Car Insurance Cost in Atlanta, GA – 2024 Rates + Cheapest to Insure

• Average car insurance cost in Atlanta is $2,188 per year, or approximately $182 per month.
• Monthly auto insurance rates for a few popular vehicles in Atlanta include the Chevrolet Equinox at $168, Ram Truck at $211, and Subaru Forester at $163.
• For cheap auto insurance in Atlanta, compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Kia Soul, and Toyota Corolla Cross have better car insurance rates.

How much does car insurance cost in Atlanta?

In Atlanta, the average cost to insure a vehicle is $2,188 per year, which is 15% more than the U.S. overall average rate of $1,883. Per month, Atlanta drivers can expect to pay an average of $182 for a full-coverage car insurance policy.

The average cost of car insurance in Georgia is $1,948 per year, so Atlanta drivers pay an average of $240 more per year than the overall Georgia state-wide average rate. When rates are compared to other locations in Georgia, the average cost to insure a vehicle in Atlanta is around $210 per year more than in Savannah, $392 per year more expensive than in Athens, and $410 per year more than in Augusta.

The age of the rated driver is the single-largest factor that determines the cost of car insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates in Atlanta for driver ages from 16 to 60.

Average cost of car insurance in Atlanta by driver age

• 16 year old – $7,789 per year or $649 per month
• 17 year old – $7,546 per year or $629 per month
• 18 year old – $6,762 per year or $564 per month
• 19 year old – $6,158 per year or $513 per month
• 20 year old – $4,400 per year or $367 per month
• 30 year old – $2,336 per year or $195 per month
• 40 year old – $2,188 per year or $182 per month
• 50 year old – $1,938 per year or $162 per month
• 60 year old – $1,816 per year or $151 per month

The next chart shows average Atlanta auto insurance cost for all 2024 models. Rates are averaged for all Atlanta Zip Codes and shown not only by the age of the driver, but also by three different physical damage coverage deductibles.

The average cost of auto insurance per month in Atlanta is $182, with policy premium ranging from $128 to $427 for the data in the prior chart.

Atlanta auto insurance rates are different for every driver and subtle changes in driver risk profiles can have substantial effects on car insurance cost. This variability increases the need to get accurate car insurance quotes when searching online for more affordable auto insurance.

Popular vehicles in Atlanta and the cost to insure them

The auto insurance costs referenced previously are the average cost across all 2024 model year vehicles, which is suitable when making broad comparisons like the cost difference between two locations. Average car insurance rates are fantastic when trying to find the answer to questions like “is Atlanta auto insurance cheaper than Columbus?” or “is auto insurance cheaper in Georgia or Florida?”.

For deeper cost comparisons, however, it makes better sense to look at the exact vehicle being insured. Each individual vehicle model has a different profile for physical damage and liability claims, and this data allows us to make cost projections and comparisons.

The chart below details average insurance cost in Atlanta for some of the more popular vehicles.

Popular vehicles in Atlanta tend to be small or midsize cars like the Nissan Sentra and Toyota Camry and compact or midsize SUVs like the Honda CR-V, Chevy Equinox, and Jeep Grand Cherokee.

Some additional popular vehicles from different automotive segments include luxury cars like the Lexus ES 350 and Acura ILX, luxury SUVs like the Cadillac XT5 and Acura MDX, and models from the pickup truck segment like the Ford F-150 and Ram 1500.

We cover different rates in much more detail in a little bit, but before we get into those numbers, let’s look at the primary concepts that were presented in the data up to this point.

• Monthly car insurance cost ranges from $151 to $649 – That’s the average auto insurance cost range for insured drivers age 16 to 60 in Atlanta.
• Auto insurance is generally cheaper as you get older – Average rates for a 50-year-old driver in Atlanta are $2,462 per year cheaper than for a 20-year-old driver.
• Teenage females pay less than teen males – Teenage female drivers age 16 to 19 pay $950 to $510 less per year than male drivers of the same age.
• Atlanta car insurance cost is more than the U.S. average – $2,188 (Atlanta average) compared to $1,883 (U.S. average)
• Car insurance rates decline considerably in your twenties – The average 30-year-old Atlanta driver will pay $2,064 less annually than a 20-year-old driver, $2,336 compared to $4,400.
• Insuring a teenager can be expensive – Average cost can range from $5,208 to $7,789 per year for teenage driver insurance in Atlanta.

