Athens, GA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Athens.
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 $1093. Our guide to Athens auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
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| 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.
Are you paying too much for auto insurance?
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.
| 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 Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed 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.
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.
| 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).Â
| 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.
| 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.