Atlanta Car Insurance

Your Guide to Affordable Car Insurance in Atlanta, GA

Find the right affordable car insurance policy for you.

Accidents in Atlanta are just as likely to happen on the highways like SR-400 as they are on Moreland Avenue. Getting into an accident can be very expensive, so it is important to protect yourself with a suitable Atlanta, GA car insurance policy.

When you are ready to find auto insurance policies, a Trusted Choice® independent insurance agent can help. Unlike captive agents who only sell insurance from one specific insurer, independent agents work with several different insurance companies to find you a policy that can meet your coverage and budgetary needs. Find an agent in your neighborhood today to learn more and to receive a variety of Atlanta auto insurance quotes.

  • National average cost per year: $1,311
  • Georgia average cost per year: $1,5191
  • 4th most expensive premiums in the US

Georgia average insurance premiums are considerably higher than the national average. The actual cost of your Atlanta car insurance policy will depend on a few factors unique to you. These may include your driving record, the value of your vehicle, the amount of your deductible, how much insurance you purchase and where and how you drive your vehicle. Sometimes policy discounts are available for safe drivers and those who carry multiple policies with the same carrier.

Atlanta, Georgia Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/25
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage.

At a minimum, your policy will have to meet the state’s requirements for liability coverage. Drivers caught without this required insurance may be fined, have their licenses suspended or face jail time.

Every state has minimum liability coverage requirements designed to protect drivers from the financial devastation that can be brought on by a serious accident. When severe injuries or fatalities are involved, you may find yourself responsible for excessive costs. You can protect yourself from this risk by purchasing additional liability coverage or an umbrella insurance policy. A Trusted Choice agent can provide you with more information.

Atlanta, Georgia Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Georgia uninsured motorists: 11.7%
  • Georgia average vehicle repair cost: $2,199

The percentage of Georgia vehicle owners without the required coverage is close to the national average. Uninsured motorist insurance isn't a state requirement, but it can provide extra security. Knowing damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you can give you peace of mind on the road.

Car Thefts in Atlanta, Georgia:

  • National average vehicle theft rate (per 1,000 registered vehicles): 2.94
  • Georgia vehicle theft rate (per 1,000 registered vehicles): 3.83

The rate of car theft in Georgia is high, and in Atlanta it is even higher. Recent numbers show there were 4,283 reports of auto theft in this city. That equates to 9.39 thefts per every 1,000 registered vehicles, more than three times the national rate.

Residents in this city are strongly advised to keep their vehicles locked at all times and to have anti-theft devices such as car alarms and GPS tracking systems installed. If your vehicle is stolen, an Atlanta car insurance policy that includes comprehensive coverage can provide you with the funds necessary to get a replacement vehicle.

Find and Compare Atlanta Auto Insurance Quotes

Driving can be risky. Reduce your personal risks with common sense safety measures and an Atlanta car insurance policy. Comparison shopping for an affordable policy does not have to be time-consuming if you allow a Trusted Choice agent to collect a variety of competitively-priced policies and rates for you.

There are more than 22,000 agencies in over 27,000 locations nationwide, so it is easy to find an agent close to home. All of these agents have pledged to provide ethical advice and exceptional customer service. Contact a local agent today to compare Atlanta auto insurance quotes and get a policy tailored just for you.

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