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Last updated: November 13, 2025Best Cheap Car Insurance in Atlanta
Georgia Farm Bureau offers the cheapest average rates in Atlanta: $1,660 for full coverage and $707 for minimum coverage.
Best for Local Agents
Editor's Rating:
4.4/5
4.4/5Best for Military/Veterans
Editor's Rating:5/5
5/5
Average Cost in Atlanta
- Full Coverage Monthly: $190
- Minimum Coverage Monthly: $72
Cheapest
Editor's Rating:4.1/5
4.1/5Key Takeaways
- Average insurance rates in Atlanta are 9 to 19 percent higher than statewide averages in Georgia. Full coverage car insurance in Atlanta costs an average of $2,937, compared to $2,684 statewide. Minimum coverage averages $1,268 in Atlanta, compared to $1,064 statewide.
- Georgia Farm Bureau, USAA and Auto-Owners offer the cheapest average rates in Atlanta for both full coverage and minimum coverage car insurance.
- Your cheapest auto insurance rate will vary based on individual factors like the vehicle you drive, the coverage you choose, and your driving record. Comparing quotes can help you find the best option.
Our Top Picks for the Best Cheap Auto Insurance in Atlanta
- Cheapest: Georgia Farm Bureau
- Best for Local Agents: Auto-Owners
- Best for Military and Veterans: USAA
- Best for Rideshare: Mercury
- Best for Low Mileage: Nationwide
Compare the Best Cheap Auto Insurance in Atlanta
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Southeast Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Georgia Farm Bureau | $1,660 | $707 | Not rated |
| Auto-Owners | $2,416 | $827 | Below average |
| USAA | $2,275 | $868 | Above average |
| Mercury | $2,826 | $1,054 | Not rated |
| Nationwide | Data unavailable | Data unavailable | Above average |
| Atlanta | $2,937 | $1,268 | – |
Detailed List of the Best Cheap Providers in Atlanta
1. Georgia Farm Bureau - Cheapest
4.1
Editor's Rating:
- Cheapest rates in Atlanta
- Local agents available
- Bundling discounts
Membership required- Limited digital tools
Why we chose it
Georgia Farm Bureau offers the cheapest average rates for both full coverage and minimum coverage car insurance in Atlanta. As a small regional provider, Georgia Farm Bureau isn’t rated in popular national customer satisfaction studies. However, its network of local agents deliver a personalized approach to customer service, at rates far below the average for Atlanta. Buying Georgia Farm Bureau car insurance requires a $35 membership, open to all Georgia residents.
Who it’s best for
With a B++ (good) rating from AM Best1 and an A+ from BBB2, Georgia Farm Bureau is best for those who want a locally-based provider that provides solid customer service at affordable rates. It’s also ideal for those who want to bundle policies, as Georgia Farm Bureau offers multi-policy discounts.
Atlanta Pricing
| Georgia Farm Bureau | Monthly | Annual | Savings vs. Atlanta average |
|---|---|---|---|
| Full coverage | $138 | $1,660 | -43% |
| Minimum Coverage | $59 | $707 | -44% |
2. Auto-Owners - Best for Local Agents
4.4
Editor's Rating:
- Average Rate for Minimum Coverage
- $43 mo.
- Average Rate for Full Coverage
- $156 mo.
- Personalized service through local agents
- Above-average grade on CRASH Network Insurer Report Card
- Savings opportunities for families with young drivers
- Agent-only sales
- Slower digital adoption
Why we chose it
In addition to offering some of the cheapest rates on car insurance, Auto-Owners has a low incidence of complaints for a company of its size, according to the NAIC Complaint Index, and a good rating for claims handling from CRASH Network. Auto-Owners offers a wide range of policy options and a full complement of discounts, including a safe-driving program that monitors teen drivers using telematics.
Who it’s best for
Auto-Owners’ network of local agents is ready to help, which is great for anyone who prefers human service. On the other hand, you’ll need to contact an agent to get a quote and complete your policy purchase — a potential inconvenience to anyone who prefers shopping for insurance online.
Atlanta Pricing
| Auto-Owners | Monthly | Annual | Savings vs. Atlanta average |
|---|---|---|---|
| Full coverage | $201 | $2,416 | -18% |
| Minimum Coverage | $69 | $827 | -35% |
3. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $36 mo.
- Average Rate for Full Coverage
- $128 mo.