In Atlanta, which vehicles are cheapest to insure?

The models with the lowest cost average auto insurance rates in Atlanta, GA, tend to be crossovers and compact SUVs like the Kia Soul, Subaru Crosstrek, Hyundai Venue, and Buick Envision.

Average auto insurance prices for those vehicles cost $1,778 or less per year, or $148 per month, for a full coverage policy.

Additional vehicles that rank very well in our auto insurance price comparison are the Volkswagen Tiguan, Subaru Outback, Nissan Murano, and Volkswagen Taos.

Average auto insurance rates are slightly more for those models than the compact SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,876 or less per year, or around $156 per month in Atlanta.

The next table breaks down the 50 car, truck, and SUV models with the cheapest auto insurance in Atlanta, sorted by annual and monthly insurance cost.

A table showing 50 vehicle models with cheap Atlanta car insurance is fine if you just want the absolute lowest rates. Due to the fact that we track over 700 vehicles, a ton of models get left out.

Let’s try a different approach and reorganize the vehicles with the best rates an alternative way. The following six sections list the top 20 models with the cheapest auto insurance rates for the six most popular vehicle segments.

Cheapest cars to insure in Atlanta

The cheapest non-luxury sedans to insure in Atlanta are the Toyota GR Corolla at $1,902 per year, the Nissan Leaf at $1,916 per year, and the Honda Civic at $1,936 per year.

Some other cars that rank well include the Chevrolet Malibu, Kia K5, Toyota Prius, and Honda Accord, with average rates of $2,120 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Volkswagen Jetta, Nissan Versa, Volkswagen Arteon, Kia Forte, and Toyota Crown average between $2,120 and $2,262 per year for insurance.

Full-coverage insurance in this segment for a safe driver will start around $159 per month, depending on the company and your location.

If rates are ranked by vehicle size, the cheapest non-luxury compact car to insure in Atlanta is the Toyota GR Corolla at $1,902 per year, or $159 per month. For midsize cars, the Hyundai Ioniq 6 is the cheapest model to insure at $2,010 per year, or $168 per month. And for large cars, the Chrysler 300 has the most affordable rates at $2,078 per year, or $173 per month.

The next table ranks the cars with the most affordable insurance rates in Atlanta.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Georgia.

Cheapest SUVs to insure in Atlanta

The top five models for the most affordable Atlanta auto insurance rates in the SUV segment (excluding luxury models) are the Honda Passport, Chevrolet Trailblazer, Nissan Kicks, Kia Soul, and Subaru Crosstrek. Auto insurance quotes for these models average $1,744 or less per year, or around $145 per month.

Other SUVs that rank well in our comparison are the Ford Bronco Sport, Mazda CX-5, Toyota Corolla Cross, and Buick Envision, with average cost of $1,792 per year or less.

Some additional 2024 models that rank well include the Nissan Murano, Buick Encore, Honda HR-V, and Honda CR-V, which average between $1,792 and $1,904 per year for full-coverage insurance.

From a cost per month standpoint, car insurance rates in this segment for a safe driver starts at around $135 per month, depending on where you live.

If rates are ranked by vehicle size, the lowest-cost compact SUV to insure in Atlanta is the Subaru Crosstrek at $1,616 per year. For midsize models, the Honda Passport has the best rates at $1,744 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $2,054 per year.

The comparison table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Atlanta, starting with the Subaru Crosstrek at $1,616 per year and ending with the Honda HR-V at $1,904 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see rates for your SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Atlanta car insurance quotes from top-rated car insurance companies in Georgia.

