Car Insurance Quotes Atlanta

Car Insurance in Atlanta

From Centennial Olympic Park to Fox Theatre, there is so much to see and do in Atlanta, GA. And while you’re out exploring all that the city has to offer, you’ll need to stay protected on the road. Driving in the Peach State has its challenges, like dense traffic and severe weather, that’s why drivers in Atlanta need car insurance they can depend on.

Whether you’re looking for car insurance quotes in Atlanta or want to learn more about auto insurance requirements in Georgia, you’ve come to the right place. The AARP^® Auto Insurance Program from The Hartford¹ can get you the car insurance protection you need to have peace of mind on the road. From this program’s flexible coverage options to its high ratings for customer and claims service, you can count on The Hartford to be there when you need us most.

Fast and Free Car Insurance Quotes in Atlanta From The Hartford

Since 1984, the AARP Auto Insurance Program from The Hartford has offered great car insurance in Georgia to protect drivers and their families on the road. And we make it fast and easy to get a quote. You can request car insurance quotes online in as little as eight minutes, or you can call for a car insurance quote at 888-546-9099.

What Are the Requirements for Car Insurance in Atlanta?

According to state law, drivers are required to carry Georgia auto insurance at the following minimum bodily injury liability and property damage liability limits:²

$25,000 for bodily injury, per person per accident
$50,000 for bodily injury, total per accident
$25,000 for property damage per accident

Although not required by Georgia law, you may consider adding optional coverages like uninsured and underinsured motorist coverage for extra protection.

Additional Atlanta Car Insurance Coverages

Other coverage options that you can purchase for more protection are:

Gap insurance, which helps pay the difference between your car’s Actual Cash Value (ACV) and the amount you owe on a loan if your vehicle is totaled or stolen.
Comprehensive coverage to help cover damages to your car from covered non-collision events, like natural disasters.
Collision insurance, which helps pay to repair your vehicle after you collide with another car or object.
Uninsured motorist property damage insurance to help cover costs to repair your car or property after you get into an accident with a driver who doesn’t have car insurance.
Uninsured motorist bodily injury insurance, which helps pay for medical expenses if you’re involved in an accident with an uninsured driver.
Roadside assistance to provide help if you need assistance for a roadside emergency, like a dead battery or flat tire.
Towing insurance to help pay the cost to tow your damaged vehicle to a nearby repair facility.
Rental car reimbursement coverage, which helps cover the cost to rent a vehicle after your car is too damaged to drive.

How Much Does Auto Insurance in Atlanta Cost?

We know drivers want to know the price they have to pay to get good coverage. One of the questions we hear all the time is, “How much is car insurance?” The answer will depend on different factors for each individual, but the average cost of car insurance in Atlanta is $2,177 a year or $181 a month.³ Car insurance costs are unique to each driver, so you may pay more or less than the average amount. Some factors that can affect how much you pay for car insurance include your:

Vehicle type
Average miles driven per year
Vehicle’s age
Driving history
Claims history

Benefits and Discounts for Auto Insurance in Atlanta, GA

The AARP Auto Insurance Program from The Hartford offers AARP members benefits and discounts to help them get great coverage and save money.

AARP Auto Insurance Program From The Hartford Benefits

Benefits available through the AARP Auto Insurance Program from The Hartford are:

Accident Forgiveness:^‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
New Car Replacement:^§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
Disappearing Deductible:^‡ This reduces your collision deductible on your auto policy over time, as long as you maintain a clean driving record.
24/7 Claims Service: Our representatives are available 24 hours a day, 7 days a week at 800-243-5860 to help guide you through the process for car insurance claims.

Car Insurance Discounts

You may also be eligible for car insurance discounts and savings when you:

Bundle insurance coverages: When you bundle, you can save up to 5% on your auto policy and up to 20% on your home, renters or condo insurance.** Types of insurance bundles available through The Hartford include:
Pay your premium in full: You’ll receive a discount if you pay your bill in full rather than making monthly payments.
Take a safe driver training course: If you have drivers on your policy who are under 21, you can save on your insurance if they complete an approved driver training course.
Participate in The Hartford’s TrueLane Program:^‡‡ Get rewarded for safe driving with TrueLane. You’ll save up to 12% today just for participating. You could also earn a renewal discount of up to 25%, depending on the driving habits you demonstrate.
Complete an approved defensive driver course: If you complete a defensive driver course and send The Hartford a copy of your certificate, you’ll receive a discount on your premium over the next three years.

Proof of Auto Insurance in Atlanta, GA

If you’re involved in a car accident, Georgia state law requires you to show proof of insurance to the responding police officer. To make it even easier, Georgia allows electronic proof of auto insurance coverage. And with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

The AARP Auto Insurance Program from The Hartford has been protecting Atlanta drivers and their families since 1984. With flexible coverage options to meet your needs and high ratings for customer and claims service, The Hartford offers the peace of mind you deserve on the Georgia road. Get a quote today!

Last Updated: February 9, 2024

² Office of Insurance and Safety Fire Commissioner, “Auto Insurance.”

³ Bankrate, “Average cost of car insurance in Georgia in 2023”