Car insurance in Atlanta costs about $1,800 per year on average, according to several studies. Atlanta’s insurance rates are generally more expensive than both the national and state averages. This is due mainly to the city’s large population, busy airport and high number of commuters into the city center. Atlanta’s roads are crowded and more dangerous than most as a result. It ranks 88th for driving safety among major U.S. cities, according to a 2019 WalletHub study. And although crime has been decreasing in Atlanta overall, the city still has a problem with car thefts. In 2018, nearly 3,300 vehicles were reported stolen in the city.
Prices range widely from insurer to insurer in Atlanta, so it’s very important for residents to compare quotes. It’s good to do so before you buy your auto insurance and whenever your policy is about to renew. Although different companies are better for different types of Atlanta drivers, WalletHub’s research shows that the five auto insurers generally offer the cheapest rates in Georgia in 2019: 21st Century, American National, Twin City Fire Insurance Company, The Hartford Insurance, and Safe Auto. You may want to start your search with them.
Car insurance in Georgia is $73 per month for minimum coverage and $191 per month for full coverage, on average. The cheapest insurance companies in Georgia are Country Financial, Auto-Owners and AAA, and getting quotes from several companies can help you find the best deal.
Average Cost of Car Insurance in Georgia by Category
The average cost of car insurance in Georgia is 21% higher than the national average auto insurance premium, and Georgia ranks 41 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Georgia, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.
Finally, it’s worth noting that car insurance premiums in Georgia are high, compared to the cost of coverage in neighboring states like Florida and South Carolina. You can find more details in the table below.
Cost of Car Insurance in Georgia vs. Neighboring States
No, Georgia is not a no-fault state for auto insurance. Georgia is an “at-fault” or “tort” state, which means the person who is at fault for a car accident is responsible for paying for other people’s injuries and property damage resulting from the accident. Additionally, unlike in no-fault states, drivers in Georgia can file lawsuits to seek compensation for even basic medical expenses after an accident.… read full answer
In typical no-fault states, drivers are required to carry personal injury protection (PIP) insurance to pay for their own medical expenses after a car accident, regardless of fault. In Georgia, neither PIP nor MedPay (a common alternative) is required.
Key Things to Know About At-Fault Insurance in Georgia
When an accident occurs, the insurance company for each driver who was involved will assign an adjuster to determine who was at fault. To collect payment for their losses, victims must file a claim with the at-fault driver’s insurance company.
Depending on how long fault takes to be determined, drivers can file a claim with their own insurance company if they have coverage applicable to their own expenses, such as collision and comprehensive Their insurer can then recoup the cost from the at-fault driver’s insurer if the policyholder is determined to be not at fault.
Georgia uses a comparative negligence system, meaning drivers can only collect damages equal to the proportion of the accident that they were not responsible for. For example, if you are determined to be 60% at fault for the accident, you can only collect 40% of your total damages.
Being an “at-fault” state helps keep Georgia’s insurance costs relatively low compared to other states.
Georgia requires all drivers to carry liability insurance, which is a type of insurance that pays for others’ expenses after an at-fault car accident, such as damage to others’ vehicles and their medical expenses.
Although you’re only required to carry liability insurance in Georgia, you may want to purchase types of coverage that will pay for your own expenses after an accident. For example, MedPay can pay your medical bills even if you were at fault for an accident, and collision and comprehensive insurance will cover damage to your vehicle.
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