Cheapest Auto Insurance in Athens, Georgia (2026)
Auto-Owners offers the cheapest car insurance in Athens, with minimum-coverage policies as low as $62 per month.
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Courtney Washington
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Danny SmithInsurance Writer
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
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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 $209 but higher than the national average of $142 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Hugo | 6.3 | N/A | $269 | Affordability |
| Auto-Owners | 8.2 | $133 | $73 | Students |
| State Farm | 9.3 | $142 | $78 | Families |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens 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.
Best insurer for affordability: Hugo
| User Reviews | 4.6 |
|---|---|
| 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. | 6.3 /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. | $269/mo |
4.6
Best choiceBased on 222 verified driver reviews and ratings
Hugo's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 70 Hugo reviews
Verified Purchase
Reviewed in Texas on May 16, 2026
Great and quick service!
Verified Purchase
Reviewed in Kentucky on May 4, 2026
Wonderful, best decision I ever made.
Verified Purchase
Reviewed in Alabama on April 24, 2026
It's the thought of knowing you are covered and still saving your wallet.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedA.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).
NRWhy 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.
Pros
Short-term policies available
Flexible, pay-as-you-go insurance
Cons
Limited additional coverage available
Not an option for financed or leased vehicles
Best insurer for students: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $62/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. | $113/mo |
4.3
Best choiceBased on 337 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Online claims submission not available
Best insurer for families: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $66/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. | $121/mo |
4.0
Best choiceBased on 18,033 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Georgia reviews for Athens driversSee all 7,541 State Farm reviews
Verified Review
Reviewed in Georgia on May 10, 2026
Mediocre. Everyone strives to provide subpar coverage for the most expensive premium. They won't take their time to customize the policy based on your needs (state mandates) and budget.
Verified Review
Reviewed in Georgia on May 2, 2026
I've never had to use it, but they more than doubled the cost in one year.
Verified Review
Reviewed in Georgia on April 30, 2026
No personal contact. Customer service is fair. Good insurance coverage. Too expensive. You have to understand the "insurance" business and determine what coverage you need on your own. It's frustrating when trying to obtain information. The agent is never available. You always have to talk to staff and never speak to any person twice.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 $62 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:
Apply for discounts. Auto insurance companies typically offer several discounts that can help you save money on a policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance policies. If you bundle your car insurance with homeowners, renters, or even life insurance, you could land a discount on your coverage.
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 $62 per month. The table below outlines the cheapest liability-only policies for drivers in Athens.
The below rates in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $62 |
| State Farm | $66 |
| Country Financial | $68 |
| Allstate | $73 |
| Mile Auto | $75 |
| USAA | $78 |
| Progressive | $96 |
| Mercury | $105 |
| Root | $123 |
| Bristol West | $125 |
| GEICO | $126 |
| GAINSCO | $129 |
| Clearcover | $130 |
| Direct Auto | $132 |
| The General | $141 |
| AssuranceAmerica | $143 |
| National General | $149 |
| Safeco | $152 |
| Trexis One | $152 |
| Mendota | $157 |
| Nationwide | $161 |
| First Acceptance | $164 |
| Trexis | $167 |
| Liberty Mutual | $269 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens 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 $113 per month. Here’s a look at the cheapest full-coverage car insurance rates in Athens.
The below rates in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $113 |
| State Farm | $121 |
| Country Financial | $123 |
| Mile Auto | $129 |
| Allstate | $133 |
| USAA | $141 |
| Mercury | $179 |
| Root | $188 |
| Progressive | $192 |
| Safeco | $201 |
| Direct Auto | $229 |
| National General | $233 |
| AssuranceAmerica | $236 |
| Clearcover | $236 |
| GEICO | $238 |
| Bristol West | $250 |
| GAINSCO | $266 |
| Mendota | $284 |
| Trexis One | $290 |
| Nationwide | $293 |
| The General | $298 |
| Trexis | $315 |
| First Acceptance | $318 |
| Liberty Mutual | $323 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Athens, Georgia drivers
Recent Athens, Georgia car insurance prices for Mazda, Hyundai, Nissan, and more.
*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 14, 2026. 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 May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 14, 2026. 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]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per incident |
| Property damage liability | $25,000 per incident |
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 $79 for drivers with an incident
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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 $283 for full coverage and $164 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 in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $62 | $81 |
| State Farm | $66 | $84 |
| Mile Auto | $75 | $91 |
| Country Financial | $68 | $92 |
| Allstate | $73 | $95 |
| USAA | $78 | $101 |
| Progressive | $96 | $121 |
| Mercury | $105 | $146 |
| GAINSCO | $129 | $155 |
| Bristol West | $125 | $158 |
| Root | $123 | $164 |
| GEICO | $126 | $165 |
| Direct Auto | $132 | $166 |
| Clearcover | $130 | $166 |
| AssuranceAmerica | $143 | $183 |
| National General | $149 | $186 |
| The General | $141 | $189 |
| Trexis One | $152 | $191 |
| Mendota | $157 | $197 |
| Safeco | $152 | $200 |
| First Acceptance | $164 | $206 |
| Nationwide | $161 | $209 |
| Trexis | $167 | $210 |
| Liberty Mutual | $269 | $344 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens 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 $310 per month for full coverage and $179 for liability-only insurance. The data below outlines the average cost of auto insurance if you’re in an accident.
