Athens, GA Car Insurance

Learn more about how to find affordable insurance in Athens.

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How much does auto insurance cost in Athens?

 

The typical Athens driver pays $1,519 per year for auto insurance. That's less expensive than the average across Georgia ($1,609) and less expensive than the national average of $1,548. Our guide to Athens auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
AUTO INSURANCE: ATHENS RATES VS. STATE + NATIONAL AVERAGES
Athens Average (per year)Georgia AverageNational Average
$1,519$1,609$1,548
 
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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 to 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. Don't forget to get car insurance quotes based on your unique driving profile.

 
ATHENS CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
Georgia Farm Bureau$967
USAA$1,236
State Farm$1,406
GEICO$1,552
Progressive$1,768
 

Consult our expert guide to finding the best cheap car insurance.

 

Athens auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Athens are drivers in their 50s, who pay an average of $1,325 per year. Drivers in their 60s pay marginally higher rates — $1,366 per year.

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.

 
CAR INSURANCE RATES BY AGE TIER IN ATHENS
Age groupAverage Annual Rate
Teenagers$6,046
20s$2,087
30s$1,504
40s$1,433
50s$1,325
60s$1,366
70s$1,704
 

Learn more about the impact of age on auto insurance rates.

 

Athens car insurance rates by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Athens pay $177 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Athens, widowed drivers pay less than those who are single.

Gender is another factor that can impact auto insurance costs. In Athens, female drivers pay more for auto insurance than do male drivers: $1 per year, to be precise.

 
ATHENS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,520
Male$1,519
Single$1,342
Married$1,342
Divorced$1,519
Widowed$1,420
 

Learn more about how gender and marital status have on auto insurance rates.

 

Athens car insurance rates by citation and accident history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Athens drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $791 per year versus the city average. A ticket for speeding results in a $399 rate hike while a DWI or DUI violation costs $1,138 per year in extra insurance expenditures.

 
AVERAGE ATHENS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$2,657
Reckless Driving$2,310
At-fault Accident (damages < $1,000)$2,110
At-fault Accident (damages greater than $2,000)$2,351
Speeding Ticket (16-20 mph over speed limit)$1,918
 

Learn more about how citations can raise your auto insurance rates.

 

Athens car insurance rates by credit level

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do 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 $940 decrease in annual car insurance rates.

 
ATHENS CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage Rate (annual)
Very Poor$2,669
Fair$1,730
Good$1,519
Very Good$1,431
Exceptional$1,308
 

Learn more about the relationship between poor credit and car insurance.

 

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.