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Cheap Auto Insurance Quotes in Athens, GA (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Athens is $212 per month, or $2544 annually.
  • Car insurance in Athens is $35 less than the average cost of car insurance in Georgia.
  • The cheapest car insurance provider in Athens on average is Progressive, but you should always compare quotes to find your best personal rate.

Car Insurance in Athens, GA

The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Athens, GA to find you the cheapest quotes in the area.

Quotes by Top Companies

Progressive
$108
Travelers
$126
Allstate
$131
The General
$165
American Family
$172

Cheapest Car Insurance in Athens, GA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in AthensQuotes
Progressive$108 /mo
Travelers$126 /mo
Allstate$131 /mo
The General$165 /mo
American Family$172 /mo

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Average Car Insurance Cost

Georgia Cities
Atlanta$226/mo
Columbus$176/mo
Savannah$207/mo
Augusta$185/mo
Athens$166/mo
Georgia$192/mo
Athens
$166
Columbus
$176
Augusta
$185
Average for GA
$192
Savannah
$207
Atlanta
$226
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in GA

Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.

Georgia's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Find local Athens agents

  • Johnson Insurance Services, Inc.

    250 Gaines School Rd,
    Athens, GA 30605-3120
  • Boswell Insurance Group

    788 Prince Ave,
    Athens, GA 30606-5902
  • AIC Insuring America

    3021 Atlanta Highway,
    Athens, GA 30606-3388
  • Chastain & Associates Insurance Agency, Inc.

    272 W Hancock Ave,
    Athens, GA 30601-4552
  • Advantage Insurance

    3724 Atlanta Highway,
    Athens, GA 30606-1863
  • Doherty, Duggan, Hart and Tiernan Insurors - Branch in Athens

    345 W. Hancock St.,
    Athens, GA 30601
  • Chasteen Insurance Agency

    1030 Mitchell Bridge Rd Ste 100,
    Athens, GA 30606-1926
  • KC Dean & Company dba Physicians Insurance Services

    1181 Hearthstone Way,
    Athens, GA 30606-4739
  • McGriff Insurance Services - Athens

    1071 Founders Blvd.,
    Athens, GA 30606-6176
  • The Hamilton Agency

    780 US-29,
    Athens, GA 30601
View more

FAQs - Athens, GA Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Athens Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Athens, Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Athens drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Athens

#7

City with the Most Speeding Tickets Rank in Georgia

#76

City with the Most Moving Violations Rank in Georgia

#1

City with the Most DUIs Rank in Georgia

#39

City with the Most Suspended Licenses in Georgia

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Athens drivers rank 49 in the number of car accidents per driver across all cities in Georgia.

    • Rank within state: #49
    • Percent of drivers in Athens with an accident: 12.38%
    • Drivers in Athens, GA with an accident in their driving history pay on average 37.68% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Athens drivers rank 7 in the number of speeding infractions per driver.

    • Rank within state: #7
    • Percent of drivers in Athens with a speeding ticket: 14.03%
    • Drivers in Athens, GA with a speeding ticket in their driving history pay on average 35.27% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Athens drivers rank 1 in the number of DUI’s per driver across all cities in Georgia.

    • Rank within state: #1
    • Percent of drivers in Athens with a DUI: 1.9%
    • Drivers in Athens, GA with a DUI in their driving history pay on average 11.59% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Athens is the Honda Accord.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Athens drivers rank 45 in rude driving infractions.

    • Rank within state: #45
    • Percent of drivers in Athens with a reckless driving violation: 3.69%
    • Drivers in Athens, GA with a reckless driving violation in their driving history pay on average 33.33% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Athens drivers rank 69 in clean driving records across all cities in Georgia.

    • Rank within state: #69
    • Percent of drivers in Athens with clean record: 75.23%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Athens drivers rank 60 in failure to yield violations per driver across all cities in Georgia.

    • Rank within state: #60
    • Percent of drivers in Athens with a failure to yield violation: 0.61%
    • Drivers in Athens, GA with a failure to yield violation in their driving history pay on average 900% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Athens drivers rank 17 in the number of reckless driving offenses per driver.

    • Rank within state: #17
    • Percent of drivers in Athens with a reckless driving offense: 0.22%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Athens drivers rank 63 in hybrid and electric vehicle ownership across all cities in Georgia.

    • Rank within state: #63
    • Percent of drivers in Athens with a hybrid/electric vehicle: 0.6%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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