Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates near Athens, Georgia
Recent Athens, Georgia car insurance prices for Dodge, GMC, Nissan , and more.
*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Athens can expect to pay an average of $170 per month for car insurance. The city’s rates are less than Georgia’s average of $198 but higher than the national average of $153 per month.
Athens is the fifth-largest city in the state, and it’s home to the University of Georgia, which has more than 37,000 students. The city’s size and large number of students on the road may partly explain why its car insurance rates are more expensive than some other Georgia cities, though it’s much cheaper than Atlanta.[1]
Rates can vary drastically between companies, so it’s important to compare car insurance quotes from multiple insurers to find the best rate.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial are the cheapest car insurance companies for Athens residents.
Athens has some of the most expensive car insurance rates in Georgia.
Insurers in Georgia can consider your credit history when determining your rates.
Cheapest car insurance companies in Athens
Various factors affect how much you pay for car insurance, including your age, gender, the type of car you drive, and even your ZIP code. Your rates will also vary by insurer, as each uses slightly different formulas to calculate insurance rates.
Ultimately, the insurance company that’s best for you depends on your financial situation and coverage needs. Below are Insurify’s picks for the best car insurance companies in Athens to help you get started. Quotes are based on the monthly averages for Georgia drivers.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$273/mo
4.1
Best choiceBased on 127 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (49)
Natalie
December 5, 2024
Verified Purchase
Great! Affordable Insurance!
Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.
Marcus
December 2, 2024
Verified Review
Bad Company
They never sent the state a record that I had insurance.
Sara
November 26, 2024
Verified Review
Poor
The service is poor, but they allow pay-as-you-go.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Hugo is a relatively new company offering pay-as-you-drive liability insurance. Hugo charges no up-front fees, and you can pause your coverage whenever you need by sending a text.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners offers students various discounts, including a good student discount of up to 20% for students who maintain a grade point average of “B” or better. It also offers a discount to students attending school more than 100 miles from home without a vehicle.
Pros
Plenty of coverage options
Multiple discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$86/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm, the largest U.S. auto insurer by market share, offers drivers a variety of insurance products, including auto, home, small-business, and life insurance. It offers discounts to households insuring multiple vehicles and for customers who bundle multiple policies, so it’s a great option for families looking to pile up the savings.
Pros
Above-average J.D. Power rating in the Southeast
Rideshare insurance available
Cons
Doesn’t offer gap insurance
Can’t purchase a policy online. Must use a State Farm agent
Find Cheap Car Insurance in Athens, Georgia
Rates start at $50 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to get the cheapest car insurance in Athens
Every insurer determines car insurance premiums differently, so you’ll need to shop around to find the cheapest car insurance in Athens. Here are some ways to find the most affordable option for your situation:
Select a higher deductible. A higher deductible for collision and comprehensive coverage means a lower premium. Make sure you can afford to pay the deductible out of pocket if you need to file a claim.
Maintain a clean driving record. Drivers with clean driving records pay the cheapest premiums. Do your best to drive responsibly and avoid traffic violations.
Shop around. Get quotes from at least three car insurance companies before deciding on a policy. Insurance companies weigh factors differently, so you may find cheaper rates for the same coverage from certain companies.
Cheapest liability-only car insurance in Athens: Auto-Owners
All Georgia drivers must carry liability-only car insurance, which covers another driver’s property damage and injury costs from accidents you cause. Because it only meets the state’s minimum requirements and offers no additional coverage, it’s usually the cheapest auto policy available.
The cheapest insurer for liability-only car insurance in Athens is Auto-Owners, with an average premium of $50 per month. The table below outlines the cheapest liability-only policies for drivers in Athens.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$50
State Farm
$53
COUNTRY Financial
$54
Allstate
$58
USAA
$63
Mile Auto
$65
Progressive
$78
Safeco
$84
GEICO
$87
Mercury
$94
Clearcover
$111
Liberty Mutual
$122
Nationwide
$129
Direct Auto
$130
GAINSCO
$137
AssuranceAmerica
$146
National General
$157
The General
$188
Infinity
$189
Bristol West
$190
Foremost
$214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Athens: Auto-Owners
Full-coverage car insurance is optional and usually consists of liability, collision, and comprehensive insurance. Collision insurance covers the cost of damage to your car if you collide with another vehicle or object. Comprehensive insurance covers damages from non-collision events, like theft, fire, or vandalism.
The cheapest insurer for full-coverage car insurance in Athens is Auto-Owners, with an average cost of $80 per month. Here’s a look at the cheapest full-coverage car insurance rates in Athens.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$80
State Farm
$86
COUNTRY Financial
$87
Allstate
$94
USAA
$100
Mile Auto
$111
Safeco
$131
GEICO
$139
Progressive
$139
Mercury
$155
Clearcover
$198
Nationwide
$208
Liberty Mutual
$216
Direct Auto
$222
National General
$236
AssuranceAmerica
$247
GAINSCO
$270
Foremost
$277
The General
$321
Infinity
$337
Bristol West
$360
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Athens, Georgia
Recent Athens, Georgia car insurance prices for Acura, Toyota, Chevrolet , and more.
*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia drivers must carry liability insurance coverage and meet the state’s minimum limits. Driving without insurance can result in license and registration suspension, fines, and other penalties. If you’re pulled over or get into an accident, you must provide proof of insurance.
The table below shows Georgia’s minimum car insurance requirements.[2]
While liability coverage is enough to drive in Georgia legally, it may not be enough coverage for you. You’ll want to consider additional auto insurance coverages, such as:
Collision coverage
Collision coverage pays for physical damages to your car from a collision or with another vehicle or stationary object like a tree or light pole. Collision also covers damage from rollover accidents or hitting a pothole.
Comprehensive coverage
Comprehensive coverage pays for damages to your car from non-collision events, including theft, vandalism, fire, severe weather events, falling objects, and cracked windshields.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages to your vehicle and injuries to you and your passengers after a collision with a driver who doesn’t have any insurance or who has insufficient coverage.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and driving under the influence (DUI)s are all examples of incidents that can result in higher auto insurance rates for three to five years. Because insurers consider them less risky, Athens drivers with clean driving records usually pay the cheapest rates. But that doesn’t mean drivers with incidents on their records can’t find affordable insurance.
Shop for Car Insurance in Athens, GA
Monthly rates start at $62 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding can cause you to lose control of your car and affects your ability to drive safely, so insurers often charge drivers with speeding tickets higher rates than drivers with clean records.
Athens drivers with speeding violations see average monthly rates of $285 for full coverage and $189 for minimum coverage. Here’s what you can expect to pay for liability auto insurance with a speeding ticket compared to a clean driving record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Auto-Owners
$50
$65
State Farm
$53
$68
COUNTRY Financial
$54
$72
Allstate
$58
$75
USAA
$63
$81
Mile Auto
$65
$85
Progressive
$78
$100
Safeco
$84
$110
GEICO
$87
$113
Mercury
$94
$130
Clearcover
$111
$144
Liberty Mutual
$122
$170
Nationwide
$129
$168
Direct Auto
$130
$169
GAINSCO
$137
$190
AssuranceAmerica
$146
$188
National General
$157
$204
The General
$188
$249
Infinity
$189
$253
Bristol West
$190
$248
Foremost
$214
$298
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you’re responsible for a car accident, insurance companies perceive you as a greater risk and, in turn, charge you higher premiums for several years. Buying accident forgiveness coverage before something happens can help ensure your rates don't increase following your fist at-fault accident.
An at-fault accident pushes average car insurance rates for Athens drivers to $303 per month for full coverage and $201 for liability-only insurance. The data below outlines the average cost of auto insurance if you’re in an accident.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Auto-Owners
$50
$69
State Farm
$53
$72
COUNTRY Financial
$54
$77
Allstate
$58
$80
USAA
$63
$87
Mile Auto
$65
$92
Progressive
$78
$108
Safeco
$84
$115
GEICO
$87
$120
Mercury
$94
$138
Clearcover
$111
$164
Liberty Mutual
$122
$179
Nationwide
$129
$179
Direct Auto
$130
$183
GAINSCO
$137
$181
AssuranceAmerica
$146
$196
National General
$157
$215
The General
$188
$264
Infinity
$189
$255
Bristol West
$190
$261
Foremost
$214
$313
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Insurers see drivers with DUIs as very risky to insure and charge them extremely high rates or refuse to provide coverage altogether. Some insurers could cancel your policy mid-term following a DUI conviction.