The below rates in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $62 | $84 |
| State Farm | $66 | $89 |
| Country Financial | $68 | $95 |
| Allstate | $73 | $100 |
| Mile Auto | $75 | $103 |
| USAA | $78 | $107 |
| Progressive | $96 | $132 |
| Mercury | $105 | $160 |
| Bristol West | $125 | $169 |
| Root | $123 | $169 |
| GAINSCO | $129 | $169 |
| GEICO | $126 | $169 |
| Direct Auto | $132 | $184 |
| Clearcover | $130 | $189 |
| AssuranceAmerica | $143 | $194 |
| The General | $141 | $198 |
| National General | $149 | $203 |
| Trexis One | $152 | $209 |
| Safeco | $152 | $216 |
| Mendota | $157 | $216 |
| Nationwide | $161 | $222 |
| First Acceptance | $164 | $226 |
| Trexis | $167 | $230 |
| Liberty Mutual | $269 | $365 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens 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 $273 per month for full-coverage car insurance and $158 for liability. The table below highlights liability rates from other affordable insurers for Athens drivers with DUIs.
The below rates in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $62 | $82 |
| State Farm | $66 | $88 |
| Country Financial | $68 | $88 |
| Allstate | $73 | $97 |
| Mile Auto | $75 | $100 |
| USAA | $78 | $104 |
| Progressive | $96 | $117 |
| Mercury | $105 | $148 |
| Root | $123 | $165 |
| GEICO | $126 | $166 |
| Bristol West | $125 | $166 |
| GAINSCO | $129 | $171 |
| Clearcover | $130 | $173 |
| Direct Auto | $132 | $175 |
| The General | $141 | $180 |
| Trexis One | $152 | $185 |
| AssuranceAmerica | $143 | $190 |
| Mendota | $157 | $191 |
| National General | $149 | $198 |
| First Acceptance | $164 | $199 |
| Trexis | $167 | $203 |
| Nationwide | $161 | $214 |
| Safeco | $152 | $215 |
| Liberty Mutual | $269 | $357 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens 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 $117 per month for liability-only car insurance and $202 for full coverage. The table below shows some other cheap auto insurance companies for seniors in Athens.
The below rates in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $50 | $91 |
| State Farm | $53 | $97 |
| Country Financial | $55 | $100 |
| Mile Auto | $60 | $104 |
| Allstate | $61 | $110 |
| USAA | $65 | $117 |
| Mercury | $85 | $145 |
| Progressive | $86 | $173 |
| GEICO | $102 | $193 |
| Root | $105 | $160 |
| Bristol West | $107 | $213 |
| Direct Auto | $111 | $192 |
| GAINSCO | $113 | $232 |
| AssuranceAmerica | $115 | $189 |
| Clearcover | $117 | $213 |
| National General | $120 | $187 |
| The General | $123 | $259 |
| Nationwide | $126 | $229 |
| Safeco | $135 | $179 |
| Trexis One | $137 | $261 |
| Mendota | $141 | $255 |
| First Acceptance | $147 | $286 |
| Trexis | $150 | $283 |
| Liberty Mutual | $228 | $274 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
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 $391 per month for full-coverage car insurance and $226 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 in Athens, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Country Financial | $107 | $193 |
| Auto-Owners | $124 | $226 |
| State Farm | $126 | $230 |
| USAA | $141 | $255 |
| Allstate | $142 | $258 |
| Mile Auto | $152 | $261 |
| Progressive | $167 | $333 |
| Mercury | $188 | $321 |
| Clearcover | $208 | $378 |
| Root | $209 | $319 |
| Bristol West | $217 | $434 |
| GEICO | $223 | $421 |
| GAINSCO | $225 | $464 |
| The General | $248 | $524 |
| Direct Auto | $251 | $436 |
| Trexis One | $264 | $504 |
| Mendota | $273 | $493 |
| First Acceptance | $285 | $552 |
| Trexis | $290 | $547 |
| AssuranceAmerica | $291 | $480 |
| National General | $292 | $457 |
| Safeco | $303 | $400 |
| Nationwide | $308 | $561 |
| Liberty Mutual | $461 | $553 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens may vary based on the policy buyer's unique driver profile.
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Athens car insurance quotes by credit tier
Georgia allows insurance companies to consider your credit-based insurance score when determining car insurance premiums. Insurers view drivers with good to excellent credit as less risky than drivers with bad credit and charge them cheaper premiums.[3]
The chart below highlights average rates for drivers of varying credit-based insurance scores in Athens.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $177 |
| Good | $209 |
| Fair | $230 |
| Poor | $357 |
Is car insurance more expensive in Athens?
Compared to the state of Georgia average of $209 per month, Athens drivers pay less for car insurance. However, they pay much more than the national average monthly cost for car insurance of $142.
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.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Albany | $131 | $251 |
| Atlanta | $222 | $347 |
| Columbus | $140 | $240 |
| Dallas | $186 | $285 |
| Gainesville | $147 | $240 |
| Lawrenceville | $198 | $303 |
| Marietta | $187 | $280 |
| Savannah | $173 | $287 |
| Valdosta | $111 | $184 |
| Woodstock | $165 | $251 |
Disclaimer: Table data sourced from real-time Athens car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Athens 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 $225 per month for full coverage and $130 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 $62 for liability-only coverage. Athens drivers can also find cheap rates from State Farm and Country Financial, which have liability rates as low as $66 and $68, 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 $92 per month for car insurance. Drivers can expect to pay $69 for liability coverage and $115 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.
Sources
- World Population Review. "Georgia Cities by Population (2023)."
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Written byCourtney Washington
Courtney Washington
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert