Athens, TX Car Insurance

Drivers in Athens pay, on average, $56 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How do rates in Athens measure up compared to neighboring areas, including Texas as a whole? What should residents of Athens expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Athens?

Area Average Monthly Car Insurance Premium
Athens$56
TX$65
United States$81

Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Athens than it is in the rest of Texas.

If you're thinking of moving to Athens from out of state, you may still be in luck. You can expect to pay about $25 below the national average for auto insurance in Athens.

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 a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down the average rates for Athens to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$95
25-34$51
35-44$53
45-54Not Enough Data
55-64$43
65+$41

It makes sense that the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $54 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement age in Athens.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$53

In general, women pay slightly less for car insurance than men. In Athens, the difference comes out to about $6 per month. As illustrated in the table above, female drivers in the area pay about $53 on average, while male drivers pay around $59 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$64
1 Ticket$68
Multiple Tickets$54

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Athens with a single accident on their record will usually see rates around $61 a month. In addition, drivers with a single ticket on their record can expect to pay around $68 a month on average.

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.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$61
4-5 Years$53
6-7 Years$82
8-10 Years$59
11-14 Years$57
15 Years or Older$50

The cheapest vehicles to insure in Athens are by and large SUVs, trucks, and vans, with each type typically costing about $53 per month.

The premium for car owners, on the other hand, is closer to $60 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. 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)$62
Married$48
Divorced$47
Widowed$42

Generally, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

In Athens, the difference in rates based on relationship status can be as much as $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$57
Live with parents$100

Another factor taken into consideration is your housing status. If you rent your home or apartment in Athens, expect to pay around $8 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall 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 declined from 2017-2018, but started to rise in 2021. This pattern has continued and car insurance rates reached a high of $72 per month in 2022.

How does Athens compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Access to off-street parking
  • General road safety (how many accidents each locality has)
  • Regional regulations
  • Crime levels
  • Total amount of drivers in the community

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Athens in no time.

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Athens Insurance FAQs

What factors affect car insurance quotes in Athens?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

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, local laws, and crime rates 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?

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 time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?

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