Athens Car Insurance

The Zebra
May 30, 2018

Car Insurance in Athens

Premiums in Athens are relatively consistent with state rates, as its premiums are within $56 of Georgia's average. Going over some ways to save on Athens car insurance can save you some hard-earned money.

  • City Average: $1,332
  • State Average: $1,388
  • National Average: $1,427

Athens Car Insurance by Age

Athens drivers see the most significant reduction in premiums when they reach their 20s, as they save an average of 61% from moving out of the teenage age bracket. In Athens, turning 60 means an increase in rates. Up until then, transitioning from one age group to the next means decreasing prices. At $1,156, drivers in their 50s have the smallest car insurance rates among any age group. Those in their 60s ($1,196) aren’t paying much more. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $4,812 on average.

  • Teenagers: $4,812
  • 20s: $1,860
  • 30s: $1,312
  • 40s: $1,251
  • 50s: $1,156
  • 60s: $1,196
  • 70s: $1,496

Athens Car Insurance by Gender and Marital Status

Car insurance premiums in Athens differ depending on your gender and marital status. Males have premiums that are roughly 3% more costly than those for females. You can save roughly 8% per year if you're married as opposed to single or divorced. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,291
  • Male: $1,332
  • Single: $1,332
  • Married: $1,222
  • Divorced: $1,332
  • Widowed: $1,283

Athens Car Insurance by Accident or Violation History

Prior accidents and violations can cost you in terms of prices on car insurance. Typically, a DUI in Athens will cost you 54% more in car insurance premiums versus the city average of $1,332. Reckless driving will also push your rates up, with average rates of $2,163. That is 62% higher than the city average! In Athens, individuals who are found at-fault in an accident spend $813 more per year to insure their vehicle.

  • DUI: $2,051
  • Reckless Driving: $2,163
  • At-fault Accident (damages less than $1000): $2,145
  • At-fault Accident (damages greater than $2000): $2,145
  • Speeding Ticket (16-20 mph over speed limit): $1,612

Athens Car Insurance by Credit Rating

Average car insurance premiums in Athens for individuals with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). The largest benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save nearly $417 per year.

  • Very Poor: $2,400
  • Fair: $1,983
  • Good: $1,658
  • Very Good: $1,381
  • Exceptional: $1,193

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