERS $8,170 $4,041
CENTRAL $8,426 $4,733
PEAK $9,222 $4,962
UNIQUE $10,059 $5,062
INFINITY $10,068 $4,464
INSUREMAX $10,176 $6,159
TRUSTGARD $10,571 $7,190
OMNI $10,614 $5,625
SAFECO $11,927 $6,758
ACCC $12,222 $8,592
UNITED $12,282 $7,001
AMICA $13,528 $5,504
MAIN STREET AMERICA $14,095 $6,550
MEMBERSELECT $17,077 $10,346
DIRECT $17,589 $9,495

19 year-old Male (Speeding Ticket)

In this table you’ll find rates for a single 19 year old male with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $4,435 $2,540
SAFE AUTO $4,442 $2,484
FIRST ACCEPTANCE $4,801 $2,528
GEICO $4,828 $2,633
GOVERNMENT EMPLOYEES $4,828 $2,633
CHUBB $5,351 $2,759
NATIONWIDE $5,752 $3,658
AUTO-OWNERS $5,912 $3,408
COAST $5,939 $3,517
MIDVALE $6,057 $4,050
AMERICAN NATIONAL $6,118 $3,540
STATE FARM $6,378 $3,700
ESURANCE $6,960 $3,854
AMERICAN STANDARD $7,015 $4,433
MERCURY $7,250 $4,000
METROPOLITAN $7,828 $4,302
TREXIS ONE $8,014 $2,994
LM $8,068 $4,188
ALFA $8,166 $4,969
LOYA $8,264 $4,292
METROPOLITAN $8,278 $4,840
MILBANK $9,170 $5,503
GEORGIA FARM BUREAU $9,176 $4,765
SAFEWAY $9,394 $6,332
SOUTHERN $9,416 $5,074
ALLIED $9,450 $4,854
OLD AMERICAN $9,660 $6,440
TEACHERS $9,875 $4,318
TRAVELERS $9,924 $5,341
CENTRAL $10,158 $5,718
HORACE MANN $10,319 $4,476
TRUSTGARD $10,361 $6,907
INSUREMAX $10,664 $6,141
UNIQUE $10,789 $4,624
MGA $11,169 $6,311
PEAK $11,198 $6,380
INFINITY $11,333 $4,777
OMNI $11,592 $6,181
SAFECO $12,817 $7,458
INFINITY SELECT $13,568 $5,580
ACCC $13,708 $9,633
AMICA $14,183 $5,787
UNITED $14,453 $7,131
MAIN STREET AMERICA $15,582 $7,389
AMICA $18,142 $6,529
DIRECT $20,581 $10,629
MEMBERSELECT $20,599 $13,028

19 year-old Female

In this example we gathered rates for a single 19 year old female with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $3,399 $1,969
AUTO-OWNERS $3,476 $1,978
SAFE AUTO $3,508 $2,044
PACIFIC $3,654 $1,640
AIG $3,813 $1,144
CHUBB $3,921 $1,985
FIRST ACCEPTANCE $4,224 $2,200
GEICO $4,361 $2,413
GOVERNMENT EMPLOYEES $4,361 $2,413
MIDVALE $4,476 $2,842
COAST $4,526 $2,687
TEACHERS $4,612 $1,979
ALFA $4,665 $2,637
STATE FARM $4,665 $2,666
TREXIS ONE $4,690 $1,816
AMERICAN $4,786 $2,804
HORACE MANN $4,804 $2,051
METROPOLITAN $4,826 $2,604
NATIONWIDE $4,902 $3,131
AMERICAN STANDARD $4,998 $3,087
ESURANCE $5,090 $2,806
MERCURY $5,183 $3,044
NATIONAL $5,604 $3,297
MGA $5,741 $3,293
MILBANK $6,170 $3,719
ALLIED $6,472 $3,302
SAFEWAY $6,506 $4,358
OLD AMERICAN $6,654 $4,430
TRUSTGARD $6,669 $4,471
SOUTHERN $6,914 $3,706
LM $7,066 $3,752
GEORGIA FARM BUREAU $7,124 $3,578
METROPOLITAN $7,134 $4,010
LOYA $7,152 $4,080
TRAVELERS $7,451 $3,790
CENTRAL $7,691 $4,314
SAFECO $7,972 $4,462
PEAK $8,724 $4,702
UNIQUE $9,203 $4,602
INFINITY $9,261 $4,105
INSUREMAX $9,269 $5,669
OMNI $9,295 $5,413
ACCC $11,543 $8,183
UNITED $11,053 $6,069
MAIN STREET AMERICA $11,331 $5,273
AMICA MUTUAL $11,568 $4,682
MEMBERSELECT $11,928 $6,768
DIRECT $12,648 $6,777

19 year-old Male

In this example we gathered rates for a single 19 year old male with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $3,765 $2,142
SAFE AUTO $3,990 $2,358
GEICO $4,044 $2,205
GOVERNMENT EMPLOYEES $4,044 $2,205
AIG $4,355 $1,291
CHUBB $4,475 $2,300
MIDVALE $4,533 $3,020
OWNERS $4,543 $2,552
FIRST ACCEPTANCE $4,569 $2,388
AUTO-OWNERS $4,962 $2,801
COAST $5,102 $3,091
NATIONWIDE $5,160 $3,294
AMERICAN $5,286 $3,010
AMERICAN STANDARD $5,295 $3,275
NATIONAL $5,604 $3,297
STATE FARM $5,794 $3,330
MERCURY $6,333 $3,470
TRUSTGARD $6,613 $4,375
TREXIS ONE $6,638 $2,444
ESURANCE $6,786 $3,780
MILBANK $7,251 $4,375
LOYA $7,300 $3,740
ALFA $7,362 $4,436
METROPOLITAN $7,440 $4,088
LM $7,548 $4,168
TEACHERS $8,256 $3,598
ALLIED $8,475 $4,394
GEORGIA FARM BUREAU $8,504 $4,438
SAFECO $8,560 $4,917
HORACE MANN $8,622 $3,730
SAFEWAY $8,772 $5,756
OLD AMERICAN $9,074 $5,854
TRAVELERS $9,075 $5,008
ALFA $9,376 $5,651
SOUTHERN $9,416 $5,074
CENTRAL $9,422 $5,299
INSUREMAX $9,490 $5,487
UNIQUE $9,873 $4,204
MGA $10,112 $5,691
INFINITY $10,526 $4,419
PEAK $10,594 $6,038
OMNI $11,273 $5,969
MAIN STREET AMERICA $12,570 $5,948
AMICA $12,722 $5,132
ACCC $12,939 $9,174
UNITED $13,051 $6,183
MEMBERSELECT $14,260 $8,517
DIRECT $14,833 $7,592

Auto Insurance Agencies in Atlanta, GA

If you prefer the face-to-face service of a local insurance agency, here is a directory of just some of the agencies located in the Atlanta metropolitan area. Be sure to first use our QuoteScout™ rates finder to get an idea of what the cheapest rates are currently. It’s a good way to keep local agents from tricking you into paying more than you should, and it’s free to use.

Shiron Kilgore – State Farm Insurance Agent

42 Forsyth St NW, Atlanta, GA 30303, United States
+1 404-527-4883
www.shironkilgore.net

Farmers Insurance – Todd Tettleton

619 Edgewood Ave SE t102, Atlanta, GA 30312, United States
+1 404-327-6377
no website

Quentin Franklin – State Farm Insurance Agent

587 Virginia Ave NE #3a, Atlanta, GA 30306, United States
+1 404-575-4147
www.qfranklin.com

Peachstate Insurance

1917 Pryor Rd SW #2c, Atlanta, GA 30315, United States
+1 404-624-1190
www.peachstateinsurance.net

Dixon Agency, LLC

235 Peachtree St Suite 400, Atlanta, GA 30303, United States
+1 404-432-8737
www.rossdixonagency.com

GEBCorp

191 Peachtree Tower, 191 Peachtree St, Atlanta, GA 30303, United States
+1 800-736-7166
www.gebcorp.com

Five Star Insurance Agency

191 Peachtree St #3300, Atlanta, GA 30303, United States
+1 404-589-1818
www.fivestarinsuranceagency.com

Velox Insurance

4561 Old Dixie Rd, Forest Park, GA 30297, United States
+1 678-791-1764
www.veloxinsurance.com

Randy Weaver: Allstate Insurance

50 Hurt Plaza SE #1430, Atlanta, GA 30303, United States
+1 770-692-0372
no website

SunTrust

523 Luckie St NW, Atlanta, GA 30313, United States
+1 404-479-4421
www.suntrust.com

Hutchinson Traylor Insurance

1920 Monroe Dr NE #100, Atlanta, GA 30324, United States
+1 404-249-9633
www.hutchinsontraylor.com

ATI Insurance Agency

2470 M.L.K. Jr Dr SW, Atlanta, GA 30311, United States
+1 404-691-6642
www.atiinsurance.com

Atlanta Georgia Auto Body Repair

The most common damage to a car from an accident is body damage. Below you will find repair shops that can help you get your car looking good again. As always, shop around if you want to find cheap body repair.

Bavarian Body Works

1491 Howell Mill Rd, Atlanta, GA 30318, United States
+1 404-476-3900
www.bavarianbodyworks.com

West-Starr Body Shop

2770 Campbellton Rd SW # E, Atlanta, GA 30311, United States
+1 404-346-3128
www.weststarrbodyshop.com

Convenient Collision Solutions

225 Peachtree St, Atlanta, GA 30303, United States
+1 404-633-3368
www.collisionrepairatlanta.com

Atlanta Custom Collision

1677 Lakewood Ave SE #5250, Atlanta, GA 30315, United States
+1 404-627-2502
no website

ABS Collision Repair

385 University Ave SW, Atlanta, GA 30310, United States
+1 470-428-2914
www.autobodysnatchers.com

Genius Auto Group

978 Northside Dr NW, Atlanta, GA 30318, United States
+1 404-275-1882
www.geniusautogroup.net

D & I auto Body Shop

1779 Marietta Blvd NW, Atlanta, GA 30318, United States
+1 404-885-9575
www.dandiautobodyshop.com

Woods Collision Center

3120 Campbellton Rd SW # B, Atlanta, GA 30311, United States
+1 404-494-9462
no website

Anthem Automotive

2163 Piedmont Rd NE, Atlanta, GA 30324, United States
+1 404-793-7503
www.anthemauto.com

Atlanta, Georgia Auto Mechanic Shops

Here are some resources for repairing any mechanical issues that might arise from an accident.

Professional Automotive Repair

2185 Monroe Dr NE, Atlanta, GA 30324, United States
+1 404-875-3900
www.atlprorepair.com

Mobile Mechanic Atlanta GA

no address
+1 404-948-5474
www.mobileautorepairpros.com

Braxton Automotive Asian Car Care

1172 Northside Dr NW, Atlanta, GA 30318, United States
+1 404-685-0775
www.braxtonautogroup.com

Roger Jordan Garage, Inc.

1152 DeKalb Ave NE, Atlanta, GA 30307, United States
+1 404-688-3491
www.rogerjordangarage.net

My Favorite Automotive

1618 DeKalb Ave NE, Atlanta, GA 30307, United States
+1 404-371-9912
www.myfavoritemechanic.com

Motor City South

1326 Glenwood Ave SE, Atlanta, GA 30316, United States
+1 404-525-8116
www.motorcitysouth.com

European & Domestic Auto Care

1903 Piedmont Cir NE, Atlanta, GA 30324, United States
+1 404-228-3512
www.europeananddomesticautocare.com

Rocco’s European Garage

2416 Cheshire Bridge Rd NE, Atlanta, GA 30324, United States
+1 404-728-9090
www.roccoseuropeangarage.com

Gordy Tire / D & H Automotive

1590 Howell Mill Rd NW, Atlanta, GA 30318, United States
+1 404-352-9232
www.gordytireatlanta.com

Atlanta, GA Department of Motor Vehicles

If you are ever unsure about the registration status of your car or need to update your drivers license, Atlanta’s DMV is where you’ll want to turn to.

Georgia Department of Driver Services

400 Whitehall St SW, Atlanta, GA 30303, United States
+1 678-413-8400
www.dds.georgia.gov

2020 Study Methodology

The following is the baseline methodology used in our 2020 Georgia study. Prices reflect one year of coverage.

Car Make/Model: 2012 Toyota Camry, 4-door sedan, 6 cylinder

  • Liability: $25,000/ $50,000 per accident
  • Bodily Injury Liability: $25,000 per accident, Property Damage Liability

Full Coverage Additions

  • Car Damage: $1000 collision deductible, $500 comprehensive deductible
  • Uninsured Motorist: $25,000 per person/$50,000 per accident
  • Medical: $2,000 per accident. Bodily Injury/$25,000 per accident