Cheapest Car Insurance Quotes in Athens

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Athens Car Insurance

^$ 39

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Athens

The car insurance rate in Athens is $1106 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $393, making it a popular choice for budget-conscious drivers. Rates in Athens can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Athens

$1106

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Athens

1st place: Country Financial

At $393 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $518 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $761 for six months, making it the third cheapest auto insurance company in Athens.

Athens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Athens, GA is Country Financial, offering policies at just $393 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $518.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1778 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Athens drivers find the best deals.

Cheap Car Insurance Companies in Athens, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$393	$65
Auto-Owners Insurance Co	$518	$88
Georgia Farm Bureau	$761	$127
Farm Bureau	$836	$142
Auto-Owners	$1173	$197
USAA	$1173	$197
Progressive	$1210	$204
Mercury	$1398	$237
Allstate	$1428	$240
Esurance P&C Ins Co	$1504	$255
State Farm	$1778	$299

Key Takeaways

Way's key takeaways about car insurance in Athens

The auto insurance costs in Athens fall around $393 for six months.
The cheapest auto insurance company in Athens is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Athens at $1066 per month.

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Cheapest Minimum Liability Car Insurance in Athens

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Athens are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Athens. Their Average 6 Month Premium is $231. State Farm is the most expensive at $817 for the same period.

Cheapest Liability Coverage in Athens, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$231	$39
Georgia Farm Bureau	$312	$53
Farm Bureau	$343	$59
Mercury	$374	$63
Auto-Owners	$386	$65
Country Financial	$399	$67
USAA	$431	$72
Progressive	$437	$74
Central Insurance	$486	$83
Allstate	$705	$118
State Farm	$817	$138

Cheapest Full Coverage Car Insurance in Athens

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Athens is Country Financial at $65 per month and $393 for six months.

Cheapest Full Coverage Car Insurance Quotes in Athens, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$393	$65
Auto-Owners Insurance Co	$518	$88
Georgia Farm Bureau	$761	$127
Farm Bureau	$836	$142
Auto-Owners	$1173	$197
USAA	$1173	$197
Progressive	$1210	$204
Mercury	$1398	$237
Allstate	$1428	$240
Esurance P&C Ins Co	$1504	$255
State Farm	$1778	$299

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Average Car Insurance in Athens by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Athens, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Athens, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Athens's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Athens

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Athens,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Athens at $55 per month. At $6330 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$331	$55
Mercury	$393	$67
Country Financial	$468	$79
Central Insurance	$486	$83
USAA	$1939	$327
Georgia Farm Bureau	$2115	$359
Auto-Owners	$2245	$378
Farm Bureau	$2688	$457
Allstate	$4964	$827
Progressive	$6330	$1066
State Farm	$6330	$1066

Teen Car Insurance Rates in GA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Athens, Country Financial is the cheapest car insurance provider. At $324 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Athens is Allstate, offering rates of around $2657 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$324	$54
Mercury	$380	$65
Farm Bureau	$836	$140
Progressive	$1584	$270
USAA	$1691	$281
Auto-Owners	$3081	$524
State Farm	$6799	$1133
Allstate	$2657	$443

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Car Insurance Rates with An Accident in Athens

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Athens, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Athens

The cheapest car insurance companies after an at-fault accident in Athens include AutoOwners Insurance Co and Country Financial, offering $343 and $530, respectively. State Farm is an expensive provider with an average six-month premium of $2177.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$57
Country Financial	$530	$89
Encompass	$586	$98
Central Insurance	$643	$109
Farm Bureau	$917	$153
Georgia Farm Bureau	$936	$160
Auto-Owners	$1035	$174
USAA	$1054	$177
Progressive	$1504	$253
Allstate	$1990	$338
State Farm	$2177	$366

Athens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Athens GA. For example, the car insurance in Athens after a DUI increases to $1135 for a six month policy. While the rate increases by $356 for a six-month policy in the case of a speeding ticket.

