Athens, GA Car Insurance

On average, drivers in Athens pay around $81 per month for their car insurance. To learn more about policy rates and coverage in the Athens area, continue reading our guide below.
What should residents of Athens expect to pay for their car insurance? How does Athens compare to the surrounding area and the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Athens?

Area Average Monthly Car Insurance Premium
Athens$81
GA$103
United States$80

According to the chart above, the average cost of auto insurance in Georgia is about $22 a month more expensive than it is in Athens.

On the other hand, the expected monthly payments for an auto insurance policy in Athens are above the national average. It's about $1 more expensive for coverage in Athens than the average rates for the U.S. as a whole.

Although these are the average car insurance rates in Athens, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down average rates for Athens to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$117
25-34$75
35-44$69
45-54$62
55-64$61
65+$69

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $48 more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may creep back up in Athens.

Average Car Insurance Rates by Gender

Gender Average
Male$83
Female$80

Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for car insurance in Athens, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$115
Multiple Accidents$124
1 Ticket$107
Multiple Tickets$148

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Athens, a driving record with a single accident will usually get you a rate around $107 a month. In addition, drivers with one ticket can expect to pay around $115 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$74
4-5 Years$103
6-7 Years$82
8-10 Years$82
11-14 Years$81
15 Years or Older$79

In terms of affordable coverage, the cheapest vehicles to insure in Athens are typically trucks and vans, at $71 per month.

Car owners, on the other hand, by and large pay around $84 a month, while SUV drivers can expect to pay about $76 per month for insurance coverage.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Athens, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$86
Married$66
Divorced$63
Widowed$71

More often than not, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Athens is no exception, with the difference totaling to around $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$77
Rent$82
Live with parents$125

Another factor taken into consideration is your housing situation. Renters can expect to pay around $5 a month more than homeowners in Athens. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Athens, GA

Recent trends in car insurance for Athens drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for car insurance in Athens had been increasing from 2016-2018, before leveling out in 2019. Policy premiums have been increasing again recently, and were up to $117 in 2021.

How does Athens compare to neighboring areas?

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

There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Community laws
  • Total number of drivers in the area
  • Amount of off-street parking
  • Road Safety (total number of local car accidents)
  • Local crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Athens?

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

Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Athens.

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Athens Insurance FAQs

What factors affect car insurance quotes in Athens?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Athens or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes