Best Cheap Auto Insurance in Athens, OH (2021)

The average Athens, OH auto insurance rates are $236 per month. The minimum auto insurance in Athens is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Athens, Ohio, 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 cheapest auto insurance company in Athens is USAA
  • The minimum auto insurance required in Athens, Ohio is 25/50/25
  • Average auto insurance rates in Athens, OH for senior drivers are $1,487 per year

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

Compare auto insurance in Athens to other Ohio cities, including Parma auto insurance rates, Toledo auto insurance rates, and Cincinnati auto insurance rates to see how Athens, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Athens, Ohio

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

Minimum Required Auto Insurance Coverage in Athens, Ohio

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

Auto insurance rates in Athens, Ohio 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, Ohio

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 $2,356 $2,361 $2,104 $2,255 $6,344 $7,253 $2,505 $2,697
American Family $973 $1,011 $889 $893 $3,009 $3,271 $1,204 $1,270
Farmers $1,814 $1,811 $1,601 $1,679 $7,489 $7,763 $2,029 $2,137
GEICO $1,414 $1,364 $1,300 $1,293 $3,709 $3,457 $1,577 $1,350
Liberty Mutual $2,091 $2,286 $1,609 $1,957 $10,597 $11,990 $2,235 $2,451
Nationwide $2,235 $2,254 $2,008 $2,033 $5,497 $7,148 $2,405 $2,818
Progressive $1,716 $1,626 $1,426 $1,470 $7,465 $8,414 $2,063 $2,129
State Farm $1,457 $1,457 $1,288 $1,288 $4,301 $5,412 $1,687 $1,933
Travelers $1,500 $1,525 $1,482 $1,476 $6,362 $10,023 $1,561 $1,798
USAA $888 $896 $841 $843 $2,712 $3,025 $1,188 $1,288

Cheap Athens, Ohio Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Athens, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,344 $7,253
American Family $3,009 $3,271
Farmers $7,489 $7,763
GEICO $3,709 $3,457
Liberty Mutual $10,597 $11,990
Nationwide $5,497 $7,148
Progressive $7,465 $8,414
State Farm $4,301 $5,412
Travelers $6,362 $10,023
USAA $2,712 $3,025

Cheap Athens, Ohio Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Athens, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,104 $2,255
American Family $889 $893
Farmers $1,601 $1,679
GEICO $1,300 $1,293
Liberty Mutual $1,609 $1,957
Nationwide $2,008 $2,033
Progressive $1,426 $1,470
State Farm $1,288 $1,288
Travelers $1,482 $1,476
USAA $841 $843

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

Annual Athens, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,950 $3,549 $4,122 $3,317
American Family $1,499 $1,587 $1,587 $1,587
Farmers $2,721 $3,487 $3,400 $3,554
GEICO $1,328 $1,894 $2,692 $1,819
Liberty Mutual $3,705 $4,736 $4,854 $4,313
Nationwide $2,629 $3,365 $4,290 $2,915
Progressive $2,839 $3,845 $3,019 $3,451
State Farm $2,158 $2,548 $2,353 $2,353
Travelers $2,373 $3,086 $4,649 $2,756
USAA $1,125 $1,504 $1,966 $1,246

Cheap Athens, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Athens, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,122
American Family $1,587
Farmers $3,400
GEICO $2,692
Liberty Mutual $4,854
Nationwide $4,290
Progressive $3,019
State Farm $2,353
Travelers $4,649
USAA $1,966

Cheap Athens, Ohio Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Athens, Ohio

Insurance Company Poor Fair Good
Allstate $4,496 $3,244 $2,712
American Family $2,078 $1,417 $1,200
Farmers $3,744 $3,137 $2,990
GEICO $2,319 $1,933 $1,547
Liberty Mutual $6,326 $3,857 $3,024
Nationwide $3,983 $3,208 $2,708
Progressive $3,704 $3,188 $2,975
State Farm $3,353 $2,072 $1,634
Travelers $3,600 $3,129 $2,920
USAA $1,900 $1,340 $1,140

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Cheap Athens, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Athens, Ohio

ZIP Code Average Annual Rates
45701 $2,698

Cheap Athens, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Athens, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,484 $3,484
American Family $1,546 $1,584
Farmers $3,290 $3,290
GEICO $1,897 $1,970
Liberty Mutual $4,402 $4,402
Nationwide $3,300 $3,300
Progressive $3,289 $3,289
State Farm $2,297 $2,409
Travelers $3,216 $3,216
USAA $1,405 $1,516

Cheap Athens, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Athens, Ohio

Insurance Company Low Medium High
Allstate $3,376 $3,477 $3,599
American Family $1,540 $1,577 $1,578
Farmers $3,149 $3,249 $3,473
GEICO $1,882 $1,926 $1,991
Liberty Mutual $4,250 $4,424 $4,532
Nationwide $3,656 $3,198 $3,045
Progressive $3,183 $3,265 $3,418
State Farm $2,262 $2,358 $2,439
Travelers $3,140 $3,257 $3,251
USAA $1,404 $1,459 $1,518

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Best By Category: Cheapest Auto Insurance in Athens, Ohio

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

Best Annual Auto Insurance Rates by Company in Athens, Ohio

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

The Cheapest Athens, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Athens, Ohio

Insurance Company Average Annual Rates
Allstate $3,484
American Family $1,565
Farmers $3,290
GEICO $1,933
Liberty Mutual $4,402
Nationwide $3,300
Progressive $3,289
State Farm $2,353
Travelers $3,216
USAA $1,460

What affects auto insurance rates in Athens, Ohio?

There are a lot of reasons why auto insurance rates in Athens, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Athens, Ohio. 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, Ohio auto theft statistics, there have been 15 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, Ohio commute length is 31.3 minutes according to City-Data.

Athens Traffic

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

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Compare Athens, Ohio Auto Insurance Quotes

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