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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

How much does car insurance cost in Athens?

The typical Athens driver pays $759 every six months for auto insurance. That's less expensive than the average across Georgia ($804) and less expensive than the national average of $880. Our guide to Athens auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

 

Car insurance in Athens vs. Georgia Average 6 Mo. Premium
Athens average $759
Georgia average $804

The Zebra's key takeaways about car insurance in Athens:

  • The average cost of a car insurance policy in Athens is $759 per six-month policy — $126 per month.
  • The cheapest company in Athens is Georgia Farm Bureau ($483).
  • 35% of Zebra customers in Athens stated they used our product because they were paying too much for car insurance with their current provider.

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Athens car insurance rates by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the insurer that best fits your coverage needs. For a typical driver, Georgia Farm Bureau offers Athens's most affordable premiums. Reference below the top options for affordable insurance in Athens. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Athens, GA
Company Avg. 6 Mo. Premium
Georgia Farm Bureau $483
USAA $618
State Farm $703
GEICO $776
Progressive $884

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Athens.

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Athens auto insurance rates by age

Our data shows that drivers between the ages of 20-29 make up 45% of Athens drivers. The age group that enjoys the lowest auto insurance rates in Athens are drivers in their 50s, who pay an average of $662 every six months. Drivers in their 60s pay marginally higher rates — $683 per six-month period.

The Athens drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Athens is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Athens is $3,958, the largest such difference between any two age groups.

Athens auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,023
20s $1,043
30s $752
40s $716
50s $662
60s $683
70s $852

Athens car insurance rates by credit score

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than drivers with stellar credit. In fact, Athens drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 51% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Athens, improving your credit to "Fair" could help you earn a $470 decrease in annual car insurance rates. Our data tells us 38% of drivers in Athens have a credit score of average (580-679). 

credit score
Athens auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,334
Fair $865
Good $759
Very Good $715
Exceptional $654

Athens car insurance rates by violation

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Athens drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $928 per year versus the city average. A ticket for speeding results in a $465 rate hike, on average, while a DUI violation costs $1,324 per year in insurance premiums.

Athens auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,328
Reckless Driving $1,155
At-fault Accident (damages < $1,000) $1055
At-fault Accident (damages greater than $2,000) $1,175
Speeding Ticket (16-20 mph over speed limit) $959

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.