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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Athens’ car insurance rates fall below the Georgia state average, but the city’s rates are still above the national average, according to Compare.com data. The citywide average premium in Athens is $168 per month.
If you’re shopping for car insurance, it literally pays to compare quotes. Athens drivers can pay far less by choosing budget-friendly insurers like Auto-Owners, COUNTRY Financial, or State Farm. The cheapest liability rate is $51 per month.
In this article, we’ll break down the cheapest car insurance companies in Athens for a wide range of drivers, including teens, seniors, and drivers with tickets. Plus, we offer guidance on how to choose the right insurer and practical tips to help you save more on your monthly premium.
Auto-Owners offers the cheapest rate, at just $51 per month.
Athens drivers pay an average of $136 per month for liability insurance and $199 for full-coverage insurance.
Georgia requires drivers to have at least 25/50/25 in liability coverage.
No matter the average rate in Athens, you can always find ways to save money on car insurance. It’s a good idea to work with an insurer known for affordable rates. Many companies offer competitive prices for Athens drivers, so the right fit will depend on your insurance needs and driving profile.
The table below highlights the cheapest car insurance companies in Athens, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $51 |
| COUNTRY Financial | $55 |
| State Farm | $55 |
| Allstate | $60 |
| USAA | $65 |
| Mile Auto | $66 |
| Progressive | $82 |
| GEICO | $89 |
| Mercury | $97 |
| Clearcover | $108 |
| Root | $112 |
| Safeco | $124 |
| Direct Auto | $132 |
| Nationwide | $133 |
| GAINSCO | $135 |
| Liberty Mutual | $138 |
| AssuranceAmerica | $160 |
| National General | $163 |
| Bristol West | $181 |
| The General | $187 |
| Infinity | $195 |
| Foremost | $215 |
The cheapest car insurance company in Athens is Auto-Owners, with an average monthly premium of $51.
Next, we’ll explore how prices vary for different types of drivers — including teens, seniors, and drivers with violations — making it easier to identify the best car insurance companies for you.
Get personalized quotes from top insurers and save money today.
The car insurance companies above are a great starting point, but your rates may vary significantly depending on your age, driving history, and other important factors. Different insurers might be cheaper depending on how the company evaluates each factor.
Below, we’ve compiled the cheapest insurers for several common driver profiles and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $51 |
| Full coverage | Auto-Owners | $80 |
| Teens | COUNTRY Financial | $82 |
| Seniors | Auto-Owners | $41 |
| Drivers with a speeding ticket | Auto-Owners | $63 |
| Drivers with an at-fault accident | Auto-Owners | $66 |
| Drivers with a DUI | Auto-Owners | $69 |
| Drivers with excellent credit | Auto-Owners | $43 |
| Drivers with poor credit | COUNTRY Financial | $67 |
We break down the cheapest companies for each of these groups in the sections below.
The average cost of state-minimum coverage in Athens is $136 per month, according to Compare.com data.
While state-minimum policies are typically the cheapest option, they only offer limited liability protection, and most experts recommend increasing coverage limits to protect you financially after major accidents.[1]
The chart below shows the five most affordable insurers in Athens for state-minimum coverage, based on Compare.com’s research.
Full coverage provides broader insurance protection than state-minimum coverage, usually including liability, collision, and comprehensive coverage. It’s a smart choice for most drivers, especially if you have a newer vehicle. If you lease or finance your car, your lender will likely require full coverage as well.
The average full-coverage insurance policy in Athens costs $199 per month. While premiums are higher than minimum coverage, several insurers offer full coverage for close to the average liability price.
The following five companies offer the lowest full-coverage rates in Athens, according to Compare.com data.
Teen drivers typically face the highest insurance rates of any age group. In fact, teens are nearly three times more likely to crash than older drivers, according to the Insurance Institute for Highway Safety (IIHS).[2] Higher crash rates make them a high-risk group for insurers. But young drivers are also excellent candidates for driver safety courses, which might qualify them for a discount on coverage.
In Athens, the average car insurance premium for a teen is $302 per month, according to our data. Still, shopping around can help you save hundreds if you compare quotes from the companies listed below.
Here are the five cheapest auto insurance companies in Athens for teen drivers, according to data from Compare.com.
Senior drivers often benefit from lower car insurance premiums thanks to their typically safer driving habits, such as driving fewer miles and avoiding the roads during unsafe conditions.[3] Drivers ages 65 to 74 get into fewer fatal crashes than younger age groups, according to the National Safety Council.[4]
In Athens, the average car insurance rate for drivers in their 60s is $143 per month, according to our data. But you may be able to lock in an even better deal with one of the five companies listed below.
Getting a speeding ticket or other minor moving violation can raise your insurance premiums. Our research shows that nationally, a single speeding ticket can increase rates by an average of 29%. Insurance companies view tickets as a sign of risky driving, leading to rate hikes when your policy renews.
The average rate for drivers with a recent ticket in Athens is $205 per month, according to our data.
Even so, several companies offer competitive pricing. The chart below shows the five cheapest insurers in Athens for drivers with a recent ticket, according to Compare.com data.
An at-fault accident can lead to a significant spike in your premiums, usually lasting for three to five years. Insurers often view this as a red flag for future car insurance claims. A single accident raises national rates by 33% on average, according to our research.
Our research shows that the average rate for drivers with a recent at-fault accident in Athens is $223.
Fortunately, some companies are more forgiving than others. Here are the five cheapest auto insurance companies for Athens drivers with recent accidents, according to Compare.com data.
A DUI conviction can trigger the highest rate increase. Car insurance companies view DUIs as a serious risk factor and will adjust your premiums accordingly, or may even decline coverage altogether. Our data reveals premiums increase by an average of 58% after a DUI and can remain elevated for years.
In Athens, drivers with a DUI pay an average of $208 per month, according to our data. But you still have options despite having a DUI on your record.
The chart below shows the five cheapest insurers in Athens for drivers with a DUI.
Many car insurance companies factor your credit history into premium calculations. Unfortunately, poor credit can lead to significantly higher premiums, and insurers consider it a key indicator of financial responsibility and risk.
Our research shows that drivers with poor credit pay 38% more on average than drivers with excellent credit. On average, Athens drivers with poor credit pay $210 per month for coverage.
That said, not all insurers weigh credit equally. The chart below shows the five most affordable companies in Athens for drivers with bad credit, according to Compare.com data.
Compare quotes side by side and lock in cheaper rates.
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Like nearly every U.S. state, Georgia law requires all drivers to have a minimum amount of car insurance to legally operate a vehicle. Here’s what the state requires:[5]
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
Uninsured motorist coverage is optional, but insurers must offer it. Drivers can reject it in writing.[6] Georgia is also an at-fault state, meaning the driver who causes the accident is financially responsible for any damages or injuries, so you should consider higher liability limits for greater protection.
Most insurance experts recommend buying more than Georgia’s minimum coverage, especially since $25,000 may not fully cover medical bills or vehicle repairs after a serious crash. For example, a multi-car pileup or serious injury claim can easily exceed the state’s minimum liability limits, leaving you personally responsible for the rest.
Lowering your car insurance costs by raising your deductibles, leveraging discounts, and shopping around is far more effective than sacrificing coverage options.
If you still have questions about car insurance in Athens, we’ve answered some of the most common questions local drivers ask when shopping for cheap coverage.
The average monthly cost for auto coverage in Athens is $168 according to Compare.com data. Liability insurance costs $136, while full coverage costs an average of $199 per month.
The cheapest auto insurance company in Athens is Auto-Owners with an average monthly rate of $51, according to our research.
Yes. Drivers in Athens pay $168 per month, while the national average rate is $150 per month, according to our data. That said, your exact car insurance rates will depend on your age, ZIP code, driving record, coverage level, and other factors.
Mile Auto offers the lowest average rates, at $211 per month, according to Compare.com data. Keep in mind that personal rates vary by city and driver profile.
Georgia’s high insurance rates could be due to factors such as high accident rates, dense urban traffic, expensive repair costs, and a rising number of uninsured drivers.[7]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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