Athens, GA Car Insurance

Residents of Athens pay, on average, about $83 per month for car insurance. We cover plan rates, policies and more in our guide below.
How does Athens compare to the surrounding area and the rest of Georgia? What rates can residents of Athens expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Athens?

Area Average Monthly Car Insurance Premium
Athens$83
GA$106
United States$81

Based on the above chart, auto insurance policies in Athens are about $23 a month cheaper than in the rest of Georgia.

On the other hand, drivers in Athens may pay higher rates than the rest of the country. It's about $2 more expensive for coverage in Athens than the average rates for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Athens, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Athens residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$119
25-34$78
35-44$72
45-54$64
55-64$61
65+$67

It makes sense that older drivers would have more experience behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $52 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. Drivers in Athens may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$80

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Athens, male drivers pay about $6 more a month. Based on the chart above, you can see that male drivers pay $86 on average, while female drivers typically pay $80 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$110
Multiple Accidents$147
1 Ticket$96
Multiple Tickets$112

Depending on your driving record, your rates can vary quite a lot. 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.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$79
2-3 Years$78
4-5 Years$105
6-7 Years$92
8-10 Years$84
11-14 Years$80
15 Years or Older$80

If you look at the first table above, the cheapest vehicles to insure in Athens are typically SUVs, at $77 per month.

Car owners, on the other hand, usually pay around $86 per month, while truck and van drivers can expect to pay about $79 a month for car insurance coverage.

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 close to 5 years old, however, you may see your bill start to shrink a bit. 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)$88
Married$66
Divorced$63
Widowed$71

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

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Athens, with married couples paying about $22 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$78
Rent$84
Live with parents$115

Another factor that comes into play is your housing situation. Renters can expect to pay around $6 a month more than those who own their own home 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 before shopping for coverage.

Auto insurance rates in Athens rose from 2017-2018, before leveling out in 2019. Car insurance rates began increasing again in 2020, and finished down in 2022, at $68 per month

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 a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • General road safety (how many accidents each locality has)
  • Regional crime rates
  • Amount of drivers in the area
  • Off-street parking accessibility
  • Area regulations

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. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Athens?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for 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 on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Athens.

Compare the cheapest quotes from dozens of insurance companies

Athens Insurance FAQs

What factors affect car insurance quotes in Athens?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Athens or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes