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How much is car insurance in Athens?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Athens are on par with what you would pay anywhere else in Alabama.
Likewise, car insurance rates in Athens are more affordable than the national average. The average monthly payment in Athens is about $31 less than the rate for the rest of the United States.
While these are the average car insurance rates for Athens, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Athens and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to increase again in Athens.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Athens, the difference comes out to about $5 per month. Looking at the table above, you can see that female drivers pay around $48 on average, while male drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Athens with one accident will pay around $69 a month. Similarly, drivers with one ticket will typically pay around $65 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$47|
As you can see in the first table above, the cheapest vehicles to insure in Athens are typically cars, which run about $49 per month.
Truck and van drivers will see rates of about $54, while the rates for SUV owners average out to about $50 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Athens, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
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 $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $3 a month more than drivers who own property in Athens. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Athens, AL
Recent trends in car insurance for Athens drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Athens rose from 2017-2018, before steadying out in 2019. Policy premiums had been increasing again recently, hitting a high of $62 in 2022.
How does Athens compare to neighboring areas?
Why are car insurance rates in Athens different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Off-street parking accessibility
- Amount of drivers in the area
- Area laws
- Road Safety (how many accidents each locality has)
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Athens?
While knowing 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.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Athens.
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Athens Insurance FAQs
What factors affect car insurance quotes in Athens?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Athens different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Athens or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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