Atlanta, Georgia is a great place to work, live and drive. Just remember that you need to buy car insurance first. The good news is that no matter if you are buying insurance for the first time or renewing your policy for the 50th, you can save money with a free auto insurance quote.
You can get that auto insurance quote now, simply using the form above. It is easy to use and all you have to do is follow the onscreen instructions. If you would like to find out a little more about how car insurance in Atlanta works then please keep reading. We cover most of the important topics below.
Car Insurance Agents In Atlanta
If you don’t want to shop for car insurance online, then you’ll have to speak with an agent. The good news is that there are tons of agents available for you to speak with in Atlanta. Here are just some, from the biggest insurance companies.
Atlanta Allstate Insurance Agents
Allstate has a wide range of insurance agents to choose from in Atlanta. At the current time they have 33 agents listed on their website.
Atlanta Farmers Insurance Agents
Farmers does not offer agent based services for the state of Georgia.
Atlanta Geico Insurance Agents
There are 3 Atalanta based Geico insurance agents.
Atlanta Progressive Insurance Agents
Atalanta has 8 insurance agencies/brokers selling Progressive policies.
Atlanta State Farm Insurance Agents
State Farm has over 50 agents in Atlanta.
Georgia insurance agent search
Your insurance agency not listed? If you own an insurance agency that operates in Atlanta and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Rates For Car Insurance In Atlanta
Georgia is not a particularly cheap nor overly expensive state to buy an auto insurance policy. Interestingly for a big city, car insurance in Atlanta is not significantly more expensive than it is elsewhere in the state. According to CarInsurance.com drivers in Atlanta pay about $1,460 per year for their car insurance policy. This is just $30 more a year than the US average, according to the same source. The reason why you can still find cheap auto insurance in Atlanta has to do with the following factors.
Atlanta Driving Conditions And How It Affects Your Insurance
One reason why the state of Georgia does not have lower insurance rates, is that drivers still get in many fatal car crashes each year. Atlanta itself is probably the most dangerous place to drive in the state. According to Allstate’s America’s Best Drivers Report™, Atlanta drivers get in accidents 26% more frequently than the average urban driver. On average, you can expect to get in an accident once every 7.9 years.
Fortunately, most of these accidents aren’t serious and even fewer are fatal. Still, in 2010 Fulton and DeKalb counties had 72 and 48 traffic fatalities respectively according to the National Highway Traffic Safety Administration. This places them as the 1st and 3rd highest counties in terms of fatalities in Georgia. Still for an area of with a lot of people these numbers are not too high.
Finally, driving conditions themselves an also affect your insurance rates. According to the INRIX National Traffic Scorecard, the Atlanta metro area is the 12th worst in the county in terms of congestion, yet ranks 9th overall in their population calculations. Of particular concern are the I-285, I-75, I-85 and the I-20 all of which are among the 300 worst sections of road in the country.
Therefore, driving in Atlanta does have an impact on your insurance rates. Frequent accidents serve to raises rates, while the fact that they tend not to be so serious acts as a damper. Traffic conditions are a concern, so always pay attention to traffic reports for Atlanta, along with all other traffic laws.
Georgia Auto Insurance Laws You Should Know
The other reason why Atlanta’s car insurance rates are what they are has to do with the Georgia’s state auto insurance laws. Specifically, Georgia has relatively low requirements for auto insurance compared to the majority of states in the US. At the current time, you only need to buy liability coverage ass follows:
The minimum limits of liability required under Georgia law are Bodily injury Liability of $25,000 per person, $50,000 per occurrence and Property Damage liability of $25,000 per occurrence. Liability insurance is insurance that pays damages to others, on behalf of an insured, for injury to or damaged property of others, up to the policy limit, which an insured may have caused by his negligence or may protect him against claims made against him by someone who alleges he was at-fault.
Unlike many other states, you do not need to buy uninsured motorist protection or Personal Injury Protection (PIP). This means that your rates are lower, but that you do not have as much protection as drivers in other states may enjoy.
The other important thing to know about auto insurance in Georgia is how the law treats accidents. Like the majority of states, fault is based on the principle of comparative negligence. This just means that your ability to claim and collect damages is based on your degree of fault in an accident. Just be aware that Georgia’s law states that if you are more than 50% at fault, you can’t claim anything.
For other auto insurance topics in Georgia please speak to a licensed insurance agent and/or have a look at the Auto Insurance Frequently Asked Questions for Georgia.
Ways Of Getting Your Atlanta Auto Insurance Quotes
There are two ways to get auto insurance quotes in Atlanta. The first is to speak with an agent and use their contacts in getting a quote. This is a good route if you need help with what policy to buy or need any other insurance advice. However, your second option is to get your car insurance quotes online.
This is recommended even if you go and get agent quotes later. The benefit of online quotes is that you can compare rates from dozens or even hundreds of companies relatively quickly. This will give you a much better idea of what a fair Atlanta car insurance quote should look like. Thus, even if you opt to buy your insurance policy from an agent you should still get quotes online. Get some for free right now: