Cheapest Auto Insurance in Alpharetta, Georgia (2024)
Hugo offers the cheapest car insurance in Alpharetta, with minimum-coverage policies as low as $66 per month.
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Written byKim Porter
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Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated October 30, 2024
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Table of contents
The average monthly cost of liability car insurance in Alpharetta is $176, which is higher than the state average of $148 and the national average of $104.
A thriving suburb of Atlanta, Alpharetta is located in Fulton County, which has a countywide population of nearly 1.1 million.[1] Having so many people on the roads commuting in and out of the city increases the risk of accidents, which can affect rates for Alpharetta residents.
But the rates you pay in Alpharetta will depend on several factors, including your age, driving history, gender, vehicle type, and more. Here’s what you need to know about comparing car insurance rates to help make your daily commute a little more affordable.
Quick Facts
Liability-only insurance costs Alpharetta drivers an average of $176 per month.
Alpharetta drivers pay $3,267 per year for a full-coverage insurance policy, on average.
Hugo, Auto-Owners, and State Farm offer the cheapest car insurance in Alpharetta.
3 of the cheapest car insurance companies in Alpharetta
The cheapest car insurance company in Alpharetta may not be the same for every driver. That’s because each insurer offers a different menu of discounts and coverages, and they all have different formulas for setting rates.
Insurers usually base premiums on factors like gender, marital status, ZIP code, driving history, and credit. But the weight companies apply to these factors can vary from one company to the next. To find the best insurance coverage for your needs, it’s important to compare quotes from several insurers.
Here’s a brief look at three of the cheapest insurers in Alpharetta.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Hugo | 7.0 | N/A | $274 | Short-term coverage |
| Auto-Owners | 8.5 | $94 | $59 | Collision coverage |
| State Farm | 9.3 | $101 | $64 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for short-term coverage: Hugo
HugoCompare personalized, real-time quotes
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $265/mo |
Hugo Insurance offers pay-as-you-drive auto insurance policies with flexible terms and no required up-front payments. Policyholders in Georgia can purchase either the Unlimited Basic or the Unlimited Full plan, which offer coverage in intervals of three, seven, 14, or 30 days, or six months.
Pros
Mobile app allows for easy policy management
Grace period for late payments
Flexible terms
Cons
Flex plan not available in Georgia
SR-22 insurance not available
No available discounts
Read more driver reviews of Hugo
Dawn - October 21, 2024
Verified
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
Kimberly - September 21, 2024
Verified
Hugo Whoa!
It's steep, but convenient.
Sheila - September 10, 2024
Verified
Great in a Pinch
It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
…
Best insurer for collision coverage: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $113/mo |
Fulton County, where Alpharetta is located, had more than 58,000 crashes in 2021, according to Georgia Department of Transportation data. In fact, the neighboring city of Dacula is one of the cities with the most at-fault car accidents.
Auto-Owners offers several endorsements to protect you in the event of a car accident, including collision coverage, a collision deductible waiver, and at-fault accident forgiveness.
Pros
Endorsement options include at-fault accident forgiveness
Lower-than-average rates in Alpharetta
13 advertised discounts
Cons
Must work with an independent agent to get a policy
Not available in every state
Below-average J.D. Power customer satisfaction rating in the Southeast
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
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Best insurer for teen drivers: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
In Georgia, residents age 17 and younger must take a state-approved driving education course and complete 40 hours of supervised driving time behind the wheel.[2]
Not only does State Farm offer discounts for drivers who take safety classes, but it also offers savings for teens who earn good grades. And drivers age 25 and younger can save up to 15% if they go at least three years without any at-fault accidents or moving violations on their record.
Pros
Several available discounts for teen drivers
Low rates in Alpharetta
12 advertised discounts in Georgia
Cons
Gap insurance not available
Not as many discounts as some competitors
Low customer reviews on Trustpilot
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
How to get the cheapest car insurance in Alpharetta
Factors like your driving record and the car you own can influence your car insurance rates, but so do personal characteristics like your age, gender, marital status, and ZIP code.[3] Each insurance company uses its own underwriting formula to determine rates, which is why it’s so important to shop around to find the lowest premium.
Here are some other strategies you can use to get the cheapest rates for coverage in Alpharetta:
Adjust your coverage amount. Lowering your coverage limits, buying fewer endorsements, and increasing your deductible can generally help lower your insurance costs. Just be sure you have enough coverage to protect yourself financially in the event of an accident.
Ask about discounts. Your insurance company may offer ways to help lower your premium. For example, you may get discounts for driving safely, bundling multiple insurance policies, and paying your premium in full.
Consider a telematics program. Many insurers offer telematics programs, in which you use an app or install a device in your car that tracks your driving habits. Safe drivers can save money using these programs.
Find Cheap Car Insurance in Alpharetta, Georgia
Monthly liability rates start at $66
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Cheapest liability-only car insurance in Alpharetta: Hugo
Georgia requires all drivers to carry liability insurance, which pays for the other driver’s medical expenses and property damage when you’re at fault in a car accident.
Liability-only car insurance costs $176 per month in Alpharetta, on average.
The table below shows the cheapest liability insurers in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $66 |
| Auto-Owners | $74 |
| State Farm | $80 |
| COUNTRY Financial | $81 |
| Allstate | $87 |
| Mile Auto | $88 |
| USAA | $93 |
| Progressive | $108 |
| Safeco | $114 |
| GEICO | $129 |
| Mercury | $133 |
| Clearcover | $140 |
| Elephant | $161 |
| Liberty Mutual | $161 |
| Direct Auto | $162 |
| AssuranceAmerica | $165 |
| GAINSCO | $180 |
| Midvale Home & Auto | $180 |
| National General | $188 |
| Nationwide | $193 |
| Infinity | $237 |
| The General | $245 |
| Foremost | $292 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Alpharetta: Auto-Owners
Each insurance company may have its own definition of full-coverage insurance, but these policies always include liability coverage with at least the state-mandated limits.
They also typically include collision coverage, which pays to repair or replace your own vehicle after an auto accident, and comprehensive coverage, which pays for repairs or replacement after other types of incidents, like severe weather, falling objects, theft, and vandalism.
Alpharetta drivers pay a monthly average of $272 for full-coverage car insurance. You can check out average full-coverage rates from the insurers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $113 |
| State Farm | $121 |
| COUNTRY Financial | $123 |
| Allstate | $132 |
| USAA | $142 |
| Mile Auto | $149 |
| Safeco | $185 |
| Progressive | $188 |
| GEICO | $195 |
| Mercury | $209 |
| Elephant | $231 |
| State Auto | $253 |
| Clearcover | $263 |
| Hugo | $265 |
| Midvale Home & Auto | $276 |
| AssuranceAmerica | $287 |
| Liberty Mutual | $291 |
| Nationwide | $291 |
| Direct Auto | $297 |
| National General | $318 |
| Foremost | $364 |
| GAINSCO | $366 |
| The General | $420 |
| Infinity | $446 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Alpharetta, Georgia
Recent Alpharetta, Georgia car insurance prices for Nissan, Hyundai, Ford , and more.
*Quotes generated for Insurify users in and around Alpharetta, Georgia within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Alpharetta, Georgia within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia law requires all drivers to carry bodily injury liability and property damage liability insurance to operate a motor vehicle on its public roads and highways.
Georgia is an at-fault state, which means you’re responsible for paying the other driver’s costs when you cause a car accident. Victims can seek compensation for costs related to bodily injury and property damage in addition to future medical bills, time off from work, mental distress, and even death.
The following table shows you the minimum insurance requirements you must meet to drive legally in the state of Georgia:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Georgia doesn’t require further coverages, but you can give yourself more financial protection by adding any of these endorsements:
Collision coverage
Collision insurance pays for your own car’s repair bills when you’re in an accident with another car or an object, such as a telephone pole.
Comprehensive coverage
Comprehensive insurance covers incidents that collision coverage doesn’t, such as vandalism, theft, and animal damage.
Uninsured/underinsured motorist coverage
If you’re in a car accident with another driver who doesn’t have enough car insurance or has none at all, uninsured/underinsured motorist coverage pays expenses for you and your passengers.
Medical payments coverage
Medical payments coverage pays for medical expenses that health insurance won’t pay for you and your passengers, even if you’re at fault.
Roadside assistance coverage
If you’re stranded on the side of the road, this coverage pays for the costs of services like towing, jump-starts, tire changes, and more.
Cheapest car insurance for drivers with an incident
Drivers with a clean record often pay the lowest insurance rates. But if you have a past moving violation on your driving record — such as an at-fault accident, speeding ticket, or driving under the influence — you can expect to pay higher insurance premiums. That’s because such drivers are more likely to file a claim and therefore pose a higher risk to auto insurers.
On average, Alpharetta drivers with a past incident pay $230 per month for liability-only car insurance. The severity and frequency of your violations also influence how much you pay for car insurance.
In the table below, you can compare car insurance rates for various insurers in Alpharetta for drivers with a clean record versus drivers with an incident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Hugo | $66 | $84 | $96 | $109 |
| Auto-Owners | $74 | $96 | $100 | $122 |
| State Farm | $80 | $102 | $108 | $132 |
| COUNTRY Financial | $81 | $107 | $114 | $134 |
| Allstate | $87 | $112 | $118 | $143 |
| Mile Auto | $88 | $116 | $125 | $145 |
| USAA | $93 | $119 | $126 | $153 |
| Progressive | $108 | $138 | $148 | $178 |
| Safeco | $114 | $148 | $151 | $188 |
| GEICO | $129 | $166 | $175 | $213 |
| Mercury | $133 | $183 | $192 | $201 |
| Clearcover | $140 | $182 | $203 | $231 |
| Elephant | $161 | $224 | $213 | $265 |
| Liberty Mutual | $161 | $224 | $233 | $265 |
| Direct Auto | $162 | $208 | $224 | $267 |
| AssuranceAmerica | $165 | $214 | $222 | $272 |
| GAINSCO | $180 | $250 | $233 | $297 |
| National General | $188 | $242 | $256 | $310 |
| Nationwide | $193 | $250 | $264 | $318 |
| Infinity | $237 | $316 | $316 | $391 |
| The General | $245 | $318 | $337 | $404 |
| Foremost | $292 | $406 | $423 | $481 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Young drivers lack experience behind the wheel and are more likely to be involved in car accidents, so they pay the highest car insurance rates of any age group.[5] Fortunately, rates start decreasing around age 35 and follow the same trend for the next few decades. Premiums then rise for senior drivers around age 70, when the risk of an accident increases.
The table below shows average monthly quotes for Alpharetta drivers by age group.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $355 |
| 20s | $244 |
| 30s | $191 |
| 40s | $178 |
| 50s | $155 |
| 60s | $155 |
| 70s | $170 |
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Alpharetta car insurance quotes by credit tier
Georgia law allows car insurance companies to consider your credit history when determining your premium rates. Drivers with excellent or good credit scores pay less for car insurance because they’re less likely to file a claim. And drivers with poor credit scores typically pay higher rates.
The chart below shows average rates for consumers based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Alpharetta car insurance FAQs
If you’re shopping for car insurance in Alpharetta, this additional information may help as you research your coverage options.
How much is car insurance in Alpharetta?
Car insurance in Alpharetta costs an average of $176 per month for liability coverage and $272 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Alpharetta?
Hugo has the cheapest car insurance in Alpharetta, with a monthly liability-only rate of $66. Auto-Owners and State Farm also offer affordable liability-only coverage, with respective monthly rates of $74 and $80.
But the cheapest insurance company for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Alpharetta?
With an IQ Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and above-average J.D. Power customer satisfaction ratings, State Farm is the best car insurance company in Alpharetta.
Other top insurers include Auto-Owners and Hugo.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Georgia
Sources
- U.S. Census Bureau. "Quick Facts Fulton County, Georgia."
- Georgia Governor's Office of Highway Safety. "Joshua's Law."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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Kim Porter
Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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