Athens, TX Car Insurance

The average monthly cost for car insurance in Athens is about $56. To find out more check out our guide below.
Are rates in Athens higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates can residents of Athens expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Athens?

Area Average Monthly Car Insurance Premium
Athens$56
TX$64
United States$80

Auto insurance coverage in Athens is about $8 cheaper than it is in the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Athens is rather affordable. It's around $24 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Keep in mind that while these are the average car insurance rates for Athens, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But don't worry, we've broken down the average rate for Athens residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$89
25-34$51
35-44$53
45-54$44
55-64$45
65+$42

Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $47 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up a bit in Athens.

Average Car Insurance Rates by Gender

Gender Average
Male$56
Female$55

In general, women pay slightly less for car insurance than men. In Athens, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$64
1 Ticket$57
Multiple Tickets$55

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Athens with a single accident on their record is about $61 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $57 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$58
4-5 Years$53
6-7 Years$82
8-10 Years$61
11-14 Years$59
15 Years or Older$45

The cheapest vehicles to insure in Athens are by and large trucks and vans, with each type typically costing about $50 per month.

SUV drivers will see rates of about $55, while the rates for car owners average out to about $60 a month.

Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Athens are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$48
Divorced$47
Widowed$45

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

In Athens, the difference in rates based on relationship status can be as much as $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$55
Live with parents$103

Another factor taken into consideration is your living accommodations. In Athens, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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, TX

Recent trends in car insurance for Athens drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The cost of auto insurance coverage in Athens increased from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $63 per 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. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Amount of off-street parking
  • General road safety (how many accidents each locality has)
  • Amount of drivers in the area
  • Crime levels
  • Laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 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.

Luckily, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Athens.

Compare the cheapest quotes from dozens of insurance companies

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?

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?

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?

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