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Search by Quote ID → Search by Date of BirthMercury Auto Insurance in Atlanta
Driving in Atlanta offers a blend of urban exploration and southern scenery. Whether you’re cruising down the bustling Peachtree Street or navigating the expansive ATL airport, Mercury offers personalized auto insurance coverage options to keep you safe on the road. Plus, you can save even more with discounts for good drivers, multi-policy bundles, automatic payments, and more, helping you get the coverage you need at a price that fits your budget.
Why Choose Mercury for Atlanta Car Insurance?
Here’s why Mercury is one of the best car insurance companies for Atlanta drivers:
- 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. Plus, we help you save even more with discounts for bundling policies, maintaining a clean driving record, enrolling in automatic payments, paying in full, and more.
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.
Contact us today for a fast, free quote!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.
How to Get Car Insurance in Atlanta, GA
Securing auto insurance in Atlanta shouldn’t be complicated. At Mercury, we make it simple to find a policy that fits your needs and budget. From liability-only coverage to comprehensive protection, our Atlanta-based agents are here to offer expert support every step of the way.
Ready to get started? Find a local Georgia agent or call us at (844) 714-3400 for a personalized quote.
Get Cheap Auto Insurance in Atlanta from Mercury
Finding affordable car 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
At Mercury, we believe great coverage should come with real savings. That’s why we offer several auto discounts designed to help Atlanta drivers cut down on their premiums:
- Multi-car discount: Insure more than one vehicle and save up to 17%.
- Accident- and violation-free: Stay claim-free and ticket-free for 35 months and you could qualify for a 6% discount.
- Paid in full: Pay your policy in full upfront and save up to 12%.
- Automatic payments: Set up auto-pay from your bank account and earn a 2% discount.
- Good driver: No late payments or NSF fees in the last 35 months? You may be eligible for a 10% savings.
- Multi-policy bundle: Bundle your auto insurance with a home, renters, or condo policy (HO-3, HO-4, or HO-6) to save between 3% and 14%.
- E-signature: Sign your policy documents electronically and earn an extra 3% off.
- Electric vehicle discount: Own an EV? You may qualify for a 1% discount.
- Good student: Full-time student under 23 with strong grades? You could earn a 2% discount.
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.
Top Rated Auto Insurance in Atlanta
Atlanta drivers trust Mercury Insurance for quality coverage, affordable rates, and dependable service. With decades of experience and thousands of satisfied customers, Mercury has earned a reputation as one of the top-rated auto insurance providers in Georgia.
Want to see what others are saying? Check out real customer reviews and see why so many drivers choose Mercury for their Atlanta car insurance needs.
Yes, I would buy again
They have always been very helpful and quick with whatever I need.
Affordable Insurance
Easy and affordable!!
Great value
Just came on board with Mercury and signing up was very easy. We were insured with State Farm for over 20 years and their representative became not to helpful, happy to switch to Mercury.
Learn More About Car Insurance
Read our latest blog posts to stay informed and make smarter insurance decisions.
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How much is car insurance in Atlanta?
To lower your car insurance premium in Georgia, consider bundling your auto policy with homeowners or renters insurance, maintaining a clean driving record, and increasing your deductible. You can also take advantage of Mercury’s discounts, including savings for paying your policy in full, driving an electric vehicle, enrolling in automatic payments, and more.
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 can I lower my premium in Georgia?
According to Bankrate, the average annual cost of full car insurance coverage in Atlanta is $232 per month or $2,781 per year.
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: