Best Cheap Auto Insurance in Athens, MI (2021)

The average Athens, MI auto insurance rates are $732 per month. The minimum auto insurance in Athens is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Athens, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The minimum auto insurance required in Athens, Michigan is 20/40/10
  • The most expensive auto insurance company in Athens for teen drivers is Allstate
  • The cheapest auto insurance company in Athens is USAA

Athens, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Athens to other Michigan cities, including Sterling Heights auto insurance rates, Grand Rapids auto insurance rates, and Troy auto insurance rates to see how Athens, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Athens, Michigan

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

Minimum Required Auto Insurance Coverage in Athens, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Athens, Michigan 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, Michigan

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 $15,061 $15,061 $13,956 $13,956 $37,629 $37,629 $15,874 $15,874
Farmers $4,007 $4,007 $3,748 $3,748 $8,651 $8,651 $4,491 $4,491
GEICO $3,558 $3,558 $3,627 $3,627 $9,989 $9,989 $3,403 $3,403
Liberty Mutual $13,546 $13,546 $13,410 $13,410 $32,119 $32,119 $13,546 $13,546
Nationwide $3,916 $3,916 $3,483 $3,483 $10,196 $10,196 $4,285 $4,285
Progressive $3,057 $2,852 $2,694 $3,005 $11,066 $11,801 $3,562 $3,311
State Farm $5,900 $5,900 $5,392 $5,392 $19,585 $19,585 $6,894 $6,894
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,352 $2,239 $2,212 $2,097 $5,723 $5,466 $2,869 $2,767

Cheap Athens, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Athens, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,629 $37,629
Farmers $8,651 $8,651
GEICO $9,989 $9,989
Liberty Mutual $32,119 $32,119
Nationwide $10,196 $10,196
Progressive $11,066 $11,801
State Farm $19,585 $19,585
Travelers $13,395 $13,395
USAA $5,723 $5,466

Cheap Athens, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Athens, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,956 $13,956
Farmers $3,748 $3,748
GEICO $3,627 $3,627
Liberty Mutual $13,410 $13,410
Nationwide $3,483 $3,483
Progressive $2,694 $3,005
State Farm $5,392 $5,392
Travelers $3,858 $3,858
USAA $2,212 $2,097

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

Annual Athens, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,125 $13,495 $44,795 $14,105
Farmers $4,402 $5,586 $5,525 $5,384
GEICO $1,824 $3,837 $11,562 $3,354
Liberty Mutual $12,802 $15,368 $28,128 $16,322
Nationwide $4,693 $6,223 $5,685 $5,279
Progressive $4,386 $5,750 $5,168 $5,369
State Farm $6,235 $7,350 $15,161 $9,024
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,593 $3,224 $4,220 $2,824

Cheap Athens, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Athens, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,795
Farmers $5,525
GEICO $11,562
Liberty Mutual $28,128
Nationwide $5,685
Progressive $5,168
State Farm $15,161
Travelers $10,331
USAA $4,220

Cheap Athens, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Athens, Michigan

Insurance Company Poor Fair Good
Allstate $31,287 $17,317 $13,285
Farmers $6,962 $4,535 $4,176
GEICO $6,608 $4,864 $3,961
Liberty Mutual $28,710 $16,587 $9,167
Nationwide $6,841 $5,165 $4,405
Progressive $5,970 $5,016 $4,519
State Farm $15,288 $7,758 $5,283
Travelers $6,813 $6,608 $6,525
USAA $4,795 $2,747 $2,105

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Athens, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Athens, Michigan

ZIP Code Average Annual Rates
49011 $6,181

Cheap Athens, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Athens, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,630 $20,630
Farmers $5,224 $5,224
GEICO $5,027 $5,261
Liberty Mutual $17,524 $18,786
Nationwide $5,470 $5,470
Progressive $5,168 $5,168
State Farm $9,197 $9,688
Travelers $6,611 $6,686
USAA $3,179 $3,252

Cheap Athens, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Athens, Michigan

Insurance Company Low Medium High
Allstate $20,166 $20,671 $21,053
Farmers $5,092 $5,213 $5,368
GEICO $4,800 $5,098 $5,534
Liberty Mutual $17,752 $18,116 $18,596
Nationwide $5,725 $5,377 $5,308
Progressive $5,040 $5,173 $5,292
State Farm $9,044 $9,492 $9,792
Travelers $6,575 $6,656 $6,715
USAA $3,122 $3,223 $3,302

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Athens, Michigan

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

Best Annual Auto Insurance Rates by Company in Athens, Michigan

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

The Cheapest Athens, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Athens, Michigan

Insurance Company Average Annual Rates
Allstate $20,630
Farmers $5,224
GEICO $5,144
Liberty Mutual $18,155
Nationwide $5,470
Progressive $5,168
State Farm $9,443
Travelers $6,649
USAA $3,215

What affects auto insurance rates in Athens, Michigan?

There are a lot of reasons why auto insurance rates in Athens, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Athens, Michigan. 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, Michigan commute length is 30.2 minutes according to City-Data.

Athens Traffic

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Athens, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption