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Cheap Car Insurance in Atlanta, GA

Yes, there sure is good quality, budget-friendly auto insurance right here in the Peach State. At Velox Insurance, we are here to help you find the best protection at a wallet-friendly cost. 

Everything You Need to Know About Affordable Auto Insurance in Georgia

Ah, Atlanta – a vibrant metropolis teeming with history, culture, and Southern charm. Whether you want to take a drive down Peachtree Street, visit Downtown Atlanta, or take in the charm of the Old Fourth Ward, there’s no shortage of sights to explore by car. 

When it comes to auto insurance in Georgia, you know that saving money is important, but with a plethora of insurers vying for your business, you want to compare quotes from multiple companies to find the best deal. With Velox, you can prioritize your wallet without compromising your safety in Atlanta.

How Much Does Car Insurance Cost in Atlanta, GA?

Most people in Atlanta pay about $77 per month for state minimum required liability insurance, $9 more than the typical payment for auto insurance in Georgia of $68. This monthly amount is also $15 more than the national average of $62. 

Full coverage auto insurance in Atlanta is about $174 per month, $44 less than Georgia’s average of $218 and $41 less than the nation’s at $215.

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Different Vehicle Options for Insurance in Atlanta, GA

There are various types of auto coverage you may need depending on your preferred vehicle. There are also choices for a variety of modes of transportation – from a lazy day fishing at the lake to riding friendly bike routes. 

  • Motorcycle insurance can be personalized reflect how often you use your bike. Plus, you can still get the best motorcycle insurance rates, even with influencing factors like your age, the year of your motorcycle, mileage total, and even the location of where the bike is stored.
  • Boat insurance policies are essential if you have any type of watercraft used for recreational fishing, cruising, or other activities, and alleviate potential liabilities in an accident or injury. Some boat insurance even includes emergency towing, should you ever need repairs. 
  • Car Insurance has varying levels of protection from collision, comprehensive physical damage, medical expenses, and more. Choosing the right auto insurance is easier when you know what you’re looking for, so make sure you choose a reputable provider that can help you figure out what you need for your unique situation.

Why Should I Buy Uninsured Motorist Coverage in Atlanta?

There are reasons why you need underinsured and uninsured motorist coverage. For example, if you’re on a busy highway on the ATL and someone who doesn’t have an auto policy causes a wreck, you may need that uninsured motorist coverage. 

In Atlanta, traffic jams are as common as sweet tea on a hot summer day, and the risk of encountering someone without an active policy is higher than you might think. Uninsured motorist coverage ensures that you are not responsible for the possible financial burden of medical bills, repairs, and other expenses that may arise from an accident with an uninsured or underinsured individual. 

It doesn’t matter if you’re in Downtown Atlanta or Buckhead, uninsured motorist protection is your best bet for staying safe and secure on the road.

Low-Cost Car Insurance by Zip Code in Atlanta

Your quoted insurance prices are based on a variety of factors, including your zip code. Atlanta’s growing population means there is a larger number of motorists, accidents, and amount of claims than in areas with fewer drivers. These risk factors will be reflected in your monthly bill.

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Zip Code Full Coverage Insurance Liability Insurance Coverage
30033 $165 $75
30301 $192 $86
30302 $192 $86
30303 $180 $80
30304 $181 $80
30305 $146 $65
30306 $152 $67

*We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100

Car Insurance Laws in Atlanta, GA

Georgia has requirements for state-minimum required auto insurance in Atlanta, as well as the rest of the Peach State. A basic liability auto policy in Georgia must have:

  • Coverage for bodily injury and death liability per individual involved and per accident, with a minimum of $25,000 per individual and $50,000 per accident.   
  • Coverage for property damage liability, with a minimum of $25,000 per incident.
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Penalties for Driving Without Auto Insurance Coverage in Atlanta, GA

Bless your heart if you are caught driving without consistent mandatory liability insurance. In Georgia, you need to have continuous coverage, with no lapse in your policy’s start and end dates.

In other words, keep your policy rolling like a tumbleweed on a breezy Georgia day, otherwise, you might face some penalties.  If it’s your first offense, here are some of the consequences you will face:

  • Losing your license for 60 days, plus paying a registration reinstatement fee of $60.
  • A $200 fine.

If you have subsequent offenses, here are some additional penalties you will encounter:

  • License suspension for a minimum of 90 days, plus a registration reinstatement fee of up to $160.
  • Fines up to $1,000.
  • A jail sentence of up to 12 months. 

If you lapse in your payments or forget to renew with your insurer at any time, you’ll have to pay a fee of $25. To give yourself peace of mind, work with a reliable provider so you don’t have to worry about these kinds of headaches. 

Is Additional Medical Coverage a Good Idea in Atlanta?

The amount of traffic in Atlanta increases the risk of mishaps you might encounter (and makes you madder than a wet hen), so you might want additional medical protection, like MedPay. Short for Medical Payments Coverage, MedPay is an optional add-on that helps cover medical bills from a roadside emergency, regardless of who was at fault. 

MedPay can extend to you, your passengers, and even household members listed on your policy. While MedPay can offer valuable peace of mind in the event of an accident on risky roads, whether it’s a good idea ultimately depends on your individual circumstances. Your existing health insurance, financial situation, and driving habits should be considered as you decide the most practical choice for you.

Skyline, cityscape, sunrise or sunset of downtown Atlanta, Georgia with ferris wheel: Cheap car insurance in The Peach State. Piedmont Park skyline in Dogwood City in autumn. View of a lake, downtown Atlanta, and reflection of trees and buildings in the water. Cheap car insurance in Georgia.

List of Insurance Products Available in Atlanta, Georgia

Coverage goes beyond auto insurance folks, and they can be tailored to your situation. Below are three offerings you may want to consider in Atlanta for your residential and business needs. 

  • Condo insurance protects your personal assets, and there are several things any owner should know about condo insurance. For example, condo insurance covers parts of your unit that are not included by your condo association’s insurer. Legal fees, medical bills, and other finances that may arise if a person is injured on your property, and even temporary housing and moving expenses might be covered if you experience a fire or flood. 
  • Landlord insurance ensures your rental investment properties are covered during unexpected disasters, which can be financially devastating to you and your finances. Landlord insurance covers the building, with the option of insuring any contents that belong to the landlord that are inside.
  • Builder’s risk insurance is ideal in a growing metropolis like Atlanta if you’re doing a home renovation or partaking in a commercial venture. Builder’s risk insurance allows you to complete projects whose loss would represent a personal or business catastrophe, especially for new construction. 

Do I Need Landlord Insurance on My Home if I Rent a Room Out?

If you’re a landlord renting out a room in your home in Atlanta, Georgia, you’re going to want investment homeowner’s insurance because renting out a room can change the risk profile of your property. 

Landlord insurance, also known as rental property insurance, is specifically designed to buffer you from financial losses associated with renting out your home or a room in your building and typically assists with the financial liabilities or loss of rental income in the event of a covered incident, such as a fire or a tenant causing harm to your assets.

While landlord insurance is not legally required in Georgia for renting out a room in your home, it’s highly recommended to mitigate the risks associated with being a landlord. Renting out a room can expose you to potential liabilities and financial losses that may not be covered by your homeowner’s policy.

What are the Best Car Insurance Discounts in Atlanta, GA?

There are many reasons why your auto insurance prices are high, but insurers have discounts that can reduce how much you’ll pay each month. Take a gander below to see some popular savings in the Atlanta area. 

  • Insurance Policy Discounts:

    Did you know you can get lower rates by protecting your car and yourself with safety features and auto insurance? Yessir, you sure can! Characteristics like a car alarm, automatic seatbelts, or anti-lock brakes can help you qualify for discounts. The more safety features you have, the more you’ll reduce how much you pay.
  • Full-payment Discounts:

    If you pay for your annual car insurance premium upfront, you may earn savings that will ultimately help you pay less than if you paid monthly. In addition to these reductions, you wouldn’t have additional charges for the rest of the year.
  • Multiple Vehicle Discount:

    Your loyalty is important to insurers. If you insure two or more vehicles on the same auto policy with the same provider, you may be eligible for a discount.

Get a Quote for Car Insurance Coverage in Atlanta Today!

Athens motorists need to have auto coverage that meets Georgia’s minimum liability laws. Here at Velox Insurance, we have the hospitality you expect, and the expertise to find the plans you need at an affordable price. Get started with a quote online, visit us at an office near you, or call us at 855-468-3569 to speak with an agent.