Car Insurance in Atlanta-Sandy Springs-Roswell, Georgia
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The Atlanta-Sandy Springs-Roswell metro area in Georgia is a thriving hub of business, arts, cuisine, and entertainment. Hands down the most influential metro area in the South, it boasts a thriving travel hub, acts as the home of mega players Coca-Cola and Delta Airlines and was even rated as one of the best cities in the country to visit by Lonely Planet for 2021.
Do not forget Atlanta’s quaint nature opportunities. Known as the “City in the Forest,” it is home to many creeks, trails, and parks. The famed Buford Highway also offers tons of cuisine options for every palette. It’s easy to say that the Atlanta-Sandy Springs-Roswell metro area is thriving in every sense of the word.
Quick Facts
- The average cost of car insurance in Atlanta-Sandy Springs-Roswell is $85 per month*.
- In 2019, there were 80 reported fatal accidents in Atlanta.
*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
How Much Is Car Insurance in Atlanta-Sandy Springs-Roswell?
On average, car insurance in the Atlanta-Sandy Springs-Roswell corridor costs $85 per month for basic liability. That is significantly higher than the national average of $39/month and the state of Georgia’s average of $63/month. A considerable amount of people live in the Atlanta-Sandy Springs-Roswell area, so it typically sees higher auto insurance premiums. Exact Georgia car insurance costs depend on several factors, including but not limited to your age, gender, and location.
Other factors that could affect auto insurance premiums in Atlanta-Sandy Springs-Roswell include your deductible, eligible discounts, your insurance provider, credit score, and marital status. The rule of thumb is the higher your claims history and the lower your age, the more likely you will pay higher auto insurance premiums.
It is recommended to purchase full comprehensive, collision and property damage coverage as opposed to state minimum requirements that may not cover all of the costs you are responsible for in an accident.
Thankfully, there are steps you can take to reduce your auto insurance premiums, including discounts for accounts in good standing.
Atlanta-Sandy Springs-Roswell Car Insurance Rates by Zip Code
Your zip code is a determining factor in how much insurance you must pay. Some zip codes have a higher incidence of car theft and accidents than other zip codes, resulting in higher average insurance premiums. Insurance companies are continually recalculating rates using real-time risk assessments.
Atlanta-Sandy Springs-Roswell has 42 zip codes. Some zip codes pay higher insurance rates than others. Read below for a list of zip codes and each of their average monthly premiums (based on the driver profile of a male driver aged 30 with minimum coverage). Your quotes may be different based on your age, gender, and coverage needs.
| Zip Code | Average Monthly Car Insurance Rate |
|---|---|
| 30303 | $84 |
| 30305 | $69 |
| 30306 | $73 |
| 30307 | $75 |
| 30308 | $73 |
| 30309 | $68 |
| 30310 | $88 |
| 30311 | $86 |
| 30312 | $82 |
| 30313 | $80 |
| 30314 | $88 |
| 30315 | $90 |
| 30316 | $82 |
| 30317 | $80 |
| 30318 | $77 |
| 30319 | $70 |
| 30320 | $90 |
| 30322 | $72 |
| 30324 | $72 |
| 30326 | $70 |
| 30327 | $71 |
| 30328 | $71 |
| 30329 | $71 |
| 30331 | $81 |
| 30334 | $87 |
| 30336 | $81 |
| 30337 | $84 |
| 30338 | $69 |
| 30339 | $72 |
| 30340 | $79 |
| 30341 | $75 |
| 30342 | $69 |
| 30344 | $84 |
| 30345 | $77 |
| 30346 | $69 |
| 30349 | $85 |
| 30350 | $77 |
| 30354 | $83 |
| 30360 | $79 |
| 30363 | $69 |
| 30075 (Roswell) | $70 |
| 30076 (Roswell) | $75 |
Atlanta-Sandy Springs-Roswell Car Insurance Rates by Age
Some age ranges pay higher average car insurance rates than others age ranges due to collective driving history, the number of claims made, and other risk assessments made by the insurance company based on real-world behaviors.
It’s a well-known fact that teenagers are more likely to be part of a car accident than a driver in their 30s and 40s.
This is easily reflected with the Atlanta, Sandy Springs, and Roswell driving population. For example, those in the 16 to 19 age group pay an average monthly rate of $418.68, which is nearly three times higher than drivers in their 50s.
