Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Athens for teen drivers is USAA
  • The cheapest car insurance company in Athens after a DUI is USAA
  • The annual number of car thefts in Athens is 28.

Average car insurance rates in Athens, Alabama are $294 a month. But with a little research you can get a great deal from the top car insurance companies in Athens, AL. Before you buy Athens, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Athens car insurance rates with Hoover car insurance rates, Auburn car insurance rates, or Decatur car insurance rates to make sure you’re getting the best Athens, AL car insurance quotes available.

Need affordable Athens, AL car insurance? Enter your ZIP code to compare Athens car insurance quotes from multiple car insurance companies near you.

Athens, AL Minimum Car Insurance Coverage

Athens, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Athens, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Athens, AL Car Insurance Rates by Coverage Level

Some Athens drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Athens, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Athens, Alabama

Insurance Company Low Medium High
Allstate $3,047 $3,162 $3,295
Farmers $3,703 $3,873 $4,197
GEICO $2,419 $2,624 $2,868
Liberty Mutual $5,010 $5,228 $5,521
Nationwide $2,626 $2,617 $2,677
Progressive $3,774 $4,216 $4,732
State Farm $4,230 $4,480 $4,746
Travelers $3,144 $3,395 $3,447
USAA $1,959 $2,019 $2,110

Athens, AL Car Insurance Rates by Age, Gender, and Marital Status

Athens, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Athens, AL car insurance, get quotes from multiple car insurance companies in the Athens area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Athens, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,910 $1,820 $1,735 $1,768 $6,659 $7,161 $2,126 $2,167
Farmers $2,230 $2,211 $1,992 $2,118 $8,712 $8,959 $2,538 $2,635
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $3,026 $3,266 $2,478 $2,771 $11,290 $12,551 $3,219 $3,424
Nationwide $1,720 $1,740 $1,570 $1,622 $4,565 $5,863 $1,910 $2,131
Progressive $2,295 $2,144 $1,884 $2,019 $9,497 $10,577 $2,676 $2,830
State Farm $2,714 $2,714 $2,468 $2,468 $8,397 $10,500 $3,071 $3,548
Travelers $1,336 $1,355 $1,263 $1,258 $7,267 $11,455 $1,266 $1,430
USAA $1,261 $1,276 $1,176 $1,146 $3,782 $4,188 $1,641 $1,765

Athens, AL Car Insurance Rates for Teens

How much is Athens, Alabama car insurance for teens? Compare rates from top Athens car insurance companies below to help find the cheapest teen car insurance in Athens, AL.

Annual Car Insurance Rates for Teen Drivers in Athens, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,659 $7,161
Farmers $8,712 $8,959
GEICO $4,963 $4,863
Liberty Mutual $11,290 $12,551
Nationwide $4,565 $5,863
Progressive $9,497 $10,577
State Farm $8,397 $10,500
Travelers $7,267 $11,455
USAA $3,782 $4,188

Athens, AL Car Insurance Rates for Seniors

Before seniors buy Athens, Alabama car insurance, they should make sure to shop around. Some Athens, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Athens, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,768
Farmers $1,992 $2,118
GEICO $1,810 $1,872
Liberty Mutual $2,478 $2,771
Nationwide $1,570 $1,622
Progressive $1,884 $2,019
State Farm $2,468 $2,468
Travelers $1,263 $1,258
USAA $1,176 $1,146

Athens, AL Car Insurance Rates by Credit History

How does your credit history affect Athens, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Athens, Alabama

Insurance Company Poor Fair Good
Allstate $3,914 $3,076 $2,515
Farmers $4,397 $3,788 $3,589
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,514 $4,621 $3,625
Nationwide $3,185 $2,486 $2,250
Progressive $4,778 $4,106 $3,837
State Farm $7,273 $3,681 $2,501
Travelers $3,627 $3,149 $3,210
USAA $2,728 $1,775 $1,585

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Athens, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Athens, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Athens.

Annual Athens, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,175 $3,761 $3,043
Farmers $3,298 $4,274 $4,169 $3,956
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $4,117 $5,744 $5,603 $5,550
Nationwide $2,313 $2,313 $3,356 $2,579
Progressive $3,822 $4,817 $4,128 $4,194
State Farm $4,036 $5,034 $4,435 $4,435
Travelers $2,773 $2,908 $4,262 $3,372
USAA $1,561 $1,962 $2,906 $1,688

Athens, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Athens, AL car insurance rates. Compare rates below to see which Athens car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Athens, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,761
Farmers $4,169
GEICO $3,548
Liberty Mutual $5,603
Nationwide $3,356
Progressive $4,128
State Farm $4,435
Travelers $4,262
USAA $2,906

Athens, AL Car Insurance Rates by ZIP Code

Just like Athens car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Athens, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Athens, Alabama

ZIP Code Average Annual Rates
35611 $3,618
35613 $3,652
35614 $3,656

Athens, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Athens, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Athens companies based on commute time.

Annual Car Insurance Rates by Commute Length in Athens, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,168 $3,168
Farmers $3,924 $3,924
GEICO $2,591 $2,683
Liberty Mutual $5,253 $5,253
Nationwide $2,640 $2,640
Progressive $4,240 $4,240
State Farm $4,376 $4,594
Travelers $3,329 $3,329
USAA $1,937 $2,122

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Athens, AL Cheapest Car Insurance Rates

How do the top Athens, Alabama car insurance companies’ average rates stack up against the Athens average monthly car insurance rates of $294? Take a look and see.

Best Annual Car Insurance Rates by Company in Athens, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Athens, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Athens, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Athens, Alabama

Insurance Company Average Annual Rates
Allstate $3,168
Farmers $3,924
GEICO $2,637
Liberty Mutual $5,253
Nationwide $2,640
Progressive $4,240
State Farm $4,485
Travelers $3,329
USAA $2,029

Other Factors Affecting Athens, AL Car Insurance Rates

Before you buy Athens, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Athens, AL Car Theft Rates

The car theft rate in Athens, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Athens, Alabama is 28 stolen cars.

Athens, AL Commute Time

How does your Athens, AL commute time compare with the average driver? In Athens, the average commute is 22.6 minutes.

Athens, AL Traffic

Spending time in Athens traffic can lead to higher car insurance rates. According to INRIX data, Athens, AL ranks as the 35th-most congested with traffic in the world.

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Athens, AL Car Insurance Quotes

Compare Athens, AL car insurance quotes from multiple companies by entering your ZIP code now.