Best Cheap Auto Insurance in Athens, GA (2021)

The average Athens, GA auto insurance rates are $378 per month. The minimum auto insurance in Athens is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Athens, Georgia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 minimum auto insurance required in Athens, Georgia is 25/50/25
  • The cheapest auto insurance company in Athens is GEICO
  • Average auto insurance rates in Athens, GA for senior drivers are $2,512 per year

Athens, Georgia auto insurance requirements are 25/50/25 according to Georgia 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, Georgia, including driving record, credit, commute time, and more.

Compare auto insurance in Athens to other Georgia cities, including Sandy Springs auto insurance rates, Johns Creek auto insurance rates, and Alpharetta auto insurance rates to see how Athens, Georgia auto insurance rates stack up.

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

Minimum Auto Insurance in Athens, Georgia

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

Minimum Required Auto Insurance Coverage in Athens, Georgia

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, Georgia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Athens, Georgia 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, Georgia

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 $2,922 $2,922 $2,795 $2,795 $6,853 $8,856 $3,275 $3,579
GEICO $1,567 $1,548 $1,520 $1,520 $4,703 $5,640 $2,031 $2,248
Liberty Mutual $5,100 $5,549 $4,169 $4,728 $21,619 $24,136 $5,411 $5,761
Nationwide $2,822 $2,918 $2,789 $3,063 $8,502 $10,935 $3,414 $3,700
Progressive $2,693 $2,482 $2,318 $2,433 $8,471 $9,380 $3,117 $3,263
State Farm $2,165 $2,165 $1,943 $1,943 $5,768 $7,579 $2,375 $2,566
USAA $1,691 $1,689 $1,574 $1,579 $6,083 $7,194 $2,105 $2,323

Cheap Athens, Georgia Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Athens, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,853 $8,856
GEICO $4,703 $5,640
Liberty Mutual $21,619 $24,136
Nationwide $8,502 $10,935
Progressive $8,471 $9,380
State Farm $5,768 $7,579
USAA $6,083 $7,194

Cheap Athens, Georgia Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Athens, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,795 $2,795
GEICO $1,520 $1,520
Liberty Mutual $4,169 $4,728
Nationwide $2,789 $3,063
Progressive $2,318 $2,433
State Farm $1,943 $1,943
USAA $1,574 $1,579

Cheap Athens, Georgia 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, Georgia compared to the annual auto insurance rates with a clean record in Athens, Georgia.

Annual Athens, Georgia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,507 $5,397 $4,404 $3,689
GEICO $1,749 $2,192 $4,486 $1,961
Liberty Mutual $7,259 $9,915 $11,399 $9,664
Nationwide $3,689 $4,316 $6,609 $4,457
Progressive $3,344 $5,891 $3,952 $3,892
State Farm $3,019 $3,607 $3,313 $3,313
USAA $2,321 $2,938 $4,272 $2,588

Cheap Athens, Georgia Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Athens, Georgia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,404
GEICO $4,486
Liberty Mutual $11,399
Nationwide $6,609
Progressive $3,952
State Farm $3,313
USAA $4,272

Cheap Athens, Georgia Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Athens, Georgia

Insurance Company Poor Fair Good
Allstate $5,507 $3,826 $3,414
GEICO $3,266 $2,296 $2,229
Liberty Mutual $13,687 $8,402 $6,588
Nationwide $5,654 $4,603 $4,047
Progressive $4,813 $4,153 $3,843
State Farm $4,695 $2,925 $2,319
USAA $3,940 $2,777 $2,373

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Cheap Athens, Georgia Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Athens, Georgia

ZIP Code Average Annual Rates
30601 $4,297
30602 $4,333
30605 $4,379
30606 $4,292
30607 $4,533
30609 $4,364
30683 $4,435

Cheap Athens, Georgia Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Athens, Georgia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,155 $4,344
GEICO $2,552 $2,642
Liberty Mutual $9,559 $9,559
Nationwide $4,768 $4,768
Progressive $4,270 $4,270
State Farm $3,313 $3,313
USAA $2,892 $3,168

Cheap Athens, Georgia Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Athens, Georgia

Insurance Company Low Medium High
Allstate $3,947 $4,290 $4,511
GEICO $2,436 $2,609 $2,746
Liberty Mutual $9,185 $9,511 $9,981
Nationwide $4,617 $4,852 $4,834
Progressive $3,927 $4,204 $4,678
State Farm $3,098 $3,315 $3,525
USAA $2,890 $3,014 $3,186

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Best By Category: Cheapest Auto Insurance in Athens, Georgia

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

Best Annual Auto Insurance Rates by Company in Athens, Georgia

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Athens, Georgia Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Athens, Georgia

Insurance Company Average Annual Rates
Allstate $4,249
GEICO $2,597
Liberty Mutual $9,559
Nationwide $4,768
Progressive $4,270
State Farm $3,313
USAA $3,030

What affects auto insurance rates in Athens, Georgia?

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

Athens Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Athens, Georgia commute length is 19.4 minutes according to City-Data.

Athens Traffic

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

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Compare Athens, Georgia Auto Insurance Quotes

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