Cheapest Car Insurance In Athens, GA 2024
At an average of $24 per month for minimum coverage, Auto-Owners is Athens’s most affordable choice for car insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
Scouting for the cheapest car insurance in Athens, GA, shows just how much options can differ.
For drivers aiming for the cheapest liability-only coverage, Auto-Owners is the top choice. On the other hand, Allstate offers the best full coverage rates, and Allstate is the most affordable for young drivers.
Cheapest Car Insurance Companies In Athens, GA
Cheapest Auto Insurance For Young Adults in Athens: Allstate
Allstate has the best insurance rates for young adults in Athens, with monthly premiums averaging $75.
Check the table below to see a comparison of the lowest auto insurance rates available in Athens for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $75 | $899 |
| State Farm | $106 | $1,268 |
| Country Financial | $82 | $980 |
| GEICO | $114 | $1,370 |
| Progressive | $107 | $1,276 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
For seniors in Athens, Auto-Owners’s average rate of $64 per month is the most budget-friendly option.
This table provides average quotes from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $64 | $760 |
| Allstate | $76 | $916 |
| GEICO | $66 | $792 |
| Mercury | $75 | $900 |
| State Farm | $78 | $930 |
Cheapest Rates In Athens For Teenagers: GEICO
Teenage drivers in Athens will find the lowest monthly rates with GEICO, averaging $139.
The table below outlines which companies provide the cheapest insurance for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $139 | $1,660 |
| Progressive | $193 | $2,317 |
| Auto-Owners | $168 | $2,018 |
| Sate Farm | $217 | $2,604 |
| Allstate | $124 | $1,490 |
Cheapest Full Coverage Insurance Rates In Athens: Allstate
For full coverage in Athens, Allstate stands out with the most budget-friendly rates, costing about $71 a month on average.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $71 | $850 |
| GEICO | $73 | $871 |
| Auto-Owners | $60 | $719 |
| State Farm | $84 | $1,004 |
| Country Financial | $57 | $680 |
Cheapest Liability-only Car Insurance In Athens: Auto-Owners
With an average monthly rate of $24, Auto-Owners stands out as the cheapest choice for minimum coverage car insurance in Athens.
The table below provides a rate comparison across several insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $24 | $279 |
| GEICO | $33 | $401 |
| Country Financial | $27 | $320 |
| State Farm | $43 | $521 |
| Allstate | $48 | $571 |
Find affordable Athens rates
Cheapest Car Insurance In Athens After A Speeding Ticket: Auto-Owners
Auto-Owners is one of the most affordable options in Athens, with average premiums of $67 per month for drivers with a speeding violation.
The table below provides a comparison of average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $67 | $804 |
| Allstate | $79 | $950 |
| GEICO | $86 | $1,035 |
| Country Financial | $77 | $926 |
| Progressive | $114 | $1,362 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
With an average rate of $83 per month, Auto-Owners offers the lowest quotes for drivers who have an at-fault incident.
These car insurance companies offer the lowest premiums for drivers with a history of at-fault accidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $83 | $990 |
| Allstate | $95 | $1,135 |
| GEICO | $106 | $1,267 |
| Progressive | $158 | $1,890 |
| State Farm | $104 | $1,242 |
Cheapest Rates In Athens For Drivers After A DUI: Country Financial
Country Financial is the most budget-friendly option for Athens drivers after a DUI, offering average rates of $93 per month.
Below is a table listing the best rates available for drivers in Athens who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $93 | $1,114 |
| Auto-Owners | $119 | $1,422 |
| State Farm | $95 | $1,138 |
| GEICO | $227 | $2,725 |
| Allstate | $95 | $1,140 |
Cheapest Car Insurance In Athens For Good Drivers: Auto-Owners
Good drivers in Athens will find the best rates with Auto-Owners, at an average of $24 a month for car insurance.
The table below lists average quotes from the lowest-cost insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $24 | $279 |
| GEICO | $33 | $401 |
| Country Financial | $27 | $320 |
| State Farm | $43 | $521 |
| Allstate | $48 | $571 |
Best Car Insurance Companies In Athens
The cheapest insurance for drivers in Athens comes from Auto-Owners at $24 per month, with Country Financial at $27 and GEICO at $33 as other affordable options.
Shown below is a list of the 10 best car insurance companies in Athens, GA, organized by average monthly cost.
| Company | Monthly Premium |
| Auto-Owners | $24 |
| GEICO | $33 |
| Country Financial | $27 |
| State Farm | $43 |
| Allstate | $48 |
| Progressive | $37 |
| Mercury | $32 |
| SAFECO | $86 |
| Farm Bureau | $107 |
| Clear Cover | $140 |
Average Rates In Athens – By Vehicle
The type of vehicle you drive greatly influences your car insurance costs. Insurers look at factors such as the car’s make, model, year, and body style. Generally, newer cars, particularly luxury ones that have advanced technology and higher replacement costs, often result in higher premiums.
Check the table below for average rates in Athens for a variety of vehicles.
| Vehicle | Average Monthly Rate |
| Ford Ecosport | $99 |
| Dodge Journey | $149 |
| Kia Sportage | $93 |
| Dodge Ram 1500 | $207 |
| Kia Forte | $355 |
Average Auto Insurance Rates In Athens – By Age
Insurance companies consider age a critical factor in rate calculations, with younger drivers seeing higher costs because of their inexperience and a greater chance of accidents. Teenagers can typically expect to pay approximately $4,869 annually for car insurance.
For drivers who stay accident-free, insurance costs tend to go down around age 25.
Drivers in their 50s and early 60s often see the lowest insurance rates, with age serving as a key measure for insurers to assess risk and driving history, affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $4,869 |
| 20s | $2,492 |
| 30s | $1,597 |
| 40s | $1,419 |
| 50s | $1,355 |
| 60s | $1,424 |
| 70s | $1,641 |
Average Cost Of Auto Insurance In Athens – By Zip Code
Since zip codes help insurance companies determine crime rates in various locations, this results in differing car insurance rates for each zip code.
Check the table below for average insurance rates corresponding to different zip codes in Athens.
| Zip Code | Average Monthly Rate |
| 30605 | $157 |
| 30549 | $203 |
| 30655 | $135 |
| 30609 | $146 |
| 30601 | $148 |
How Much Is Car Insurance For Other Cities In Georgia?
The location of your residence plays a crucial role in shaping your car insurance rates. Insurance providers evaluate various location-based factors, including the risk of accidents, vehicle theft, and vandalism, which are typically higher in urban areas. This elevated risk often translates to higher premiums.
To illustrate, car insurance costs around $195 a month for drivers in Atlanta, compared to an average of $120 per month for those living in Valdosta.
| City | Average Monthly Rate |
| Norcross | $180 |
| Macon | $160 |
| Albany | $137 |
| Atlanta | $195 |
| Columbus | $153 |
| Augusta | $147 |
| Newnan | $152 |
| Savannah | $158 |
| Valdosta | $120 |
| Warner Robins | $147 |
Find affordable Athens rates
Our Methodology
Through a comprehensive analysis that looks at factors such as customer service ratings, available products, pricing, and extensive reviews from users on various online platforms, I have put together a detailed assessment of car insurance companies in Athens, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Athens?
For minimum coverage as mandated by Georgia, Auto-Owners offers the lowest car insurance rates in Athens, while Allstate provides the most competitive pricing for full coverage, which consists of both comprehensive and collision coverage.
What is the average cost of car insurance in Athens?
Athens’s average cost for car insurance is roughly $140 per month, although your specific rate may vary due to factors like your zip code, the model and year of your vehicle, and your driving record.
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