Cheap Car Insurance in Atlanta, GA

Atlanta Georgia Car Insurance: What You Need to Know

Whether you’re new to the area or a longtime resident, understanding how car insurance works in Atlanta, Georgia can help you make smarter—and more affordable—decisions.

In Georgia, drivers are legally required to carry minimum liability coverage, which includes:

• $25,000 for bodily injury per person

• $50,000 for bodily injury per accident

• $25,000 for property damage

This basic policy, also known as 25/50/25, covers the other driver if you’re at fault in an accident. However, it doesn’t cover your own vehicle or medical expenses.

Because Atlanta has higher accident and theft rates than many other cities in Georgia, many drivers opt for full coverage—which includes collision, comprehensive, and uninsured motorist protection.

💡 Tip: Full coverage often costs more upfront but can save you thousands in the event of an accident, weather damage, or theft.

At Budget Insurance Agency, we help you choose the right Atlanta Georgia car insurance based on your driving habits, neighborhood, and budget—so you’re covered when it matters most.

What Affects Cheap Car Insurance Atlanta Drivers Get?

Rates in Atlanta vary based on:

• ZIP code (Midtown, Buckhead, College Park, etc.)

• Driving record

• Credit history (used in Georgia)

• Type of vehicle

• Annual mileage

Our team helps you understand your rate and find every possible way to reduce it.

What’s the Average Cost of Auto Insurance in Atlanta in 2025?

According to 2025 data, the average Atlanta driver pays around $1,970 per year for car insurance—higher than the state average due to heavy traffic and urban risk factors.

At Budget Insurance Agency, we help you beat that average by comparing policies and unlocking discounts based on your driving habits, vehicle, and more.

Discounts You Could Qualify For

• Good driver discount

• Low mileage discount

• Multi-policy (home/auto bundle)

• Defensive driving course discount

• Good student discount

• Anti-theft device discount

Tip: Most Atlanta drivers are eligible for 2–3 discounts without even realizing it.

Need SR-22 or High-Risk Coverage?

No problem. We help high-risk drivers in Atlanta get the affordable insurance they need—even if you’ve had a DUI, an accident, or a lapse in coverage.

We make it simple to file SR-22 forms and stay compliant with Georgia state laws.

Areas We Serve in Metro Atlanta

We proudly serve:

• Atlanta (Downtown, Midtown, Buckhead)

• Decatur

• East Point

• College Park

• Sandy Springs

• Marietta

• South Fulton

• And more

Customer Reviews

“Budget Insurance Agency saved me over $600 a year on my car insurance. The agent explained everything clearly and helped me find the best rate without any pressure.”
— Michelle T., Atlanta, GA

“I had trouble finding coverage after an accident, but Budget Insurance Agency helped me get back on the road fast. They made the SR-22 process way less stressful.”
— Andre R., East Point, GA

“Their customer service is amazing. I’ve recommended them to my entire family!”
— Latasha B., Sandy Springs, GA

Compare Cheap Car Insurance Atlanta Rates Today

Skip the hassle of calling around. We’ll compare quotes from top-rated insurance companies and get you the best deal—no hidden fees, no pressure.

Or call us directly at 478-788-9188 to speak with a local Atlanta agent.

Frequently Asked Questions

What is the cheapest car insurance in Atlanta, GA?

It depends on your driving record, vehicle, and ZIP code. On average, Budget Insurance clients save up to 35% by comparing quotes across multiple carriers.

Is minimum coverage enough in Atlanta?

Georgia law requires 25/50/25 liability coverage, but this may not fully protect you after a serious accident. Full coverage is often recommended, especially in high-traffic areas.

Can I get insurance with a DUI or accident on my record?

Yes. Budget Insurance specializes in helping high-risk drivers find affordable, legal coverage, including SR-22 filings.

How quickly can I get covered?

Most drivers can get a quote and same-day coverage in less than 15 minutes through our online form or by phone.

Do you offer monthly payment plans?

Yes. We work with carriers that offer flexible monthly plans to make your policy more manageable.

Get the Coverage You Need—at a Price You Can Afford

At Budget Insurance Agency, we believe car insurance should be simple, transparent, and affordable—especially in a fast-paced city like Atlanta.

Whether you’re a new driver in West End, a student at Georgia State, or a commuter in Sandy Springs, we’re here to help you get insured—and stay protected—without overpaying.

Get Your Free Auto Insurance Quote in Atlanta

Or call us to speak with an Atlanta agent who understands your needs.