Best Car Insurance in Atlanta, GA

Purchasing auto insurance in Atlanta is a legal requirement, but buying more than the state requires is usually an excellent idea. Auto insurance protects you financially from the frequent auto accidents, hazardous road conditions and auto thefts that occur in Georgia.

• Crashes in Atlanta: Automobile accidents are a common occurrence in Atlanta. In Georgia’s most recent accident report data, Fulton County had 58,581 total crashes with 17,947 injuries, whereas Dekalb County had 41,729 crashes and 16,121 injuries. Given these statistics, Atlanta residents should consider investing in comprehensive car insurance policies to protect themselves from accident-related liability.
• Road conditions in Atlanta: Atlanta’s inadequate traffic infrastructure is a constant problem for drivers. Poorly designed highways and construction turn roads into car-accident magnets. Georgia also receives about 50 inches of rain annually, which makes roads even more treacherous. A good car insurance policy compensates for these increased risks and helps you avoid financial hardship if you get into an accident.
• Vehicle theft in Atlanta: Property crimes such as vehicle theft are unfortunately common in Atlanta. According to county data, more than 3,000 residents are victims of car theft every year. People living in neighborhoods where cars are routinely stolen — like Downtown and Midtown — should make sure their car insurance adequately covers them against theft.

Car insurance in Atlanta costs between $1,300 and $2,600 annually, depending on your coverage level and location. Check out the chart below to see what a 30-year-old woman might pay for a single-car policy in Atlanta.

Other factors that affect what you pay for car insurance in Atlanta include your:

• Profession
• Credit score
• Marital status
• Gender
• Driving history
• Vehicle make and model

While some of these factors might not seem important, auto insurance companies use them to create a risk profile for insuring your vehicle. High-risk drivers pay higher premiums, while low-risk drivers enjoy cheaper car insurance in Atlanta.

Yes, the Georgia Department of Insurance requires every motorist to have liability coverage for at least $25,000 per person, $50,000 per incident and $25,000 for property damage. However, 12% of Georgia drivers still don’t have car insurance. Uninsured drivers put everyone else on the road at risk because they leave drivers without comprehensive coverage financially vulnerable after an accident. Make sure your car insurance comes with uninsured motorist coverage to prevent financial hardship if you're in an accident caused by one.

Atlanta car insurance alternatives

The Georgia Automobile Insurance Plan helps high-risk drivers get insurance. Consider GAAIP if at least two car insurance companies have rejected you within the last two months because of driving history or credit profile. GAAIP pairs motorists with a car insurance company that is required to offer you coverage. Applicants need to have a Georgia-registered car and a valid driver’s license to apply.