- High marks for customer satisfaction
- Excellent telematics discount
- Military-specific benefits
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA offers cheap rates for both full coverage and minimum liability car insurance. It also consistently ranks at or near the top of both the J.D. Powers Customer Satisfaction Survey and the J.D. Powers Claims Satisfaction Survey, even though eligibility requirements mean it isn’t included in the official rankings. USAA offers a wide range of insurance options, from homeowners and renters insurance to health, life, small business, and pet coverage.
Who it’s best for
If you’re eligible to join USAA, the savings and service are worth a look. Active-duty members of the military, veterans, and their families are eligible to join, and can take advantage of additional benefits that include highly-rated banking and investment services.
Atlanta Pricing
| USAA | Monthly | Annual | Savings vs. Atlanta average |
|---|---|---|---|
| Full coverage | $190 | $2,275 | -23% |
| Minimum Coverage | $72 | $868 | -32% |
4. Mercury - Best for Rideshare
3.7
Editor's Rating:
- Average Rate for Minimum Coverage
- $83 mo.
- Average Rate for Full Coverage
- $197 mo.
- Affordable rideshare coverage
- Smooth claims process for minor accidents
- Excellent digital tools
- Customer service varies
- Basic mobile tools
Why we chose it
Mercury offers low-cost coverage for rideshare drivers, who can get rideshare insurance for as little as 90 cents per day (or $27 per month). While its full coverage rates are close to the citywide average, it may be worth it since you’ll pay less to add rideshare insurance to your policy. Mercury also has other coverages that Uber and Lyft drivers can add for extra protection, including gap insurance, rental car reimbursement, and custom equipment coverage.
Who it’s best for
We recommend Mercury for drivers in Atlanta who want rideshare insurance at affordable rates. Those with a clean record may also want to consider Mercury, since they offer the best rates for safe drivers — and provide better claims service for minor incidents, according to Mercury policyholders.
Atlanta Pricing
| Mercury | Monthly | Annual | Savings vs. Atlanta average |
| Full coverage | $235 | $2,826 | -4% |
| Minimum Coverage | $88 | $1,054 | -17% |
5. Nationwide - Best for Low Mileage
4.8
Editor's Rating:
- Average Rate for Minimum Coverage
- $60 mo.
- Average Rate for Full Coverage
- $166 mo.
- Top-rated by J.D. Power
- Great telematics discount
- Offers pay-per-mile insurance
- Not available in select states
- Expensive for teen drivers
Why we chose it
Nationwide took a top spot in the Southeast region on J.D. Power’s Auto Insurance Study, which measures customer satisfaction regionally. It ranked only below Erie and Tennessee Farm Bureau, neither of which is available in Atlanta. (USAA received a higher score, but is ineligible to rank due to availability restrictions). Data on Atlanta average pricing aren’t available, so get a quote to see how much you’ll pay.
Who it’s best for
Nationwide is a good choice for drivers who prioritize customer service. And its pay-per-mile program, SmartMiles, is a great option for Atlanta customers who drive infrequently — for example remote workers, retirees, and households with a car driven less often.
Atlanta Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southeast3 | CRASH Network Report Card4 | J.D. Power Claims Satisfaction5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| Auto-Owners | 641 | B | 692 | 0.94 |
| USAA | 749* | D+ | 726 | 1.31 |
| Georgia Farm Bureau | Not rated | Not rated | Not rated | 0.49 |
| Mercury | Not rated | C+ | 663 | 0.95 |
| Nationwide | 691 | C | 728 | 0.69 |
| Average | 667 out of 1,000 | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Atlanta, GA
Georgia Farm Bureau has the cheapest rates for full coverage car insurance in Atlanta, 43 percent lower than the Atlanta average. Runners-up USAA and Auto-Owners also offer full coverage rates below the city average rate.
| Company | Annual Atlanta Average | Monthly Atlanta Average |
|---|---|---|
| Georgia Farm Bureau | $1,660 | $138 |
| USAA | $2,275 | $190 |
| Auto-Owners | $2,416 | $201 |
| Mercury | $2,826 | $235 |
| Progressive | $2,992 | $249 |
| Allstate | $3,152 | $263 |
| State Farm | $3,502 | $292 |
| GEICO | $3,685 | $307 |
| Atlanta average | $2,937 | $245 |
| Georgia average | $2,684 | $224 |
| U.S. average | $2,399 | $200 |
FULL COVERAGE VS. LIABILITY:
What’s the difference between full coverage and liability insurance? Liability insurance covers the cost of damages and injuries to other parties, up to stated limits, when you get into an accident. Full coverage insurance also covers the repair or replacement of your vehicle if it’s stolen or damaged in an accident or other event, like a natural disaster, as well as uninsured/underinsured motorist coverage and personal injury protection.
