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How much is car insurance in Athens?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Athens are about $11 a month cheaper than in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Athens has lower rates. It's about $26 cheaper to insure your vehicle in Athens compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage 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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've done the heavy lifting for you and broken down the average rate for Athens so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Athens Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may climb back up in Athens.
Athens Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Athens totals about $7 per month. As you can see in the chart above, car insurance for women in the area typically costs around $51 each month, while men pay $58 on average.
Athens Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Athens, drivers with one accident on their record will experience rates around $61 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $69.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Athens Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$48|
The cheapest vehicles to insure in Athens are usually SUVs, with each type typically costing about $51 per month.
Car owners, on the other hand, by and large pay around $58 a month, while truck and van drivers can expect to pay about $52 per month for car insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. 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 around 5 years old. In Athens, the most expensive vehicles to insure are vehicles six-to-seven years old.
Athens Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Athens follows that pattern, with the difference totaling to around $14 a month.
Athens Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
One other element taken into consideration is your housing status. Drivers who own property in Athens can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Athens, TX
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.
In Athens, the rates for car insurance decreased from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $48 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 figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Availability of off-street parking
- Community regulations
- Road Safety (total number of local car accidents)
- Total number of drivers in the community
- Local crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Athens.
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Athens Auto 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 like your gender and age, but also factors like your driving record, credit score, address and 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?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Athens or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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