Best cheap car insurance companies in Atlanta

Auto-Owners, USAA and Geico offer some of the most affordable rates for car insurance in Atlanta based on data from Quadrant Information Services. Bankrate analyzed rates and other factors — like J.D. Power customer satisfaction scores, product availability and AM Best financial strength ratings — to assign each insurer a Bankrate Score on a five-point scale, with 5.0 being the best. You can use this score to help find the cheapest car insurance company in Georgia that best meets your coverage needs.

Insurance company Bankrate Score J.D. Power score (Southeast) Average annual premium for full coverage Average annual premium for minimum coverage
Auto-Owners 4.2 871/1,000 $1,354 $401
USAA 4.3 886/1,000* $1,750 $634
Geico 4.4 843/1,000 $1,795 $520
State Farm 4.2 838/1,000 $1,936 $627
Allstate 3.8 833/1,000 $3,755 $693

*Not eligible for official ranking with J.D. Power due to eligibility requirements.

Auto-Owners

Auto-Owners offers the lowest average rates for full and minimum coverage insurance in Atlanta. Plus, there are several ways to personalize your policy. In addition to standard coverage types, you can add on road trouble service in case you lock your keys in the car, get a flat tire, have a dead battery or experience a minor mechanical malfunction. Auto-Owners also offers at-fault accident forgiveness, loan or lease gap insurance, rental auto gap insurance and more. However, its digital tools could be better compared to other insurers.

Learn more: Auto-Owners insurance review

USAA

In addition to common car insurance coverage types, you can select optional coverage types like roadside assistance and rental car reimbursement with USAA. Plus, you may earn premium discounts if you participate in the carrier’s SafePilot program and practice safe driving habits. But USAA isn’t available to everyone. To purchase a policy, you must be an active service member, veteran or eligible family member.

Learn more: USAA insurance review

Geico

Geico may be a good fit for drivers who are looking for multiple ways to save. The cost of minimum coverage from Geico is among the cheapest rates on our list, and the company offers a wide array of potential discounts, including vehicle equipment discounts, good student discounts, driver affiliation discounts and customer loyalty discounts. However, Geico offers limited add-on coverage options when compared to its competitors.

Learn more: Geico insurance review

State Farm

Although State Farm has the second-highest average rate for full coverage on our list, it may appeal to drivers looking to personalize their policies. You may choose from several add-ons, such as rideshare coverage for Uber and Lyft drivers, and work with a local agent who can provide advice on building an ideal policy specific to the needs of your location.

Learn more: State Farm insurance review

Allstate

Though Allstate has higher average premiums, drivers might be able to lower their cost of car insurance with stackable discounts for paying their bills in full, driving safely, signing policy documents early and going paperless. Those who insure more than one car and have more than one policy with Allstate could also save. However, Allstate earned a below-average J.D. Power customer satisfaction score.

Learn more: Allstate insurance review

How to get and keep the cheapest car insurance in Atlanta

To get and keep the cheapest car insurance, Atlanta drivers may want to consider the following strategies to find the best car insurance in Georgia:

  • Comparison shop. Getting quotes from as many insurers as possible is one of the most effective ways to find the cheapest car insurance. When shopping, remember to compare your options based on similar coverages and policy limits to ensure a fair comparison.
  • Practice safe driving habits. Avoiding speeding, running red lights and other traffic violations can help you maintain a clean driving record and keep your rates as low as possible. Some insurers may even give you a discount for driving safely.