Cheapest luxury cars to insure in Atlanta

The four most affordable luxury car models to insure in Atlanta are the Acura Integra at $1,944 per year, BMW 330i at $2,228 per year, Mercedes-Benz CLA250 at $2,250 per year, and Lexus IS 300 at $2,254 per year.

Additional luxury cars that have cheaper rates are the Mercedes-Benz AMG CLA35, Genesis G70, Cadillac CT4, and Lexus RC 300, with average insurance cost of $2,300 per year or less.

Additional models that make the list include the Jaguar XF, Audi S3, Cadillac CT5, and BMW 230i, which average between $2,300 and $2,454 per year for insurance.

Full-coverage car insurance in this segment for a good driver can cost as low as $162 per month, depending on the company. The comparison table below ranks the twenty luxury cars with the lowest-cost car insurance in Atlanta, starting with the Acura Integra at $1,944 per year and ending with the Audi S3 at $2,454 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see insurance cost for your luxury car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Georgia.

Cheapest luxury SUVs to insure in Atlanta

The most affordable luxury SUV models to insure in Atlanta are the Acura RDX at $1,830 per year, the Lexus NX 250 at $1,936 per year, and the Cadillac XT4 at $1,974 per year.

Additional models that have cheaper rates include the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus UX 250h, and Lexus NX 450h, with an average cost of $2,108 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Infiniti QX50, Infiniti QX60, Lexus NX 350, Lexus RX 350, Land Rover Evoque, and Acura MDX cost between $2,108 and $2,194 to insure per year.

Car insurance rates for this segment in Atlanta for a good driver can cost as low as $153 per month, depending on where you live.

The table below ranks the SUVs with the most affordable insurance rates in Atlanta, starting with the Acura RDX at $1,830 per year ($153 per month) and ending with the Lexus NX 350 at $2,194 per year ($183 per month).

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Is your luxury SUV not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Atlanta car insurance quotes from the best companies in Georgia.

Cheapest sports car insurance rates in Atlanta

Out of all 2024 models, the top five cheapest sports cars to insure in Atlanta are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Auto insurance rates for these five cars range from $2,026 to $2,452 per year.

Other models that have affordable average insurance rates are the Toyota GR Supra, Subaru BRZ, Lexus RC F, and Nissan Z, with average rates of $2,614 per year or less.

Full-coverage car insurance for this segment in Atlanta starts at around $169 per month, depending on your location.

The next table ranks the sports cars with the most affordable average auto insurance rates in Atlanta, starting with the Mazda MX-5 Miata at $169 per month and ending with the Porsche Taycan at $309 per month.

Don’t see insurance rates for your vehicle? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Georgia.

Cheapest pickup insurance rates in Atlanta

Ranking at the top of the list for the lowest-cost Atlanta car insurance rates in the pickup segment are the Chevrolet Colorado, Nissan Frontier, Ford Maverick, Nissan Titan, and Ford Ranger. Car insurance rates for these models average $2,120 or less per year.

Also ranking well are trucks like the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and Toyota Tacoma, with an average cost to insure of $2,252 per year or less.

From a cost per month standpoint, full-coverage auto insurance in this segment for a safe driver will start around $156 per month, depending on the company and your location.

The rate comparison table below ranks the twenty pickups with the cheapest average auto insurance rates in Atlanta.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Georgia.

The highs and lows of auto insurance

In an effort to help illustrate the amount that the cost of identical auto insurance can deviate from one driver to the next (and also emphasize the importance of getting plenty of rate quotes), the examples below have comprehensive rates for three popular vehicles in Atlanta: the Honda Civic, Honda CR-V, and Toyota Highlander.

Each illustration displays average rates for different profiles to illustrate the cost difference based on changes in the risk profile of the driver.

Honda Civic insurance rates

Average Honda Civic insurance cost in Atlanta costs from $1,732 up to $2,296 per year. The most affordable insurance will be on the $23,950 Civic LX trim, while the model with the highest average rate is the $43,795 Civic Type R.

When Atlanta car insurance quotes on the Honda Civic are compared to the overall national average cost for the same model, rates are $230 to $304 more per year in Atlanta, depending on which model is insured.

From a monthly standpoint, full-coverage auto insurance on a Honda Civic for the average driver can cost from $144 to $191 per month, but your exact cost can vary based on where you live in Atlanta.

The chart displayed below shows how the cost of car insurance for a Honda Civic can vary based on driver age, deductibles, and risk profiles. In this example, cost ranges from $1,610 to $4,398 per year, which is a difference of $2,788 just based on different risk profiles.

The Honda Civic belongs to the compact car segment, and other similar models include the Toyota Corolla, Volkswagen Jetta, Chevrolet Cruze, and Hyundai Elantra.

Honda CR-V insurance rates

With a purchase price ranging from $29,500 to $39,850, average Atlanta car insurance quotes on a 2024 Honda CR-V cost from $1,770 per year on the CR-V LX model up to $1,968 per year on the CR-V Sport Touring Hybrid AWD trim level.

When Atlanta car insurance quotes for a Honda CR-V are compared to the average cost for the entire U.S. on the same model, rates are anywhere from $236 to $262 more expensive per year in Atlanta, depending on trim level.

The chart displayed below shows how car insurance rates for a Honda CR-V can range considerably based on changes in the age of the driver and policy risk profiles.

For this example, rates vary from $1,550 to $4,284 per year, which is a price difference of $2,734 per year for insurance on the same vehicle.

The Honda CR-V is considered a compact SUV, and other popular models in the same segment include the Toyota RAV4, Chevrolet Equinox, Ford Escape, and Mazda CX-5.

Toyota Highlander insurance rates

The most affordable 2024 Toyota Highlander trim to insure in Atlanta is the LE 2WD model, costing an average of $1,828 per year, or around $152 per month. This trim has a sticker price of $37,625.

The most expensive 2022 Toyota Highlander model to insure in Atlanta is the Hybrid XLE AWD, costing an average of $2,162 per year, or around $180 per month. The sticker price for this trim is $43,825, before charges and fees.

The rate chart below demonstrates how insurance rates on a Toyota Highlander can vary for different driver ages, policy deductibles, and risk profiles. The rates in the chart range from $1,656 to $4,550 per year, which is a difference of $2,894 per year to insure the same vehicle.

The Toyota Highlander belongs to the midsize SUV segment, and additional similar models include the Kia Sorento, Kia Telluride, and Ford Edge.

Helpful tips to save on car insurance

Financially savvy drivers in Atlanta should always be searching for ways to reduce the monthly expense for auto insurance, so take a minute to read through the tips and ideas in the list below to see if you can save some money insuring your vehicle.

• Break the law and you’ll pay more. If you want to get cheap car insurance in Atlanta, it’s necessary to avoid traffic tickets. Just a couple of minor infractions on your driving record have the potential to increase insurance cost by as much as $580 per year. Major misdemeanors like reckless driving and leaving the scene of an accident, DUI, or driving on a revoked license could raise rates by an additional $2,030 or more.
• Remain claim free. Car insurance companies reduce rates a little for not having any claims. Insurance should only be used for larger claims, not for small claims.
• A good credit rating can save money. Having a good credit rating over 800 could save as much as $344 per year versus a credit rating between 670-739. Conversely, a credit rating below 579 could cost as much as $398 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Get a discount from your employment. Some auto insurance companies offer discounts for being employed in occupations like members of the military, police officers and law enforcement, scientists, accountants, firefighters, doctors, and others. If your occupation qualifies you for this discount, you could potentially save between $66 and $213 on your annual car insurance bill, depending on the age of the rated driver.
• Choose a vehicle with cheaper car insurance rates. Vehicle type is one of the primary factors in the cost of auto insurance. For example, a Subaru Forester costs $1,180 less per year to insure in Atlanta than a Porsche 911. Drive cheaper models and save money.
• Negligent drivers pay higher car insurance rates. At-fault accidents raise insurance rates, potentially as much as $3,122 per year for a 20-year-old driver and even $534 per year for a 60-year-old driver. So drive safe and save money!