Athens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1335	$223
One Med/PIP claim	$1335	$227
One comp claim	$1341	$224
Two Med/PIP claims	$1341	$228
Not-at-fault accident	$1347	$225
Two comp claims	$1366	$232
Driving without lights	$1610	$268
Failure to wear a seat belt	$1610	$274
Child safety restraint	$1628	$271
Failure to show documents	$1628	$277
Cell phone violation	$1665	$277
Texting while driving	$1665	$284
Driving too slowly	$1691	$281
Speeding 6 - 10 MPH over limit	$1691	$288
Speeding in school zone	$1691	$281
Speeding 11 - 15 MPH over limit	$1697	$289
Driving with expired registration	$1703	$284
Failure to yield	$1703	$290
Following too closely	$1703	$284
Illegal turn	$1703	$290
Failure to stop at a red light	$1709	$285
Improper passing	$1709	$291
Speeding 16 - 20 MPH over limit	$1709	$285
Wrong way/wrong lane	$1709	$291
Speeding 21 - 25 MPH over limit	$1727	$288
Passing school bus	$1759	$299
In 65 MPH zone	$1765	$294
Open container	$1790	$305
At-fault accident - less than $1000	$1797	$299
Operating a vehicle without permission	$1821	$310
At-fault accident - $1000-$2000	$1958	$327
At-fault accident - greater than $2000	$1971	$335
Refusal to submit to a chemical test	$2308	$384
Reckless driving	$2376	$404
Racing	$2433	$405
Driving with a suspended license	$2439	$415
DUI	$2470	$412
Leaving scene of an accident/hit and run	$2533	$431

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Athens after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Athens.

The cheapest car insurance premiums in Athens are offered by Mercury at $399 for a six-month policy. However, it can be as expensive as $2021 with companies like State Farm.

Athens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$399	$68
Auto-Owners Insurance Co	$518	$86
Country Financial	$562	$95
Esurance P&C Ins Co	$774	$129
Allstate	$1273	$216
Auto-Owners	$1391	$234
Georgia Farm Bureau	$1504	$255
Progressive	$1509	$254
USAA	$1534	$258
Farm Bureau	$1628	$271
State Farm	$2021	$340

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Athens are offered by AutoOwners Insurance Co at $268. However, it can be as expensive as $1797 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Athens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$268	$45
Country Financial	$293	$49
Mercury	$418	$69
Farm Bureau	$917	$155
USAA	$1154	$192
Auto-Owners	$1185	$202
Progressive	$1247	$208
State Farm	$1909	$324
Allstate	$1797	$299

Car Insurance Price Trends in Athens, Georgia

Car insurance rates in Athens have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Athens dipped by $225 in January compared to $236 of December. In other words, there has been an decrease by $11 when you compare January and December.

The average cost of liability insurance in the Athens dipped to $75 in January, compared to $76 in December. This represents an decrease of $1 when comparing January and December.

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Average Car Insurance Cost in Athens by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Athens. At $1194 for a six-month policy, insuring your car at 30607 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
30607	$1194	$200
30609	$1116	$187
30606	$1492	$250
30605	$1459	$245
30602	$1127	$189
30601	$1315	$221

Frequently Asked Questions

How much is car insurance in Athens?

The car insurance in Athens is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Athens?

The cheapest car insurance in Athens is $65 per month for full coverage.

How much is car insurance in Athens for teenagers?

Car insurance for teenagers costs $331 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Athens?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $186 per month to insure your car in Athens.

Is car insurance expensive in Athens?

Car insurance can be expensive in Athens if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Athens can be affordable.

Cheapest Car Insurance Quotes in Athens

Why you can trust Way?

How Much Is Car Insurance in Athens

Avg. Car Insurance in Athens

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Athens

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Athens Car Insurance Rates by Company

Cheap Car Insurance Companies in Athens, GA

Way's key takeaways about car insurance in Athens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Athens

Cheapest Liability Coverage in Athens, GA

Cheapest Full Coverage Car Insurance in Athens

Cheapest Full Coverage Car Insurance Quotes in Athens, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Athens by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Athens, GA increasing?

Car Insurance Premiums by Age in Athens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Athens,GA

If you are in your twenties N/A is the best choice for car insurance in Athens.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Athens

Cheapest Car Insurance Companies after an At-Fault Accident in Athens

Athens Car Insurance Rates by Violation

Athens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Athens after a DUI

Athens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Athens after Speeding ticket

Car Insurance Price Trends in Athens, Georgia

Average Car Insurance Cost in Athens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Athens, GA

Car Insurance Rates by State in the USA (2025 Update)

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