Athens, AL Car Insurance

The average cost for car insurance in Athens is about $49 a month. To learn more about policy rates and coverage in the Athens area, continue reading our guide below.
How does Athens stack up to the rest of the area, or even Alabama as a whole? What rates should residents of Athens expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Athens?

Area Average Monthly Car Insurance Premium
Athens$49
AL$52
United States$80

Looking at the chart above, you can see that the average monthly price in Athens is in line with pricing for the rest of Alabama.

Drivers relocating from out of state may enjoy some cost savings in Athens. On average, it's about $31 less to insure your vehicle in Athens than it is in the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Athens, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rates for Athens residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$51
35-44$41
45-54$41
55-64$36
65+$39

Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Athens.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$46

In general, car insurance rates for women are usually cheaper than they are for men. The difference in Athens is about $6 a month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$85
1 Ticket$68
Multiple Tickets$87

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Athens, having a single accident on your record will usually get you rates around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $68.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$42
2-3 Years$43
4-5 Years$38
6-7 Years$38
8-10 Years$48
11-14 Years$54
15 Years or Older$47

In terms of affordable coverage, the cheapest vehicles to insure in Athens are by and large cars, at $48 per month.

SUV owners will see rates of about $49, while truck and van owners typically pay around $53 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Athens are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$52
Married$41
Divorced$42
Widowed$38

Overall, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Athens reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$48
Live with parents$77

Another factor that comes into play is your living situation. In Athens, homeowners can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Athens, AL

Recent trends in car insurance for Athens drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Athens, the rates for auto insurance have been steadily increasing, reaching a high of $61 in 2021.

How does Athens compare to neighboring areas?

Why are car insurance rates in Athens different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Amount of off-street parking
  • Rate of crime
  • Number of drivers in the region
  • Laws
  • Road Safety (total number of local car accidents)

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Athens?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Athens.

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Athens Insurance FAQs

What factors affect car insurance quotes in Athens?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Athens different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Athens?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Athens?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Athens or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes