Car Insurance in Atlanta, GA

Enter your zip code below to start your quote

Find an Agent

Tell us about your residence

Welcome back!

You can pick up from where you left by retrieving your quote below.

Search by Quote ID →

Mercury Car Insurance in Atlanta

Driving in Atlanta offers a blend of urban exploration and Southern hospitality. Mercury Insurance is here to ensure that your journey through the heart of Georgia is protected with coverage as diverse and vibrant as Atlanta itself. Whether you’re cruising down the bustling Peachtree Street or navigating the expansive ATL airport, Mercury offers personalized coverage options to keep you safe on the road.

Here’s why Mercury is one of the best car insurance companies in Atlanta:

Customized coverage: Our policies consider the full spectrum of Atlanta's challenges, from heavy rainfall to heavy traffic. Whether it's a hail-damaged hood or rear-end collision on I-85, Mercury has you covered.
Local knowledge and comprehensive support: Our local agents understand Atlanta's unique driving conditions and the challenges you may face on the road. You're not just getting coverage. You're gaining a local ally.
Easy claims process: When disaster strikes, you can file a claim 24 hours a day, seven days a week. Submit a claim online or call our claims hotline at (844) 769-1237.
Affordable protection: Mercury offers some of the cheapest car insurance rates in Atlanta without compromising quality. We believe in providing value with excellent coverage so you can drive confidently without overstretching your budget.

Is Auto Insurance Mandatory in Atlanta?

In Atlanta, as well as the rest of Georgia, all drivers must carry auto insurance. This requirement protects you, other drivers, pedestrians, and property in the event of an accident. Take the specifics of what your auto insurance policy can cover and the minimum coverage requirements you need.

Types of Auto Insurance Coverage

Here’s an overview of the key types of auto insurance coverage:

Liability Insurance

Liability insurance covers costs associated with damage and injury you may cause to others in an accident. There are two main types:

Bodily injury liability: Covers medical expenses, lost wages, and legal fees for injuries you cause to someone else.
Property damage liability: Pays for damage to another person's property, such as their car, fence, or building.

Collision Coverage

Collision coverage pays for repairs to your vehicle after an accident, regardless of who was at fault.

Comprehensive Coverage

Comprehensive insurance provides protection against risks not covered by collision insurance, such as theft, vandalism, fire, natural disasters, and collisions with animals.

Medical Payments Coverage

Medical payments coverage pays for medical expenses you and your passengers incur after an accident.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you're in an accident with a driver who either lacks sufficient insurance or has no insurance at all. It covers bodily injury and, in some cases, property damage.

Minimum Coverage Requirements in Atlanta

According to the State of Georgia, you must comply with their insurance requirements to legally drive in Atlanta:

Bodily injury liability: $25,000 per person and $50,000 per incident
Property damage liability: $25,000 per incident

Collision, comprehensive, medical payments, and uninsured/underinsured motorist coverages are all optional in Atlanta. However, you may need collision and comprehensive coverage if you lease or finance your vehicle.

What Does Atlanta Auto Insurance Not Cover?

Auto insurance provides coverage for a wide range of incidents, but it’s equally important to know what’s excluded from a standard policy so you can manage risks more effectively. Here are some notable exclusions:

Intentional damage: Auto insurance doesn’t cover any vehicle damage you deliberately cause.
Normal wear and tear: Routine maintenance, such as oil changes, tire rotations, and brake pad replacements, is your responsibility.
Personal belongings: Standard auto insurance policies don’t cover personal items stolen from or damaged in your vehicle. Look into homeowners or renters insurance to get coverage for your belongings.
Mechanical failures: Mechanical breakdowns and failures, including issues with the engine, transmission, or other mechanical components, are not covered under standard auto insurance policies. For protection against these types of expenses, consider mechanical protection insurance.
Business use: Vehicles used primarily for business purposes are typically not covered under personal auto insurance policies. Consider a business auto insurance policy if you use your vehicle to deliver goods, transport passengers for a fee, or do other commercial activities.

Get Cheap Auto Insurance in Atlanta from Mercury

Finding affordable auto insurance in Atlanta doesn’t mean you have to compromise on coverage. Mercury Insurance offers a comprehensive range of auto insurance options that not only meet the legal requirements but also provide the peace of mind you need when navigating ATL’s bustling streets. With Mercury, you can enjoy premium protection at an affordable price, tailored to fit your lifestyle and budget.

Save More with Discounts

Mercury understands the importance of affordability without sacrificing quality. That’s why we offer various discounts to help lower your auto insurance premiums. From our home and auto bundle to savings for anti-theft devices, our discounts make it easy to get the protection you need at a price that fits your budget.

Explore our discounts now

Atlanta Homeowners Insurance

Protecting your home is just as important as insuring your vehicle. Our homeowners insurance policies offer robust protection against a wide range of perils, including fire, theft, and natural disasters. Tailored to the specific needs of Atlanta homeowners, our policies ensure that your biggest investment is safeguarded against the unexpected.

Atlanta Renters Insurance

If you’re renting in Atlanta, our renters insurance provides an affordable way to protect your personal belongings and cover potential liabilities. Whether you live in a bustling downtown loft or a quiet suburban apartment, renters insurance offers peace of mind by protecting the items that make your rental feel like home.

Frequently Asked Questions About Atlanta Car Insurance

How much is car insurance in Atlanta?

According to Bankrate, the average annual cost of full car insurance coverage in Atlanta is $232 per month or $2,781 per year.

How to find the cheapest car insurance in Atlanta?

Finding the cheapest car insurance in Atlanta requires a blend of research, customization, and understanding of what impacts insurance rates. Here are steps to ensure you secure the most affordable car insurance that still meets your needs:

Understand minimum requirements: Know Georgia’s liability insurance minimums to avoid overbuying coverage.
Seek discounts: Check for available discounts you qualify for, such as safe driver or multi-policy discounts.
Assess your vehicle: Choose a cheaper car to insure based on safety, repair costs, and theft rates.
Opt for higher deductibles: Increase your deductible to lower your premium, but make sure it’s affordable if you need to file a claim.
Maintain good credit: A higher credit score can lead to lower premiums in Georgia.
Adjust coverage as needed: Regularly review and adjust your coverage to fit changing needs and eliminate unnecessary extras.

At Mercury, we offer some of the most affordable rates in Atlanta while providing best-in-class coverage.

How do I find a Mercury Agent in Atlanta?

Visit our Georgia Insurance Agents, scroll down to Atlanta, and find an agent who best suits your needs!

What products does Mercury offer in Atlanta?

Explore some of the products we have to offer in Atlanta: