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.
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Cheapest recent rates near Athens, Georgia
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $66/mo for full coverage in Athens and other Georgia cities.
*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on April 22, 2024
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 April 22, 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 April 22, 2024
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 April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Athens can expect to pay an average of $178 per month for car insurance. The city’s rates are less than Georgia’s average of $193 but higher than the national average of $158 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
Hugo, Auto-Owners, and State Farm 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-five 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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
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.
$52/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.
$58/mo
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.
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
Ronald - March 8, 2024
Verified
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$60/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.
$87/mo
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
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$65/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.
$94/mo
State Farm 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.
Check out other companies and their rates before making a decision.
Perry - April 22, 2024
Verified
Pricing
Be careful of the price quoted. It can change.
Sandra - April 21, 2024
Verified
Fair
They are the cheapest car insurance around.
…
Find Cheap Car Insurance in Athens, Georgia
Rates start at $52 per month for liability coverage
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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 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: Hugo
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 Hugo, with an average premium of $52 per month. The table below outlines the cheapest liability-only policies for drivers in Athens.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Hugo
52
Auto-Owners
60
State Farm
65
COUNTRY Financial
66
Allstate
71
Mile Auto
71
USAA
76
Progressive
88
Safeco
95
Mercury
100
GEICO
105
State Auto
105
Clearcover
107
National General
122
Liberty Mutual
123
AssuranceAmerica
125
Elephant
128
Direct Auto
131
GAINSCO
141
Midvale Home & Auto
153
Nationwide
157
Infinity
176
The General
195
Bristol West
216
Foremost
232
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: Hugo
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 Hugo, with an average cost of $58 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Hugo
58
Auto-Owners
87
State Farm
94
COUNTRY Financial
95
Allstate
103
USAA
109
Mile Auto
114
Progressive
140
Travelers
144
GEICO
152
Mercury
164
Safeco
165
Elephant
179
State Auto
190
Clearcover
192
AssuranceAmerica
212
Midvale Home & Auto
213
Liberty Mutual
214
Direct Auto
220
Nationwide
223
National General
253
Foremost
275
GAINSCO
286
Infinity
317
The General
325
Bristol West
409
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.
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 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 object.
Comprehensive coverage
Comprehensive coverage pays for damages to your car from non-collision events, including theft, falling objects, vandalism, and fire.
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 sufficient insurance 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. 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 $70 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Hugo
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.
The cheapest insurer for drivers with a speeding ticket in Athens is Hugo, with an average cost of $74 per month. Here’s what you can expect to pay for auto insurance with a speeding ticket compared to a clean driving record.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo
52
74
Auto-Owners
60
80
State Farm
65
83
COUNTRY Financial
66
87
Allstate
71
92
Mile Auto
71
102
USAA
76
98
Progressive
88
119
Safeco
95
133
Mercury
100
149
GEICO
105
136
Clearcover
107
149
National General
122
159
Liberty Mutual
123
171
AssuranceAmerica
125
173
Elephant
128
167
Direct Auto
131
175
GAINSCO
141
178
Nationwide
157
205
Infinity
176
235
The General
195
262
Bristol West
216
285
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: Hugo
If you’re responsible for a car accident, insurance companies perceive you as a greater risk and, in turn, charge you higher premiums.
Hugo has the cheapest rates for Athens drivers with at-fault accidents on their records: $71 per month for liability-only coverage. 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Hugo
52
71
Auto-Owners
60
83
State Farm
65
88
COUNTRY Financial
66
94
Allstate
71
97
Mile Auto
71
108
USAA
76
104
Progressive
88
125
Safeco
95
142
Mercury
100
156
GEICO
105
144
Clearcover
107
174
National General
122
170
Liberty Mutual
123
181
AssuranceAmerica
125
178
Elephant
128
177
Direct Auto
131
185
GAINSCO
141
190
Nationwide
157
217
Infinity
176
232
The General
195
276
Bristol West
216
296
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: Hugo
Insurers see drivers with DUIs as very risky to insure and charge them extremely high rates or refuse to provide coverage altogether.
Athens drivers with a DUI on their record pay an overall average of $304 per month for car insurance. You’ll find the cheapest rates with Hugo. The table below highlights other affordable insurers for Athens drivers with DUIs.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Hugo
52
78
Auto-Owners
60
98
State Farm
65
106
COUNTRY Financial
66
108
Allstate
71
116
Mile Auto
71
120
USAA
76
124
Progressive
88
143
Safeco
95
155
Mercury
100
167
GEICO
105
171
Clearcover
107
174
National General
122
199
Liberty Mutual
123
200
AssuranceAmerica
125
204
Elephant
128
208
Direct Auto
131
213
GAINSCO
141
230
Nationwide
157
256
Infinity
176
287
The General
195
318
Bristol West
216
352
Foremost
232
378
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 35 and increase again around age 70. Seniors can still lock in affordable coverage with the right insurer, however.
Seniors in Athens pay an average of $138 per month for car insurance. Auto-Owners offers the cheapest rates in the city. The table below shows some other cheap auto insurance companies for seniors in Athens.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
46
67
State Farm
49
71
COUNTRY Financial
52
75
Mile Auto
53
85
Allstate
56
81
USAA
59
85
Progressive
62
98
Mercury
79
130
Safeco
79
137
GEICO
81
117
AssuranceAmerica
90
153
National General
96
199
Clearcover
97
174
Direct Auto
98
165
Elephant
98
137
Liberty Mutual
98
171
GAINSCO
113
229
Nationwide
115
163
The General
155
258
Bristol West
169
319
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: Hugo
Teen drivers have little road experience, 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.
Teen drivers in Athens pay an average of $318 per month for car insurance. They’ll find the cheapest rates from Hugo. The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Athens.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
COUNTRY Financial
94
135
Hugo
94
105
Auto-Owners
100
145
State Farm
112
162
Allstate
125
182
USAA
126
181
Mile Auto
137
220
Progressive
159
252
GEICO
166
241
Safeco
170
296
Mercury
184
302
Clearcover
192
344
Liberty Mutual
208
362
Elephant
213
297
National General
233
482
Direct Auto
240
403
AssuranceAmerica
241
409
GAINSCO
253
514
Nationwide
270
383
Infinity
297
535
The General
313
522
Bristol West
361
683
Foremost
416
493
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 $193 per month, Athens drivers pay less for car insurance. However, they pay much more than the national average monthly cost for car insurance of $158.
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 $223 per month for full coverage and $133 for liability-only insurance. Your exact premium will depend on factors like your location, driving record, age, gender, and credit score.
Which company has the cheapest car insurance in Athens?
Hugo offers the cheapest car insurance rates in Athens, starting at $52 for liability-only coverage. Athens drivers can also find cheap rates from Auto-Owners and State Farm, which have liability rates as low as $60 and $65, 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) and strong ratings from AM Best and 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 $82 per month for car insurance. Drivers can expect to pay $56 for liability coverage and $108 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.
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Auto-Owners
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