Athens drivers with a DUI on their record pay an average of $344 per month for full-coverage car insurance and $228 for liability. The table below highlights liability rates from other affordable insurers for Athens drivers with DUIs.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Auto-Owners
$50
$83
State Farm
$53
$88
COUNTRY Financial
$54
$90
Allstate
$58
$96
USAA
$63
$105
Mile Auto
$65
$108
Progressive
$78
$130
Safeco
$84
$126
GEICO
$87
$145
Mercury
$94
$145
Clearcover
$111
$185
Liberty Mutual
$122
$203
Nationwide
$129
$215
Direct Auto
$130
$216
GAINSCO
$137
$228
AssuranceAmerica
$146
$243
National General
$157
$261
The General
$188
$313
Infinity
$189
$314
Bristol West
$190
$316
Foremost
$214
$356
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age-related factors — like mobility, vision, and cognitive issues — make senior drivers more likely to get into accidents than middle-aged drivers, so they usually pay more expensive premiums. Average rates typically decrease around age 25 and increase again around age 70 due to a higher risk of accidents. Seniors can still lock in affordable coverage with the right insurer, however.
Seniors in Athens pay an average of $106 per month for liability-only car insurance and $160 for full coverage. The table below shows some other cheap auto insurance companies for seniors in Athens.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$38
$61
State Farm
$40
$65
COUNTRY Financial
$43
$69
Allstate
$45
$73
Mile Auto
$48
$81
USAA
$49
$78
Progressive
$55
$97
GEICO
$67
$108
Safeco
$70
$109
Mercury
$73
$120
Clearcover
$94
$167
Nationwide
$94
$151
Direct Auto
$98
$168
Liberty Mutual
$99
$176
AssuranceAmerica
$107
$181
GAINSCO
$112
$220
National General
$116
$175
Infinity
$141
$252
Bristol West
$148
$281
The General
$148
$252
Foremost
$166
$215
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Teen drivers have less driving experience than other age groups, making them more likely to get into accidents, so insurers charge them higher premiums to account for this increased risk. They can save on policies by staying on their parents’ insurance, completing an approved defensive driving course, or taking advantage of good student discounts. Teens younger than 18 can't legally buy their own insurance policies without written consent from a parent or guardian.
Teen drivers in Athens pay an average of $408 per month for full-coverage car insurance and $271 for liability-only policies. The table below shows some of the cheapest monthly car insurance quotes for teens with their own policies in Athens.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
COUNTRY Financial
$86
$138
Auto-Owners
$91
$146
State Farm
$99
$161
Allstate
$112
$182
USAA
$115
$183
Mile Auto
$136
$231
Progressive
$148
$264
GEICO
$152
$244
Safeco
$172
$268
Mercury
$180
$296
Clearcover
$220
$392
Liberty Mutual
$227
$401
Nationwide
$245
$396
GAINSCO
$256
$505
Direct Auto
$257
$439
AssuranceAmerica
$290
$490
The General
$326
$557
National General
$332
$499
Bristol West
$348
$660
Infinity
$367
$654
Foremost
$412
$534
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance Rates in Athens
Insurify partners with 100+ top insurers to show the most real-time quotes
The chart below highlights average rates for drivers of varying credit-based insurance scores in Athens.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Athens?
Compared to the state of Georgia average of $198 per month, Athens drivers pay less for car insurance. However, they pay much more than the national average monthly cost for car insurance of $153.
More cities in Georgia
Factors such as crime rate and population density can affect your premiums. Cities with higher population densities, like Atlanta and Savannah, typically have higher rates than smaller cities, such as Albany and Woodstock. Here’s how the average cost of car insurance in Athens compares to average costs in other Georgia cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Athens car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Athens.
How much is car insurance in Athens?
On average, car insurance in Athens costs $205 per month for full coverage and $136 for liability-only insurance. Your exact premium will depend on factors like your location, driving record, age, gender, and credit history.
Which company has the cheapest car insurance in Athens?
Auto-Owners offers the cheapest car insurance rates in Athens, starting at $50 for liability-only coverage. Athens drivers can also find cheap rates from State Farm and COUNTRY Financial, which have liability rates as low as $53 and $54, respectively.
What are the best car insurance companies in Athens?
Many reliable insurers offer coverage in Athens, but Hugo, Auto-Owners, and State Farm stand out as the best car insurance companies. Auto-Owners and State Farm both have Insurify Quality Scores above 4.0 (out of 5.0), A++ (Superior) financial strength ratings from AM Best, and strong ratings from J.D. Power. Hugo is the best option for infrequent drivers in Athens, offering affordable pay-as-you-drive policies.
How much is the average car insurance per month in Georgia?
Car insurance in Georgia costs an average of $75 per month for car insurance. Drivers can expect to pay $55 for liability coverage and $94 for full coverage.
What’s the minimum car insurance in Georgia?
All Georgia drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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