Learn more about how to find affordable insurance 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!
|Athens Average (per year)||Georgia Average||National Average|
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.
|Insurer||Average Annual Rate|
|Georgia Farm Bureau||$967|
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.
|Age group||Average Annual Rate|
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.
|Gender/Marital Status||Average Yearly Rate|
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.
|Incident/Violation||Average Annual Rate|
|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|
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.
|Credit Score||Average Rate (annual)|