We recommend keeping a safe driving record to take advantage of every discount possible.
| Age | Average Monthly Car Insurance Rate |
|---|---|
| Teenagers | $452 |
| 20s | $195 |
| 30s | $85 |
| 40s | $85 |
| 50s | $74 |
| 60s | $73 |
| 70s | $85 |
Driving Conditions in Atlanta-Sandy Springs-Roswell
How Many Fatal Accidents Happen in Atlanta-Sandy Springs-Roswell?
In 2019, there were 80 reported fatal accidents in Atlanta. Of these accidents, there were 85 fatalities, with 136 vehicles involved. Of these accidents, 11 involved drunk persons.
How Are the Road Infrastructure and Bridges in Atlanta-Sandy Springs-Roswell?
Atlanta-Sandy Springs-Roswell is a thriving transportation and logistics hub, so the need for constant road and infrastructure improvements never seems to end. As of this writing, three popular initiatives are Renew Atlanta, TSPLOST, and Vision Zero. Renew Atlanta is a $250 million bond effort towards facilities and infrastructure improvements across the city, key in renovating streets, bridges, roadways, sidewalks, traffic signals, and other public areas.
Founded in 2016, Transportation Special Purpose Local Option Sales Tax (TSPLOST) is a similar effort, only used for transportation initiatives.
Lastly, Vision Zero is an initiative focused on safer street design and speed management. One of its initiatives calls for a 25 mile-per-hour default speed limit on select city streets, as well as designated bicycle paths for a greener city.
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Minimum Car Insurance Requirements in Atlanta-Sandy Springs-Roswell
Georgia is an at-fault state, meaning drivers are expected to cover the cost of an accident if they are determined to be at fault. Anyone causing injuries or property damage could be sued by the opposing party to recoup all costs. One of the best ways to protect yourself is by applying for full coverage with a manageable deductible and high coverage limits.
Here are the state minimum requirements for auto insurance in Georgia:
- Bodily Injury Coverage per Person: $25,000
- Bodily Injury Coverage per Accident: $50,000
- Property Damage per Accident: $25,000
If you are leasing a vehicle, the finance company may require you to take out full coverage in line with its required limits.
Factors Allowed in Atlanta-Sandy Springs-Roswell Car Insurance Rates
Many factors calculate how much or how little auto insurance premiums cost Atlanta-Sandy Springs-Roswell residents.
Here are some factors affecting your car insurance payment:
- Age
- Gender
- Zip code
- Credit score
- Make and model of vehicle
Remember, keeping a safe driving record will allow you to save money on your auto insurance premiums.
Discounts for Car Insurance in Atlanta-Sandy Springs-Roswell
There are many ways to save money on car insurance in Atlanta-Sandy Springs-Roswell. These include taking defensive driving courses, installing anti-theft devices in your vehicle, or applying for a multi-package discount that also covers your boat, home, and other valuables in one plan to save on individual coverage.
Here are some discounts available to Atlanta, Sandy Springs, and Roswell drivers.
-
Good student discount
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Anti-theft discount
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Good driver discount
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Military discount
Don’t be afraid to ask your insurance company if you’re getting all your eligible discounts. Check back if your circumstances change, for example if you start working from home, you may be entitled to a discount based on miles traveled.
What Are the Penalties for Driving Without Insurance in Atlanta-Sandy Springs-Roswell?
Expect to pay serious penalties if caught driving without insurance in the Atlanta-Sandy Springs-Roswell corridor. First-time offenders can expect to face up to a year in jail and/or fines of up to $100, as well as a suspended license and required filing for SR-22 insurance. Depending on the case, you may even be required to attend defensive driving courses.
A single fender bender could result in thousands of dollars in medical costs and damage. When you drive without insurance, you are putting your finances at risk.
The state and insurance companies know when your coverage lapses through a real-time database of all active and non-active coverages, so you can expect to receive a notice if your insurance defaults.
Get an Atlanta-Sandy Springs-Roswell Car Insurance Quote Today!
Georgia requires all drivers to carry at least the state minimum car insurance requirements for a policy. Obtaining full comprehensive, collision, and property damage coverage with low deductibles and high coverage limits is the first step to greater peace of mind on the road.
Freeway Insurance offers outstanding insurance rates in the Atlanta-Sandy Springs-Roswell, Georgia area. Request a free quote online, visit us at an Atlanta-Sandy Springs-Roswell office near you, or call us at (800) 777-5620 for a quote.