Cheapest Minimum Coverage Car Insurance in Atlanta, GA
On average, Georgia Farm Bureau also has the cheapest rates for minimum liability coverage in Atlanta. At $707, it’s 44 percent cheaper than the Atlanta average. Auto-Owners and USAA also weigh in with low average rates on car insurance in Atlanta.
| Company | Annual Atlanta Average | Monthly Atlanta Average |
|---|---|---|
| Georgia Farm Bureau | $707 | $59 |
| Auto-Owners | $827 | $69 |
| USAA | $868 | $72 |
| Mercury | $1,054 | $88 |
| GEICO | $1,104 | $92 |
| Progressive | $1,161 | $97 |
| State Farm | $1,407 | $117 |
| Allstate | $1,452 | $121 |
| Atlanta average | $1,268 | $106 |
| Georgia average | $1,064 | $89 |
| U.S. average | $635 | $53 |
How many car accidents happen in Atlanta?
In 2023, 34,181 crashes occurred in the city of Atlanta, including 72 fatal crashes and 13,875 injuries. There may be hope: Atlanta’s Vision Zero Action Plan, which aims to eliminate traffic fatalities by 2040, reports that fatalities decreased 24 percent between 2023 and 2024, dropping from 79 to 59.8
Congested roadways, traffic delays, and a high rate of vehicle ownership make Atlanta a challenging place to drive.9 You can protect yourself with higher liability limits, uninsured/ underinsured motorist coverage, and full coverage insurance that covers your car when it’s damaged or totaled in an accident.
Minimum Auto Insurance Requirements in Georgia
Georgia drivers are required to carry minimum liability coverage with the following limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
Although drivers are not required to carry uninsured/underinsured motorist and PIP coverage in Georgia, insurers are required to offer it. These coverages must be rejected in writing.
FAQs
The average monthly cost for full coverage car insurance in Atlanta is $245, or $106 for a policy with minimum coverage. That puts $200 right between the average costs for these two types of coverage. Remember, though, that other variables can affect the price – and value – of car insurance, including liability limits, deductibles, factors like the driver’s age and driving record, extra coverages like car rental reimbursement, and even your credit score.
One way to help ensure you get the cheapest rates is to get multiple quotes. Insurance rates can vary based on individual factors and your eligibility for good driver discounts, low mileage discounts and special rates for bundling home and auto policies. Multiple quotes can help you compare apples to apples, and find the best deal for you.
On average, Georgia Farm Bureau offers the cheapest full coverage auto insurance in Atlanta at an average cost of $1,660 per year. Auto-Owners, USAA, and Mercury also offered lower-than-average rates for full coverage insurance.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four main criteria:
- Price (40%): We reviewed average insurance rates for full and minimum coverage in Atlanta, Georgia, for clean driving profiles with good credit. Full coverage premiums use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $5,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): An ideal claims handling process from an auto insurer is timely, transparent, and streamlined, with clear communication throughout, fair damage assessments, and prompt payment or resolution. We evaluate claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report.
- Customer Experience (25%): We look at the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies and the NAIC complaint index.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state-mandated minimums, including rideshare coverage, gap insurance, and new car replacement.
Find out more about our ratings and methodology.
Citations
Georgia Farm Bureau Mutual Insurance Company. AM Best. (2025).
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=412&AltNum=367412Georgia Farm Bureau Mutual Insurance Company. Better Business Bureau. (2025).
https://www.bbb.org/us/ga/macon/profile/insurance-companies/georgia-farm-bureau-mutual-insurance-company-0743-5000698It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyGeorgia Crash Data. Georgia Department of Transportation. (2025).
https://gdot.aashtowaresafety.net/crash-data#/Vision Zero. City of Atlanta. (2025).
https://atldot.atlantaga.gov/programs/vision-zeroAnalysis: Atlanta is the worst U.S. city for driving in 2024. Urbanize. (2024, Nov 14).
https://atlanta.urbanize.city/post/analysis-atl-worst-american-city-for-driving-2024-ouch
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