Atlanta Auto Insurance Rates

Want to learn more about Atlanta and low-cost car insurance? Atlanta is Georgia's capital. Atlanta was founded in 1837, and its location was chosen because it was at the crossroads of two major railroad lines at the time. Atlanta is best known as the headquarters of Coca-Cola, and the city is popular with sports fans thanks to its professional sports teams, which include the Atlanta Falcons, Atlanta Braves, and Atlanta Hawks.

In spring 2018, the United States Census Bureau ranked the Atlanta metropolitan area as the third largest-gaining metropolitan area in the country, indicating that the Atlanta area's population increased more than almost anywhere else in 2017.

With so many people on the road, many of whom are new to the area, it's especially important to have adequate auto insurance to protect you and your family in the event of an accident.

There are numerous auto insurance products available to assist you in finding the coverage you require for your Atlanta car insurance. It's always a good idea to get multiple car insurance quotes before purchasing any products to ensure you're getting the best deal possible from whichever auto insurance company you choose. Remember that you can save money by bundling your car insurance with other insurance products provided by the same insurance company. Health, dental, mortgage, home, and life insurance are among the products available, with many more. Consider asking about discounts for purchasing multiple insurance products while gathering auto insurance quotes.

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Driving Conditions in Atlanta

According to a 2017 report from traffic analytics company INRIX, traffic in the Atlanta metro area ranks No. 10 in the world and No. 4 in the United States. Approximately 10% of driving time in Atlanta in 2017 was spent navigating congested roadways, and commuters spent an average of 70 hours per year in traffic congestion.

Car Insurance Policy Requirements for Atlanta, Georgia

Each state has its own requirements for the amount of auto insurance coverage required for licensed drivers. Every driver in Georgia is required to have liability auto insurance, which helps pay for damage and injuries to the other party in the event of a car accident. For bodily injury liability, the minimum coverage amounts for Georgia auto insurance policies are $25,000 per person/$50,000 for multiple people, and $25,000 per incident for property damage liability.

Of course, you can always go above and beyond the minimum liability requirements, which can be extremely beneficial if you're in an accident that costs more to resolve than the minimum coverage amounts. It's also a good idea to have collision or comprehensive auto insurance, which helps pay for damages you or your vehicle sustain in an accident, especially if the other driver is uninsured or underinsured. It's also worth noting that, while Georgia law does not require collision or comprehensive auto insurance, if you owe money on your car via a lease or a loan, your bank or lender will require you to carry those types of coverage.

Georgia differs from other states in that, while all drivers are required to have auto insurance, you cannot show your insurance card as proof of coverage. However, don't see this as a way to avoid being insured — quite the opposite. Not only is having auto insurance in your best financial interest, but law enforcement officers will check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance in the event of a traffic stop. It's also a good idea to keep your insurance card on hand so you can exchange information with other drivers in the event of an accident.

Unique Laws in Atlanta

The Georgia Department of Driver Services provides drivers with driving codes that allow law enforcement officers to issue citations. Unusual driving regulations have been eliminated in Atlanta, but the city of Dublin, Georgia, has a provision in its vehicle code that prohibits drivers from operating a vehicle within a playground setting.

Atlanta Crime Statistics

- Auto Thefts: Statistics from the Federal Bureau of Investigation help determine crime rates in major U.S. cities. According to these figures, there were 4,282 auto thefts in 2015.

- Property Crimes: In 2015, authorities in Atlanta reported 25,556 property crimes.

- Crash Statistics: According to Georgia's Governor's Office of Highway Safety, 55,833 traffic crashes occurred in Fulton County (where Atlanta is located) in 2014, resulting in 77 fatalities.

Atlanta Vehicle and Driving Safety Requirements

According to the Governor's Office of Highway Safety, texting while driving is illegal in Georgia, as is all cellphone use by teen drivers. Anyone riding a motorcycle in Georgia is required to wear a safety helmet. Anyone convicted of exceeding 75 mph on a two-lane road in Georgia or exceeding 85 mph on other roads faces steeper fines than other speeders.

Impaired Driving Laws in Atlanta

All states make it illegal to operate a motor vehicle if the driver's blood alcohol content (BAC) is.08 or higher. The Georgia Governor's Office of Highway Safety outlines the penalties for a DUI conviction.

A driver convicted of DUI in Georgia faces the following penalties for a first offense:

  • A one-year prison sentence
  • A fine of up to $1,000 is possible.
  • A one-year suspension of one's driver's license
  • 40 hours of community service is required.
  • A license reinstatement fee of $210 is required.

Georgia law prohibits anyone from drinking alcohol or having an open container of alcohol in their car while driving on a roadway or on a highway shoulder.