Athens, GA Car Insurance

What rates can residents of Athens expect to pay for their car insurance? Compared to their surrounding area, how do rates in Athens stack up? What about against the rest of Georgia? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Athens?

Looking at the chart above, you can see it's around $22 a month cheaper to insure your vehicle in Athens than it is in the rest of Georgia.

Compared to the national average cost of auto coverage, Athens has higher rates. The average monthly payment for the rest of the U.S. is about is about $3 cheaper than it is in Athens.

Bear in mind that while these rates are the average costs for Athens residents, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

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, simply enter your ZIP Code below to learn more about rates in your area!

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Athens Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Athens may see their rates creep back up a bit once they hit retirement age.

Athens Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. In Athens, the difference is around $6 per month. Based on the chart above, you can see that female drivers pay around $80 on average, while male drivers typically pay $86 each month.

Athens Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Athens, a driving record with one accident will usually get you a rate around $110 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $96.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Athens Insurance Rates by Vehicle

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Athens, with drivers paying around $77 per month for auto insurance coverage.

Car owners can expect to pay an average of around $85 a month for their policy, while truck and van drivers are usually around $79 to insure each month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Athens, the most expensive vehicles to insure are vehicles four-to-five years old.

Athens Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

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 $21 a month.

Athens Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month more than those who own their own home in Athens. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

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 before shopping for coverage.

The rates for auto insurance in Athens rose from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $70 a month.

How does Athens compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

• Community regulations
• Rate of crime
• Off-street parking availability
• Road safety
• Amount of drivers

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge 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 particular neighborhood.

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.

Don't worry, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Athens in no time.

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Athens Auto 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 gender and age, as well as your credit score, driving record, marital status, and address.

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 parking situations, crime rates, 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?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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?