Best Cheap Auto Insurance in Athens, AL (2021)

The average Athens, AL auto insurance rates are $294 per month. The minimum auto insurance in Athens is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Athens, Alabama, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Athens for teen drivers is Liberty Mutual
  • The average commute length in Athens is 22.6 minutes
  • Average auto insurance rates in Athens, AL for senior drivers are $1,857 per year

Athens, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Athens can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Athens, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Athens to other Alabama cities, including Madison auto insurance rates, Auburn auto insurance rates, and Mobile auto insurance rates to see how Athens, Alabama auto insurance rates stack up.

Before you buy Athens, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Athens, Alabama auto insurance quotes.

Minimum Auto Insurance in Athens, Alabama

Athens, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Athens, Alabama.

Minimum Required Auto Insurance Coverage in Athens, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Athens, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Athens, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Athens, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,910 $1,820 $1,735 $1,768 $6,659 $7,161 $2,126 $2,167
Farmers $2,230 $2,211 $1,992 $2,118 $8,712 $8,959 $2,538 $2,635
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $3,026 $3,266 $2,478 $2,771 $11,290 $12,551 $3,219 $3,424
Nationwide $1,720 $1,740 $1,570 $1,622 $4,565 $5,863 $1,910 $2,131
Progressive $2,295 $2,144 $1,884 $2,019 $9,497 $10,577 $2,676 $2,830
State Farm $2,714 $2,714 $2,468 $2,468 $8,397 $10,500 $3,071 $3,548
Travelers $1,336 $1,355 $1,263 $1,258 $7,267 $11,455 $1,266 $1,430
USAA $1,261 $1,276 $1,176 $1,146 $3,782 $4,188 $1,641 $1,765

Cheap Athens, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Athens, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Athens, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Athens, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,659 $7,161
Farmers $8,712 $8,959
GEICO $4,963 $4,863
Liberty Mutual $11,290 $12,551
Nationwide $4,565 $5,863
Progressive $9,497 $10,577
State Farm $8,397 $10,500
Travelers $7,267 $11,455
USAA $3,782 $4,188

Cheap Athens, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Athens, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Athens, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,768
Farmers $1,992 $2,118
GEICO $1,810 $1,872
Liberty Mutual $2,478 $2,771
Nationwide $1,570 $1,622
Progressive $1,884 $2,019
State Farm $2,468 $2,468
Travelers $1,263 $1,258
USAA $1,176 $1,146

Cheap Athens, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Athens, Alabama compared to the annual auto insurance rates with a clean record in Athens, Alabama.

Annual Athens, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,175 $3,761 $3,043
Farmers $3,298 $4,274 $4,169 $3,956
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $4,117 $5,744 $5,603 $5,550
Nationwide $2,313 $2,313 $3,356 $2,579
Progressive $3,822 $4,817 $4,128 $4,194
State Farm $4,036 $5,034 $4,435 $4,435
Travelers $2,773 $2,908 $4,262 $3,372
USAA $1,561 $1,962 $2,906 $1,688

Cheap Athens, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Athens, Alabama is not easy. Compare the annual rates for DUI auto insurance in Athens, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Athens, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,761
Farmers $4,169
GEICO $3,548
Liberty Mutual $5,603
Nationwide $3,356
Progressive $4,128
State Farm $4,435
Travelers $4,262
USAA $2,906

Cheap Athens, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Athens, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Athens, Alabama

Insurance Company Poor Fair Good
Allstate $3,914 $3,076 $2,515
Farmers $4,397 $3,788 $3,589
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,514 $4,621 $3,625
Nationwide $3,185 $2,486 $2,250
Progressive $4,778 $4,106 $3,837
State Farm $7,273 $3,681 $2,501
Travelers $3,627 $3,149 $3,210
USAA $2,728 $1,775 $1,585

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Cheap Athens, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Athens, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Athens, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Athens, Alabama

ZIP Code Average Annual Rates
35611 $3,618
35613 $3,652
35614 $3,656

Cheap Athens, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Athens, Alabama auto insurance. Find the cheapest annual Athens, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Athens, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,168 $3,168
Farmers $3,924 $3,924
GEICO $2,591 $2,683
Liberty Mutual $5,253 $5,253
Nationwide $2,640 $2,640
Progressive $4,240 $4,240
State Farm $4,376 $4,594
Travelers $3,329 $3,329
USAA $1,937 $2,122

Cheap Athens, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Athens, Alabama? Check out the comparison of annual Athens, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Athens, Alabama

Insurance Company Low Medium High
Allstate $3,047 $3,162 $3,295
Farmers $3,703 $3,873 $4,197
GEICO $2,419 $2,624 $2,868
Liberty Mutual $5,010 $5,228 $5,521
Nationwide $2,626 $2,617 $2,677
Progressive $3,774 $4,216 $4,732
State Farm $4,230 $4,480 $4,746
Travelers $3,144 $3,395 $3,447
USAA $1,959 $2,019 $2,110

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Best By Category: Cheapest Auto Insurance in Athens, Alabama

Compare the cheapest auto insurance companies in Athens, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Athens, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Athens, Alabama Auto Insurance Companies

What auto insurance companies in Athens, Alabama are the cheapest? Compare the top Athens, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Athens, Alabama

Insurance Company Average Annual Rates
Allstate $3,168
Farmers $3,924
GEICO $2,637
Liberty Mutual $5,253
Nationwide $2,640
Progressive $4,240
State Farm $4,485
Travelers $3,329
USAA $2,029

What affects auto insurance rates in Athens, Alabama?

There are a lot of reasons why auto insurance rates in Athens, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Athens, Alabama. Many local factors may affect your Athens auto insurance rates.

Athens Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Athens, Alabama auto theft statistics, there have been 28 auto thefts in the city.

Athens Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Athens, Alabama commute length is 22.6 minutes according to City-Data.

Athens Traffic

How does Athens, Alabama rank for traffic? According to Inrix Athens, Alabama is the 35th most congested worldwide.

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Compare Athens, Alabama Auto Insurance Quotes

Before you buy Athens, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Athens, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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