Call Us Toll Free:
1-855-430-7753
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.
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.
30310- ATLANTA: $1,83230035- DECATUR: $1,82230314- ATLANTA: $1,81530088- REDAN: $1,81431632- HAHIRA: $1,05731606- VALDOSTA: $1,06331699- MOODY AFB: $1,06431605- VALDOSTA: $1,065Here's how Atlanta’s highest average rate ($1,832) compares to others, for a full coverage policy:
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.
| ZIP code | Average annual rate | Highest rate | Lowest rate |
|---|---|---|---|
| 30310 | $1,832 | $2,300 | $977 |
| 30314 | $1,815 | $2,308 | $929 |
| 30315 | $1,800 | $2,300 | $977 |
| 30303 | $1,777 | $2,314 | $879 |
| 30334 | $1,774 | $2,302 | $879 |
| 30311 | $1,757 | $2,202 | $931 |
| 30316 | $1,748 | $2,245 | $977 |
| 30317 | $1,745 | $2,346 | $1,026 |
| 30354 | $1,742 | $2,281 | $977 |
| 30313 | $1,726 | $2,280 | $879 |
*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 | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
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.
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.
Below you'll see average annual rates for Atlanta, ranked cheapest to most expensive, for three coverage levels:
| Company | State minimum |
|---|---|
| Geico | $318 |
| Nationwide | $518 |
| State Farm | $688 |
| Progressive | $784 |
| Allstate | $1,154 |
| Company | 100/50/100 |
| Geico | $347 |
| Nationwide | $683 |
| Progressive | $708 |
| State Farm | $777 |
| Allstate | $1,250 |
| Company | 100/300/100 |
| Geico | $854 |
| Nationwide | $1,591 |
| State Farm | $1,630 |
| Progressive | $1,889 |
| Allstate | $2,182 |
CarInsurance.com’s rate analysis shows that drivers in Atlanta can expect to pay, on average, from about $324 to about $507 more a year for car insurance after minor violations such as tailgating. More serious infractions, such as DUI or reckless driving can hike rates as much as $1,122 . Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.
| Violation | Average rate | Rate after violation | Dollar Increase | Percent increase |
|---|---|---|---|---|
| DUI/DWI first offense | $1,957 | $3,535 | $1,578 | 81 |
| Operating a vehicle in a race (highway racing) | $1,957 | $3,440 | $1,483 | 76 |
| Reckless driving | $1,957 | $3,440 | $1,483 | 76 |
| Speeding 30+ over limit | $1,957 | $3,193 | $1,237 | 63 |
| 2 speeding tickets 11 mph or over | $1,957 | $2,759 | $802 | 41 |
| Speeding ticket 16-29 MPH over limit | $1,957 | $2,464 | $507 | 26 |
| Lapse of coverage for 30 days | $1,957 | $2,350 | $393 | 20 |
| Careless driving | $1,957 | $2,331 | $374 | 19 |
| Failure to stop or yield | $1,957 | $2,331 | $374 | 19 |
| Following too closely | $1,957 | $2,331 | $374 | 19 |
| Improper turn | $1,957 | $2,331 | $374 | 19 |
| Improper/illegal pass | $1,957 | $2,331 | $374 | 19 |
| Speeding ticket 6-15 MPH over limit | $1,957 | $2,281 | $324 | 17 |
*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.
When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in Atlanta can expect to pay for common car insurance claims.
| Accident | Average rate | Rate after claim | Dollar Increase | Percent increase |
|---|---|---|---|---|
| 2 At-fault property damage accident over $2k | $1,957 | $5,405 | $3,449 | 176 |
| Hit and run injury or property damage | $1,957 | $3,683 | $1,726 | 88 |
| 1 At-fault property damage accident | $1,957 | $2,748 | $791 | 40 |
| At-fault bodily injury accident | $1,957 | $2,748 | $791 | 40 |
Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In Atlanta, adding a 16-year-old daughter to your policy will hike your rates by $2,641 annually, or 140 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $3,290, or 174 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."
Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Georgia ranks thirty-first among the worst states for drivers with bad credit. Atlanta drivers with bad credit can expect rates to go up by $1,771, or 84 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit. That's why it's always prudent to compare car insurance quotes at least once a year.
If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in Atlanta, your rate will go up by an average of $1,218, or 64 percent.
