Cheapest Car Insurance Quotes in Athens

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406,175 Policies Sold

Athens Car Insurance

^$ 32

/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 $1403 for a six-month policy, which is $287 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, 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

$1403

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Athens

1st place: Louisiana Farm Bureau

At $404 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $917 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1218 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, LA is Louisiana Farm Bureau, offering policies at just $404 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $917.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1967 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, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$404	$69
Southern Farm Bureau	$917	$153
USAA	$1218	$205
Progressive	$1370	$231
Farm Bureau	$1430	$241
State Farm	$1509	$254
Safeway	$1543	$260
SafeAuto	$1568	$261
Encompass	$1603	$272
Allstate	$1908	$321
AAA	$1967	$334

Key Takeaways

Way's key takeaways about car insurance in Athens

The auto insurance costs in Athens fall around $404 for six months.
The cheapest auto insurance company in Athens is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Athens at $994 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.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Athens. Their Average 6 Month Premium is $193. Safeway is the most expensive at $602 for the same period.

Cheapest Liability Coverage in Athens, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$193	$32
Southern Farm Bureau	$320	$55
USAA	$404	$68
Progressive	$414	$70
State Farm	$434	$73
Farm Bureau	$498	$84
AAA	$513	$85
Allstate	$518	$87
SafeAuto	$562	$94
Safeway	$602	$101

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 Louisiana Farm Bureau at $69 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Athens, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$404	$69
Southern Farm Bureau	$917	$153
USAA	$1218	$205
Progressive	$1370	$231
Farm Bureau	$1430	$241
State Farm	$1509	$254
Safeway	$1543	$260
SafeAuto	$1568	$261
Encompass	$1603	$272
Allstate	$1908	$321
AAA	$1967	$334

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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, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Athens, Louisiana, may be increasing due to several external factors. Louisiana 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$828
30s	USAA	$672
40s	USAA	$619
50s	USAA	$592
60s	USAA	$632
70s	USAA	$647

Cheapest Car Insurance Rates for Teen Drivers in Athens,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Athens at $52 per month. At $5842 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$315	$52
State Farm	$2401	$404
USAA	$2564	$427
Safeway	$3919	$666
Allstate	$4358	$726
Progressive	$4526	$762
Farm Bureau	$5128	$855
AAA	$5842	$994

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Athens.

As young drivers face the highest rates in Athens, USAA offers the cheapest auto insurance rates at $828 for six months.

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, Louisiana Farm Bureau is the cheapest car insurance provider. At $345 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 State Farm, offering rates of around $7682 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$345	$59
Allstate	$1469	$245
Progressive	$1647	$277
USAA	$1672	$279
Safeway	$1677	$285
Farm Bureau	$3180	$530
AAA	$5581	$949
State Farm	$7682	$1280

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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, LA, 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 Louisiana Farm Bureau and State Farm, offering $251 and $986, respectively. AAA is an expensive provider with an average six-month premium of $3151.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$251	$42
State Farm	$986	$166
USAA	$1110	$187
Progressive	$1218	$205
Safeway	$1420	$239
Farm Bureau	$1538	$261
Allstate	$1563	$263
AAA	$3151	$535

Athens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Athens LA. For example, the car insurance in Athens after a DUI increases to $1174 for a six month policy. While the rate increases by $341 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	$1360	$227
One Med/PIP claim	$1360	$232
Two Med/PIP claims	$1375	$229
Not-at-fault accident	$1380	$235
One comp claim	$1385	$231
Two comp claims	$1435	$244
Failure to wear a seat belt	$1603	$267
Failure to show documents	$1622	$276
Child safety restraint	$1647	$275
Driving without lights	$1647	$280
Driving with expired registration	$1677	$280
Driving too slowly	$1701	$289
Speeding 11 - 15 MPH over limit	$1701	$284
Speeding 16 - 20 MPH over limit	$1701	$289
Speeding 6 - 10 MPH over limit	$1701	$284
Speeding in school zone	$1701	$289
In 65 MPH zone	$1706	$285
Cell phone violation	$1721	$292
Texting while driving	$1721	$287
Wrong way/wrong lane	$1721	$292
At-fault accident - less than $1000	$1731	$288
Failure to stop at a red light	$1731	$295
Failure to yield	$1731	$288
Following too closely	$1731	$295
Illegal turn	$1731	$288
Improper passing	$1731	$295
Passing school bus	$1745	$291
Speeding 21 - 25 MPH over limit	$1745	$297
Open container	$1794	$299
Operating a vehicle without permission	$1918	$326
At-fault accident - $1000-$2000	$1967	$328
At-fault accident - greater than $2000	$1967	$334
Reckless driving	$2376	$396
Refusal to submit to a chemical test	$2416	$411
DUI	$2534	$422
Racing	$2554	$434
Leaving scene of an accident/hit and run	$2574	$429
Driving with a suspended license	$2584	$439

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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 Louisiana Farm Bureau at $276 for a six-month policy. However, it can be as expensive as $2914 with companies like AAA.

Athens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$276	$46
Southern Farm Bureau	$1139	$193
Progressive	$1390	$234
Farm Bureau	$1538	$261
USAA	$1878	$316
Safeway	$1942	$327
State Farm	$2165	$364
Allstate	$2376	$400
AAA	$2914	$486

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 Louisiana Farm Bureau at $227. However, it can be as expensive as $2737 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Athens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$227	$38
State Farm	$1016	$171
Progressive	$1228	$207
USAA	$1331	$227
Farm Bureau	$1538	$256
Safeway	$1711	$291
Allstate	$1913	$319
AAA	$2737	$466

Car Insurance Price Trends in Athens, Louisiana

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 rose by $309 in January compared to $252 of December. In other words, there has been an increase by $57 when you compare January and December.

The average cost of liability insurance in the Athens rose to $74 in January, compared to $71 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Athens?

The car insurance in Athens is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Athens?

The cheapest car insurance in Athens is $69 per month for full coverage.

How much is car insurance in Athens for teenagers?

Car insurance for teenagers costs $315 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 $1690 for a six-month policy. It will cost around $236 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.

What is the best car insurance in Athens, LA?

The best car insurance company in Athens LA is Louisiana Farm Bureau, offering $404 for a six-month policy.