There are plenty of reasons to have car insurance, but Atlanta drivers have much to consider when hitting the road. This makes auto insurance a must. Some risks Atlanta drivers face include: 

• Heavy Traffic on Roadways: Areas like I-75, I-85, and I-285 face heavy traffic and congestion.
• Location-Based Risks: Buckhead has higher theft rates; Midtown, Downtown, and the area surrounding the airport see heavy traffic.
• Weather & Environmental Hazards: Sudden summer thunderstorms and hail pose non-collision risks to your vehicle.

Atlanta drivers must meet the minimum requirements for liability insurance, which is set by the state of Georgia. Those legal minimums are as follows: 

• $25,000 per person and $50,000 per accident for bodily injury liability
• $25,000 per accident for property damage liability
• Uninsured Motorist (UM) Coverage

While there are minimum limits you must meet, some accidents may cause more damage than others. It can be a good idea to increase your liability limits to avoid costly out-of-pocket expenses in more severe cases where you're at fault. 

Be sure to check out our Georgia car insurance page to read full definitions of these requirements. 

Liability policies provide financial assistance to the other driver if you’re found at fault. To protect yourself and your vehicle, here are some commonly added coverage options: 

• Collision Coverage: Helps pay for damages to your vehicle from a covered accident, based on your deductible.
• Comprehensive Coverage: Helps pay for covered non-collision incidents (weather or theft) to your vehicle, based on your deductible.
• Roadside Assistance: Helps cover the cost of towing your vehicle if it cannot be driven to an accident or breakdown.
• Rental Reimbursement: Helps pay for a rental vehicle while your vehicle is being repaired after a covered accident.
• Rideshare Coverage: If you use your personal vehicle for a rideshare service, this applies when you’re on the clock. Might provide more protection than what is offered by the rideshare service.
  • Offered in liability, collision, and medical payment options.
• Medical Payments: Helps pay for medical expenses for you and your passengers in the event of an accident.

This isn’t a full list of coverage options, and the descriptions are general so you can get an idea of what’s available. 

At Goosehead, our agents work with you, learning your needs and situation to craft a policy that’s customized for you. 

On average, Atlanta drivers pay about $1,200 annually for the minimum amount of coverage. Those that put more coverage on their policies tend to pay around $2,600 to $3,600 a year. 

It’s worth noting that what you pay doesn’t just depend on the coverage you select and what you choose for your deductible. Other factors include: 

• Location: Certain areas of Atlanta face different risks, which influence premiums.
• Commute: Some drivers may have long commutes, putting them at a higher risk for accidents.
• Vehicle Type: Your vehicle’s age, luxury status, or customizations play a role in your premium, as repair costs vary depending.
• Age: Younger drivers have minimal experience, which makes them a higher risk on the road.
• Driving Record: Those with violations may face higher premiums due to higher risk.

Big cities come with a big price tag, but your car insurance policy doesn’t have to. Here are some strategies that can help you save: 

• Safe driver discounts: Taking a safe driving course, having little to no violations, or staying accident-free help lower your rates.
• Bundle policies: It’s common practice for carriers to offer discounts when you bundle auto with another policy.
• Ask about other discounts: There are many ways to get a discount, so it never hurts to ask an agent what’s available and if you qualify.
• Install safety features: Anti-theft features and other smart features that help you drive safer may qualify you for discounts.
• Shop Before Renewal: Some new policies may come with lower rates, so if you shop before your current policy renews, you may save. Goosehead makes it easy to shop around while keeping one point of contact for your insurance needs.

At Goosehead, we strive to meet our clients’ auto insurance needs. Here’s why drivers trust us: 

• Easy process: You tell us what you need, and we do the work for you. All you need to do is pick a policy that works.
• Expert Advice: Our agents know Georgia well, so they know what to look out for on your policy.
• Comparisons for You: We partner with top-rated carriers, so we save you time by comparing offerings.
• Exceptional Service: We make sure you’re taken care of every step of the way.