Georgia’s state capital, Atlanta, is the ninth-largest metropolitan region in the U.S. The Chattahoochee River Valley, numerous railroad tracks around the city, and Atlanta’s rolling hills all contribute to the metro area’s small number of major freeways. In order to get where they’re going, everyone must use the same roadways, which can become congested with traffic during rush hour.
Being on the road comes with the risk of accidents and mishaps, and that’s when insurance comes in handy. When it comes to car insurance, every state has different requirements. The state of Georgia legally mandates auto liability insurance to all Atlanta drivers.
More specifically, the following liability coverages are the minimum required in Atlanta:
$25,000 bodily injury liability limit per person
$50,000 bodily injury liability limit per accident
$25,000 property damage liability
Average Car Insurance Cost in Atlanta
The cost of car insurance can vary greatly depending on your driving record, the type and condition of vehicle that you drive, as well as many other factors.
For example, an individual with a clean history paying a monthly premium might only have to pay $200. Whereas, someone else could be charged higher rates because they have a record of multiple accidents or own expensive luxury cars which increase risk by nature.
On average, car insurance in Atlanta, GA costs $91 monthly ($1,095 per year) for minimum coverage, and around $206 per month ($2,476 annually) for a full-coverage policy.
Age group Average Monthly Rate
- 16-19 $407.58
- 20s $246.37
- 30s $180.59
- 40s $158.71
- 50s $141.06
- 60s $134.22
Average Cost Based on Driving Record
Driving incident Average annual full coverage premium in Georgia
- Speeding ticket $2,437
- Accident $2,801
- DUI $3,793
Frequently Asked Questions
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How much is car insurance a month in Atlanta?
Minimum coverage for a car insurance policy in Georgia often costs $91 per month ($1,095 annually), whereas a full coverage policy typically costs $206 per month ($2,476 annually).
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Does credit score affect car insurance?
Your car insurance cost is significantly influenced by your credit score. A higher credit score lowers your vehicle insurance rate, often significantly with practically every company and in the majority of states. However, requesting a quote has no impact on your credit.
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Can you pay car insurance for a year?
Although the majority of auto insurance contracts are for a six-month period, some businesses provide 12-month contracts. A 12-month policy, guarantees your auto insurance rates and prevents your insurer from increasing your premium for the entire year.
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Why is car insurance so high for first time drivers?
New drivers are more expensive to insure because they are less experienced drivers. Younger drivers have a higher accident risk, which drives up the cost of auto insurance. Depending on the insurer, new drivers may spend as much as $3,000 or more year for auto insurance.
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Is it illegal to drive without insurance in Georgia?
If you own a car with a Georgia registration, you need to have a specific amount of car insurance i.e. bodily injury liability and property damage liability. In Georgia, it’s against the law to drive without auto insurance, and you’ll pay a penalty if you’re caught.
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